Credit bureaus are legally required under the Fair Credit Reporting Act (FCRA) to respond to disputes within 30–45 days. Some clients may start seeing results in the first month, while others may take 3–6 months depending on the number and complexity of negative items being challenged.

No legitimate credit repair company can guarantee a specific score increase. What we can guarantee is that we will challenge inaccurate, outdated, or unverifiable items on your behalf using proven methods. Many of our clients do see significant improvements, but results will vary depending on your credit profile.

Yes. Credit repair is legal under the Credit Repair Organizations Act (CROA) and the Fair Credit Reporting Act (FCRA). You have the right to dispute inaccurate information on your credit reports. Guardian Financial simply helps streamline and manage this process for you.

Yes, you can dispute errors directly with the credit bureaus for free. However, the process can be time-consuming and requires knowledge of consumer protection laws. Many people choose Guardian Financial for our experience, efficiency, and mentorship approach to ensure nothing is overlooked.