Everyone’s credit is different. Some accounts may be deleted with your first dispute letter. Some accounts can require three to four rounds of disputes over three to four months. Some accounts will comply with accuracy requirements and remain on your credit report until they fall off in seven years.

For those who have a good credit history, removing negative accounts is more likely to result in a better credit score. For those with little to no positive credit, deleting negative accounts may not immediately result in a better credit score. However, it can make it easier to build good credit much faster.

If you’ve already disputed an account online without success, disputing an account again with physical letters using CreditRehab Pro does not create any problems. When you switch to physical letters with CreditRehab Pro, be sure to not dispute your accounts online again.

Online disputes can be effective but have some drawbacks. There’s no paper trail if you need to escalate your dispute. Physical dispute letters are still the preferred method for sending the most effective disputes.

It’s possible to experience a drop in your credit score if an older account is deleted. Your credit history makes up 15% of your overall credit score and deleting an account that you’ve had for a long time, even if it’s negative, can result in lowering your average account age.

Your CreditRehab Pro account is free. When using CreditRehab Pro to create and send dispute letters, you only pay for your 3 bureau credit report & score subscription (if you choose to link your 3 bureau credit reports through one of our credit monitoring partners) and for stamps to mail your dispute letters.

No. Sending multiple disputes on an account at the same time can create confusion with the credit bureaus. It may result in the credit bureau labeling the disputes frivolous and refusing to review your account. Also, The Fair Credit Reporting Act permits the credit bureaus and the creditor to discard disputes from credit repair companies. They cannot discard dispute letters sent by you.

CreditRehab Pro requires a complete three bureau credit report so you can dispute accounts and track your results with all three credit bureaus all at once in one online account. Credit Karma and other free credit reports only offer one or two credit reports and don’t export their credit data in digital format to CreditRehab Pro.

You can cancel your credit monitoring membership online at anytime by logging into your credit monitoring account and choosing the option to cancel, which can be found in the account details section of your credit monitoring account.