Question 1

What is credit dispute consulting?

Accepted Answer

Credit dispute consulting is a service where professionals help you identify and dispute inaccurate, incomplete, or unverifiable information on your credit reports. We use federal consumer protection laws, primarily the Fair Credit Reporting Act (FCRA), to advocate on your behalf and request that credit bureaus investigate and correct errors.

Question 2

How do I get started with Dispute2Go?

Accepted Answer

Getting started is easy! Simply schedule a free consultation through our website. During this no-obligation call, we'll review your credit situation, answer your questions, and explain how our services work. If you decide to proceed, we'll guide you through the enrollment process.

Question 3

What documents do I need to provide?

Accepted Answer

To begin the dispute process, you'll need to provide copies of your credit reports from all three major bureaus (Equifax, Experian, and TransUnion), a valid government-issued ID, and proof of address. We'll provide detailed instructions on how to obtain and submit these documents.

Question 4

How long does the credit dispute process take?

Accepted Answer

The timeline varies depending on the complexity of your case. Credit bureaus have 30-45 days to investigate each dispute. A typical case involves multiple rounds of disputes over 3-6 months. However, some clients see results within the first 45 days, while more complex cases may take longer.

Question 5

Can I do this myself without professional help?

Accepted Answer

Yes, you have the legal right to dispute credit report errors yourself. However, many consumers find the process time-consuming and confusing. Our expertise in federal consumer protection laws, dispute letter templates, and strategic approaches can make the process more efficient and effective.

Question 6

What types of items can you dispute?

Accepted Answer

We can help dispute various types of negative items including late payments, collections, charge-offs, bankruptcies, foreclosures, repossessions, judgments, and hard inquiries. We focus on items that are inaccurate, incomplete, outdated, or unverifiable under FCRA guidelines.

Question 7

What is Dispute Fox?

Accepted Answer

Dispute Fox is our advanced workflow tracking platform that powers our entire dispute process. It allows us to manage your case efficiently, track dispute progress in real-time, maintain documentation, and provide you with transparent updates through your client portal.

Question 8

How do I track my case progress?

Accepted Answer

Once enrolled, you'll receive access to your personal client portal powered by Dispute Fox. Here you can view the status of all disputes, see updates as they happen, access correspondence, and communicate with your case manager. We also provide regular email updates.

Question 9

How do I access my client portal?

Accepted Answer

After enrollment, you'll receive login credentials for your Dispute Fox client portal via email. You can access the portal from any device with internet access. The portal is secure and provides 24/7 access to your case information, documents, and dispute status.

Question 10

What laws do you use in the dispute process?

Accepted Answer

We primarily use the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). The FCRA gives you the right to dispute inaccurate information on your credit reports, while the FDCPA protects you from unfair debt collection practices. We also follow CFPB and FTC guidelines.

Question 11

What if disputes don't work?

Accepted Answer

Not all disputes result in removal or modification of items. If initial disputes are unsuccessful, we may escalate with additional documentation, pursue secondary dispute methods, or explore other options under consumer protection laws. We maintain realistic expectations and never guarantee specific outcomes.

Question 12

What are your pricing options?

Accepted Answer

We offer three one-time payment programs: Foundation ($850), Accelerated ($1,000), and Elite ($1,250). Each program includes different levels of dispute coverage. There are no monthly fees or hidden charges. View our pricing page for detailed information on what each program includes.

Question 13

Do you offer payment plans?

Accepted Answer

Yes! We partner with trusted payment providers including Affirm, Zip, Afterpay, and Klarna to offer flexible payment options. We also offer in-house financing for qualified clients. This makes our services accessible regardless of your current financial situation.

Question 14

What payment methods do you accept?

Accepted Answer

We accept all major credit and debit cards, as well as payments through our partner financing providers. For in-house payment plans, we can work with you to set up a schedule that fits your budget.

Question 15

Is there a money-back guarantee?

Accepted Answer

While we cannot guarantee specific results (no legitimate credit repair company can), we are committed to providing quality service. We encourage you to schedule a free consultation to understand our process and set realistic expectations before enrolling.

Question 16

Are there any monthly fees?

Accepted Answer

No, we do not charge monthly fees. Our pricing is a one-time investment that covers your entire dispute program. This transparent approach means you know exactly what you're paying upfront with no surprise charges.

Question 17

Are you a law firm?

Accepted Answer

No, Dispute2Go is NOT a law firm and we do not provide legal advice or legal representation. We are a credit consulting and advocacy service. We help you understand and exercise your rights under federal consumer protection laws. For legal matters, we recommend consulting with a licensed attorney.

Question 18

Do you guarantee results?

Accepted Answer

No, and you should be wary of any company that does. Under the Credit Repair Organizations Act (CROA), it is illegal to guarantee specific outcomes. Results vary based on individual circumstances, the accuracy of reported information, and responses from credit bureaus and data furnishers.

Question 19

Is credit repair legal?

Accepted Answer

Yes, credit repair and dispute services are completely legal. The FCRA explicitly gives consumers the right to dispute inaccurate information on their credit reports. What's illegal is making false claims, guaranteeing results, or advising consumers to misrepresent information.

Question 20

What consumer protection laws apply to your services?

Accepted Answer

Our services operate under several federal laws including the Fair Credit Reporting Act (FCRA), Fair Debt Collection Practices Act (FDCPA), and Credit Repair Organizations Act (CROA). We also follow guidelines from the Consumer Financial Protection Bureau (CFPB) and Federal Trade Commission (FTC).

Question 21

How do you protect my personal information?

Accepted Answer

We take data security seriously. All personal information is encrypted and stored securely. We only share your information with credit bureaus and creditors as necessary for the dispute process. Our systems comply with industry-standard security practices, and we never sell your personal data.

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