Yes! The Fair Credit Reporting Act (FCRA) gives you the right to dispute any item on your credit report.

In short, we challenge the negative information affecting your credit by sending letters on your behalf to the bureaus. Simultaneously, we assist you with building credit to aid in increasing your credit score.

We can assist with bankruptcies, foreclosures, collections, charge-offs, repossessions, medical bills, credit card debt, inquiries, late payments, old addresses, judgments, tax liens and student loans.

Credit monitoring is crucial being that it allows us to effectively track your progress, updates, and provides access to scoring information from all 3 credit bureaus. Each bureau has the ability to report different information (For example; you may have a collection with Transunion but not Experian). Free monitoring, such as Credit Karma, does not offer this.

You can start to see results in as little as 30-45 days. While there is no exact timeframe we can provide by law on how long it will take to complete your profile, we recommend being enrolled in the program at least 6 months. Depending on your credit profile, it may take longer.

Monthly fees reimbursed if no results within 180 days.

Yes, you can. However, be prepared in knowing it takes a lot of time and effort to effectively complete the job; including studying credit law to educate yourself, contacting creditors, collection agencies, the 3 bureaus, verifying information, settlements etc… Many people choose to have a credit expert complete the work on their behalf as it is their profession- similar to having a mechanic perform your car’s repair.

There is a contract that entails our service agreement, however, you may cancel at anytime.

Yes, credit repair is legal under the Fair Credit Reporting Act (FCRA). The law gives consumers the right to dispute inaccurate, outdated, or unverifiable information on their reports. Aim Better Credit in Houston works within FCRA guidelines to help clients remove such errors and restore their credit health.

Items like late payments, charge-offs, collections, bankruptcies, and student loan errors may be removed if found inaccurate or unverifiable. Aim Better Credit in Houston carefully reviews reports and disputes these items, giving clients a chance to improve scores while ensuring their credit reflects only fair and accurate information.

Most clients start noticing results within 30 to 45 days, though timelines may vary depending on the complexity of issues. Aim Better Credit in Houston provides regular updates and personalized dispute strategies, ensuring clients understand their progress and can stay motivated throughout the credit restoration process.

Yes, you can repair your own credit by disputing inaccuracies directly with credit bureaus. However, the process can be time-consuming and complicated. Aim Better Credit in Houston offers expert support, saving clients time and ensuring disputes are handled correctly, often leading to faster and more effective results.

Credit monitoring tracks changes, alerts you to new inquiries, and protects against identity theft. During repair, it helps ensure disputes are effective and no new negative items appear. Aim Better Credit in Houston includes monitoring in its plans, providing clients with extra peace of mind and protection.

Many agencies, including Aim Better Credit, offer a money-back guarantee if no results are achieved within a set period, often 180 days. This policy ensures clients only pay for effective services and adds a layer of trust to the credit repair process in Houston.

You can dispute multiple items at once, though results depend on the credit bureaus’ review process. Aim Better Credit in Houston strategically manages disputes to maximize success, ensuring each negative item is addressed with detailed, customized letters that increase the chances of successful removals.

Many generic services use templates, which are less effective. Aim Better Credit in Houston creates customized dispute letters tailored to each client’s credit situation. This personalized approach improves success rates and ensures disputes are taken seriously by credit bureaus, leading to stronger credit outcomes.

Closing old accounts may actually harm your credit by reducing your history length and available credit. Aim Better Credit in Houston advises clients on the best strategies for score improvement, focusing on disputes, debt management, and long-term credit habits instead of unnecessary account closures.

No, accurate negative information cannot legally be removed before its expiration period. However, Aim Better Credit in Houston helps clients minimize the impact of such items by focusing on rebuilding positive credit, disputing errors, and offering strategies that improve scores over time.