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Absolutely. The Fair Credit Reporting Act (FCRA) gives you the legal right to dispute any inaccurate, incomplete, or unverifiable information on your credit report. Credit bureaus are required by law to investigate disputes within 30 days. CreditForge helps you exercise these rights effectively by identifying errors and generating proper dispute documentation.

No legitimate credit repair company can guarantee specific outcomes — the Credit Repair Organizations Act (CROA) prohibits this. What we can guarantee is that our AI will perform a thorough analysis, find every disputable item, and generate the strongest possible dispute arguments. Our 73% dispute success rate speaks for itself, but individual results depend on the specific errors found on your report.

Most clients see their first results within 30–60 days after the initial dispute letters are sent. The complete process typically takes 3–6 months, depending on the number of errors and how bureaus respond. We continue fighting for you through multiple rounds until every disputable item has been addressed.

Traditional credit repair companies use copy-paste template letters that bureaus can easily dismiss. CreditForge uses AI to generate completely unique dispute letters with specific legal arguments tailored to each error on your report. Our system also performs Metro 2 compliance checks and cross-bureau analysis that most competitors simply don't offer.

Yes. There are no long-term contracts or cancellation fees. You can cancel your subscription at any time through your dashboard. We also honor the 3-day cooling-off period required by CROA — if you change your mind within 3 days of signing up, you'll receive a full refund with no questions asked.

We recommend providing reports from all three bureaus (Equifax, Experian, and TransUnion) for the most thorough analysis. Our cross-bureau comparison often reveals inconsistencies that serve as strong grounds for disputes. However, you can start with just one report and add others later.

Absolutely — and it's your legal right under FCRA §611 to dispute any inaccurate information yourself at no cost. Many people successfully dispute items on their own. CreditForge adds value by using AI to identify errors you might miss (like Metro 2 compliance violations), generating unique legal arguments instead of generic templates, and managing the entire multi-round dispute process so you don't have to track deadlines, responses, and follow-ups yourself.

Two key differences: (1) AI generates unique letters tailored to each specific error on your report, while traditional companies use copy-paste templates that bureaus can easily dismiss. (2) Transparent pricing — you see exactly what you pay and what each plan includes. There are no hidden setup fees, no opaque processes, and you can see every dispute letter we send on your behalf. Most traditional credit repair companies won't show you the letters they're sending.

Our 90-Day Satisfaction Guarantee means if you're not happy with our service for any reason within the first 90 days, you can cancel for a full refund. No questions asked. We also honor the 3-day cooling-off period required by CROA. We're confident in our AI-powered approach, but we understand it's important to try risk-free.