Everything you wanted to know about Credit Restore, FCRA disputes, pricing, and the platform. Search the page (Cmd/Ctrl + F) to jump to a specific question.
Credit Restore is an education-first consumer credit-rights platform. We provide AI-assisted FCRA-cited dispute letters, 30-day deadline tracking, and a knowledge base with 100+ articles across 8 languages. We are not a credit-repair company — we do not act on your behalf and you stay in control of every dispute.
No. Traditional credit-repair companies operate under the Credit Repair Organizations Act (CROA), which regulates anyone who promises to remove items from a credit report for a fee. Credit Restore is an education and self-serve toolkit — we never promise removal, never act on a consumer's behalf, and never sign anything for you. The consumer remains in control of every dispute.
Lexington Law is a CROA-regulated credit-repair company that charges $25-$130/month and acts on consumers' behalf. Credit Restore is education-first, costs $0 (free) to $19/month (Pro), is available in 8 languages, and the consumer retains direct control of every dispute. See /compare/lexington-law-alternative for a side-by-side.
Free tier: credit-report upload, error detection, one dispute letter per month, full education library access. Pro tier: $19/month for unlimited dispute letters, 30-day FCRA deadline tracking, all 8 language interfaces, and priority email support. See /pricing for the full breakdown.
Eight languages: English, Spanish, French, Brazilian Portuguese, Italian, German, Simplified Chinese, and Korean. Both the product UI and the knowledge base are fully translated. Use the language switcher in the top navigation to change at any time.
No. Filing dispute letters does not affect your credit score. The §611 dispute process is a federal consumer right — bureaus and furnishers are not allowed to penalize you for using it. The only way to hurt your score is to take an action like opening many new credit accounts at once or missing payments — Credit Restore does neither for you.
FCRA §611 requires bureaus to investigate disputes within 30 days. Most disputes resolve within that window. A clean §611 dispute resolves about 65% of the time. A combined §611 + §623 + CFPB triple-pressure campaign on the same item resolves about 80% of the time within 60 days. Severely damaged credit profiles typically take 6-18 months to materially recover.
No, and you should be skeptical of anyone who does. Under the Credit Repair Organizations Act (15 U.S.C. §1679b(a)(3)), it is illegal to promise specific outcomes from credit-repair work. We provide the tools and education; the bureaus and furnishers determine the outcome based on the facts of each case.
Credit Restore is right for you if: you have at least one error or potentially-disputable item on your credit report, you can spend 1-2 hours per month on the dispute process, you want to keep the cost under $20/month, and you prefer to control the work yourself rather than outsource it. If you have a very complex case (active litigation, identity-theft fraud at scale), an FCRA attorney is a better fit.
From annualcreditreport.com — the only site authorized by federal law to provide your free credit reports from all three bureaus. As of the 2024 update, you can pull a fresh report from each bureau every week. Save the PDFs and upload them to Credit Restore for analysis.
The Fair Credit Reporting Act (15 U.S.C. §1681 et seq.) is the federal statute that governs how consumer credit information is collected, reported, used, and disputed. It is the legal foundation of every consumer credit right in the US.
A §609 letter invokes FCRA §609, which gives consumers the right to demand from the bureau a complete copy of their file and the source of every item in it. It is sometimes marketed as a 'magic eraser' — that is misleading. It is one tool among several and works best on old or poorly-documented accounts.
A §611 dispute is a formal request to a credit bureau to reinvestigate an item the consumer claims is inaccurate or incomplete. The bureau has 30 days to investigate and respond. If the bureau cannot verify the item, it must be removed.
A §623 dispute is sent directly to the furnisher (the creditor or collector reporting the item) rather than to the bureau. It invokes FCRA §623(a)(8) and is useful when bureau disputes return 'verified' but the underlying documentation is weak.
No. Disputing items that are accurate, current, and well-documented is a waste of effort and can trigger 'frivolous dispute' responses that hurt your case for the genuinely-disputable items. Focus on items with clear errors, old age, or weak documentation chains.
Send a §611 dispute letter to the bureau identifying the inquiry by date and creditor name and stating that you did not authorize it. If the inquiry was authorized but you regret it, you generally cannot remove it — soft inquiries fall off in two years and rarely affect scoring.
FCRA §605(a): late payments 7 years; charge-offs 7 years from original delinquency date; collections 7 years from original delinquency date; Chapter 7 bankruptcy 10 years; Chapter 13 bankruptcy 7 years; tax liens (now removed entirely from credit reports as of 2018); judgments (also removed as of 2017).
Sometimes. Under FICO 9, FICO 10, and VantageScore 4.0, paid collections are scored differently (or excluded). Under FICO 8 and earlier, paid and unpaid collections are scored similarly. The lender's specific scoring model matters.
Generally no, unless removal is part of the negotiation. Making any payment on a time-barred debt can restart the SOL clock in many states, exposing you to a lawsuit you would otherwise be immune to. Consult an FCRA attorney before paying anything on an old debt.
