FREQUENTLY ASKED QUESTIONS

How does the process work?

Step 1: Sign Up – Choose your course or coaching plan.

Step 2: Assess Your Credit – We help you understand your credit report and score.

Step 3: We Help Create Your Plan – Personalized roadmap to repair and rebuild.

Step 4: Implement & Monitor – Take action, dispute errors, and track progress.

Step 5: Learn to Maintain Healthy Credit Habits For Life.

How long does credit repair take?

Most people begin to see changes in 30 to 90 days, depending on the complexity of their credit profile. The timeline varies based on the number of negative items, payment history, and how quickly new positive credit is built.

Will paying off all my debt instantly fix my credit score?
Not instantly. Paying off debt lowers utilization, which helps, but credit scores also consider history, payment consistency, and account mix. Repair is both paying down balances and strategically building positive credit.

Is Credit Reset Academy legitimate?

Yes. We operate with full transparency and comply with all credit repair regulations.

Can you remove negative items from my credit report?

We help you dispute inaccurate or unverifiable items according to federal law.

Can old negative items be removed from my credit report?
Yes, inaccurate or unverifiable items can be disputed and removed. Accurate items usually fall off after 7 years, though certain bankruptcies can remain for up to 10.

What’s the difference between credit repair and credit building?
Credit repair is about removing inaccurate or harmful items from your report. Credit building focuses on adding positive accounts, such as secured credit cards or installment loans, to strengthen your profile over time.

Do I need a perfect credit score to join?

No. Our programs are designed for all credit situations.

Is my information safe?

Absolutely. We follow strict privacy and security standards.