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Frequently Asked Questions

We know credit can be confusing, and we’re here to make it simple. Below are answers to the questions we hear most often from clients just like you. If you don’t see your question here, we’re only a message away.

How does credit repair work?

We review your credit reports, identify errors or outdated items, and dispute them with the credit bureaus on your behalf. We also guide you on strategies to improve and maintain a healthy credit score.

How long does it take to see results?

Every case is different, but many clients start seeing changes within 30–90 days. The timeline depends on the number of items to dispute and how quickly the bureaus respond.

Will credit repair work for me?

If your reports contain inaccurate, incomplete, or unverifiable information, credit repair can help. We also provide tips for building positive credit history over time.

Is credit repair legal?

Yes. The Fair Credit Reporting Act (FCRA) gives you the right to dispute any information you believe is inaccurate or incomplete. We simply handle the process for you.

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Will my information remain private?

Absolutely. Your privacy and security are a top priority, and all information you share with us is kept strictly confidential.

What happens during a free consultation?

We’ll discuss your current credit situation, review your goals, and outline a personalized plan for improvement — no pressure, no obligation.

Do I need to have all three credit reports?

Yes, because each bureau (Equifax, Experian, TransUnion) may have different information. We review all three to ensure nothing is missed.

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How much does credit repair cost?

Our pricing depends on the level of service you need. We offer transparent, no-surprise pricing discussed during your free consultation.

Lily's Learning Lounge

We are committed to helping you achieve financial success with expert guidance and tailored solutions. Let’s work together to build a secure and prosperous future. Contact us today to start your financial journey.

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