Pay-for-delete is a negotiated agreement: you pay an agreed amount on a collection or charge-off, the collector deletes the tradeline. It is not officially endorsed by the bureaus. It works in practice with smaller debt buyers; larger collectors typically refuse. See /blog/pay-for-delete-letter-template for the template.
A goodwill letter is a polite request to the original creditor asking them to remove a late payment as a courtesy. It is a relationship play, not a legal right, and has roughly a 25% success rate when written correctly on accounts with long clean history.
FCRA §605B requires bureaus to block fraudulent items within 4 business days of receiving a valid identity-theft report. The valid report is the FTC's IdentityTheft.gov report or a police report. Once blocked, the item must stay blocked unless the furnisher proves it was not fraud.
Yes, under FCRA §616 (willful violation, $100-$1,000 statutory damages) and §617 (negligent violation, actual damages plus attorney's fees). Most cases settle. The National Association of Consumer Advocates (NACA) maintains a directory of FCRA attorneys at consumeradvocates.org.
A CFPB complaint is a formal complaint filed with the Consumer Financial Protection Bureau against a financial company. The complaint goes directly to the company, which has 15 days to respond. Filed at consumerfinance.gov/complaint. Free to use, very effective.
Log in, go to Account Settings → Subscription, click 'Cancel'. The cancellation is effective at the end of the current billing cycle. No phone call required, no friction. You can also email support@restore.credit.
Yes. Within 30 days of any payment, you can request a full refund — no questions asked. After 30 days, refunds are evaluated case-by-case. See /refund-policy for the full policy.
The web app is fully mobile-responsive and works on any phone or tablet. Native iOS and Android apps are on the Q3 2026 roadmap (see /roadmap).
The free tier has no time limit — use it as long as you want. Upgrade to Pro any time when you need unlimited letters or deadline tracking. See /pricing.
No. Credit Restore does not sell consumer data, does not share credit reports with third parties, and follows SOC-2-style internal controls. Full policy at /privacy.
Account Settings → Privacy → Delete Account. The deletion removes all your data from our systems within 30 days. You can also email support@restore.credit to request manual deletion. See /data-deletion.
Yes. Account Settings → Privacy → Export Data. You will receive a JSON file with all your account data, dispute letters, and credit-report history within 24 hours.
Currently each account is a single user. A family-plan tier with multi-user support is on the Q4 2026 roadmap. In the meantime, couples typically use two separate accounts.
Use the 'Forgot password' link on the login page. We will email a reset link valid for 24 hours. If you no longer have access to the email account on file, contact support@restore.credit.
Credit Karma is a free credit-monitoring service supported by ads for credit products. Credit Restore is a paid (or free-tier-limited) toolkit for actively disputing errors and rebuilding credit. Different products for different needs. See /compare/credit-karma-vs-credit-restore.
No, currently only US credit reports (Equifax USA, Experian USA, TransUnion USA). The FCRA framework is US-specific. International expansion is on the long-term roadmap.
FCRA §605 sets the time limits on how long negative information can stay on a credit report (mostly 7 years) and lists categories of information that cannot be reported at all.
FCRA §611 is the dispute and reinvestigation section. It requires bureaus to investigate consumer disputes within 30 days and remove or correct items they cannot verify.
FCRA §623 imposes duties on furnishers (creditors and collectors). It is the section consumers invoke when bureau disputes fail and direct furnisher pressure becomes the next step.
FCRA §605B is the identity-theft block provision. Once a consumer files a valid identity-theft report, the bureaus must block fraudulent items within 4 business days.
No. Asserting your rights under the FCRA, FDCPA, and CROA is your federally-protected right as a consumer. Credit Restore provides the tools to exercise those rights — exactly as Congress intended when it wrote the statutes.
Yes — see /creators for the affiliate and creator program. Credit coaches, counselors, and educators can use the toolkit to support their clients while remaining fully CROA-compliant (since the consumer is the one acting).
Yes. Email support@restore.credit with verification (501(c)(3) determination letter for non-profits, DD-214 or VA card for veterans) and we will apply a 50% lifetime discount.
Not publicly. Affiliate/creator partners can request integration access by emailing api@restore.credit.
We do not currently offer a B2B/agency tier. Credit-repair companies should evaluate whether using a consumer-facing tool to deliver paid services creates CROA compliance risk on their side. Consult your compliance counsel.
Email support@restore.credit with the page URL, browser/OS, and a screenshot if possible. We log every bug report and respond within 1 business day.
Email roadmap@restore.credit. Every message is read; popular requests show up on /roadmap.
On servers hosted in the United States, encrypted with AES-256 at rest and TLS 1.3 in transit. We use Cloudflare for the application layer and a SOC-2-compliant database provider for storage.
Yes — affiliates ($X per paying signup), creators (revenue share), and content partners (co-marketing). See /creators for details.
See /press for the press kit, founder bios, and brand assets. For press inquiries, email press@restore.credit — response within 1 business day.
Tejune Kang (CEO) and Jeong Sun An (Head of Consumer Education). Bios at /press.