Credit repair is the process of reviewing your credit reports and disputing inaccurate, outdated, or unverifiable information with the credit bureaus.

You begin with a credit review. We look for inaccurate, outdated, or unverifiable items, then guide you through the next steps with a clear plan. Simple. Structured. Focused on your progress.

Yes. If information on your credit report is inaccurate, outdated, or cannot be verified by the reporting creditor, it may be corrected or removed.

Accurate and verifiable negative information generally cannot be removed until it reaches the maximum reporting time allowed by law.

It depends on your credit profile and the items involved. Credit bureau investigations usually take about 30 to 45 days, but some cases take longer. The key is steady progress. We help you keep moving forward.

Start with a free credit analysis. We look at your credit profile, explain what we find, and show you the next best steps. From there, you get a personalized plan built around your goals. Simple. Clear. No pressure.

Timelines can vary based on your credit profile and the items being reviewed. Some updates may happen quickly, while others take longer because bureaus and creditors need time to respond. We focus on steady progress, not empty promises.

The three major credit bureaus are:

Experian

Equifax

TransUnion

Common factors include payment history, credit utilization, credit age, credit mix, and recent credit inquiries.

It can. When inaccurate negative items are corrected or removed, your score may improve. Results vary from person to person, though. The goal is to clean up your report and build a stronger credit foundation.

Consumers have the right to dispute credit report errors themselves, but some individuals choose professional guidance to help navigate the process.

Examples include incorrect balances, accounts that do not belong to you, duplicate accounts, and inaccurate late payment reporting.

It is recommended to review your credit reports regularly to monitor for errors or changes.

A credit score is a numerical representation of your creditworthiness based on the information in your credit report.

Key factors typically include payment history, credit utilization, credit history length, credit mix, and new credit inquiries.

Credit utilization is the percentage of available credit you are currently using.

Paying off collections may improve your financial profile, but the impact on credit scores varies.

A charge-off occurs when a creditor writes off a debt as unlikely to be collected, though the debt may still be owed.

Most negative items remain on credit reports for up to seven years, while bankruptcies may remain longer.

No. Checking your own credit is considered a soft inquiry and does not affect your credit score.

Positive habits include making payments on time, keeping credit balances low, and avoiding unnecessary credit inquiries.

A credit inquiry occurs when a lender reviews your credit report as part of a lending decision.

Soft inquiries do not affect your credit score, while hard inquiries may have a small temporary impact.

Many financial institutions and credit monitoring services allow consumers to track changes in their credit reports.

Yes. Fraudulent accounts caused by identity theft may appear on credit reports and require disputes.

Don’t ignore it. Review the item, gather any records that support your case, and dispute the issue with the credit bureau showing the error. If you want help, we can guide you through the process and help you focus on the right next step.

Yes. Your first credit analysis is free, so you can see where you stand before you move forward. It's a clear starting point with no pressure.

Yes. DNA Financial Advisors is a virtual credit repair agency, so you can work with us online from wherever you are. You get guidance, structure, and support without needing to visit an office.

If you qualify under the guarantee terms and the service doesn't deliver as promised within 90 days, you may be eligible for a refund. Review the agreement first so you know exactly what is covered. Clear terms. No guesswork.

Yes. If you need funding support, we can help you review your credit, strengthen your profile, and understand your next move before you apply. You don't have to figure it out alone.

Yes. That is a common goal for our clients. We help you clean up your credit profile, build better habits, and focus on the factors that can improve your chances of approval. Want to buy soon? Start early. That gives you more room to improve.

Yes. We can help both partners understand their credit profiles, set priorities, and build a plan that supports shared goals like buying a home or getting approved for a car.

Start with a free credit analysis. Then gather your credit reports, a valid ID, and any documents that show errors or unfamiliar accounts. That gives you a stronger starting point.

Have your recent credit reports, a valid ID, and any letters or statements related to disputed accounts ready if you have them. If you are not sure what to gather, we will walk you through it.

Start with a free credit review. We look over your current situation, identify what may be holding you back, and map out the next steps with you. Simple. Clear. No guesswork.