Everything You
Need to Know

Credit repair is the process of identifying and disputing inaccurate, outdated, or unverifiable information on your credit report. Under the FCRA, you have the legal right to dispute any item. ERC manages this entire process on your behalf — from identifying problem items to filing disputes and following up until resolutions are reached.

Most clients begin seeing results within 30–60 days of starting their program. On average, clients reach their primary goal within 3–6 months. Complex situations such as bankruptcy recovery may take longer. We'll give you a realistic timeline during your free chat.

Under the FCRA, any item that cannot be verified as 100% accurate must be removed — even if originally legitimate. Bureaus often fail to meet verification requirements within 30 days. We know exactly how to challenge items effectively with a very high dispute success rate.

Yes, absolutely. Credit repair is protected under federal law, specifically the FCRA and the Credit Repair Organizations Act (CROA). You have the legal right to dispute any information you believe is inaccurate. ERC operates in full compliance with all applicable laws.

No. All ERC plans are month-to-month. You can cancel at any time with no penalties or fees. We earn your continued business by delivering results — not by locking you into contracts.

Every ERC plan includes a free initial credit audit, dispute letters to all 3 bureaus, monthly progress updates, access to your client portal, and our education library. Higher-tier plans include unlimited disputes, coaching calls, tradeline strategy, CFPB complaint filing, and dedicated specialist support.

ERC backs our services with a 90-day satisfaction guarantee — if you're not happy, you can get your money back. Additionally, if we do not raise your credit score within six months, we give you the next three months of service for free.

During your free 30-minute consultation, an ERC specialist reviews your current credit report across all 3 bureaus, identifies every negative item and opportunity, and gives you a clear roadmap — with no obligation to enroll.

Every ERC client receives access to a personal client portal where you can track disputes, view deletions, and monitor your credit score in real time. You also receive monthly progress reports from your dedicated specialist.

Yes. ERC has an active partner network of mortgage professionals and loan officers. We coordinate directly with your lender to ensure your credit file meets their specific underwriting requirements before you re-apply.

Authorized user tradelines are accounts with positive payment history that you are added to as an authorized user. This can quickly boost your score. ERC partners with Capital Financial Solutions to provide access to quality tradelines.