Most negative items — such as late payments, collections, and charge-offs — remain on your credit report for seven years from the date of the initial delinquency. Bankruptcies may stay for up to ten years. However, inaccurate negative items can be disputed and potentially removed much sooner through the credit repair process.

The timeline varies depending on the number and complexity of items being disputed. On average, most clients begin seeing results within 30 to 90 days. Some cases may take longer if escalation or legal involvement is needed. We provide regular updates throughout the process so you always know where things stand.

A free credit assessment is an initial review of your credit reports to identify potential errors and areas for improvement. To request one, simply fill out our contact form or call our team. A credit consultant will review your situation, explain your options, and help you decide on the best path forward — all at no cost or obligation.

Yes, consumers have the right to dispute inaccurate information on their credit reports independently. However, the process can be time-consuming and complex — especially when dealing with multiple bureaus and legal nuances. Working with a professional credit repair team like Change Literacy saves you time, reduces errors, and significantly improves your chances of a successful outcome.