Frequently asked questions
Everything you need to know about getting started with Bright Line Credit — from how credit repair works to what you can expect from our veteran-owned team.
Is credit repair legal?
Yes. Credit repair is fully legal under the Fair Credit Reporting Act (FCRA). You have the right to dispute inaccurate, outdated, or unverifiable information on your credit reports — and we help you exercise that right correctly.
How long does the credit repair process take?
Every case is different, but most clients see their first updates within 30–45 days, with full progress typically occurring over 3–6 months depending on the complexity of the report.
Will credit repair hurt my score?
No. Disputing inaccurate information does not lower your score. In fact, many clients see increases once errors are corrected or negative items are removed.
Can you remove collections, charge-offs, or late payments?
If the account is inaccurate, incomplete, outdated, or unverifiable, it can legally be removed.
Nothing is guaranteed, but our veteran-led dispute system gives you the strongest chance of correcting damaging information.
What makes Bright Line Credit different from other companies?
Veteran-owned & values-driven
Honest timelines and realistic expectations
No shady tactics or pressure
App-based progress tracking
DIY and Managed options
Clear communication and transparency
What do you do for Managed Credit Repair?
We handle everything for you:
Disputes
Follow-ups
Deadlines
Compliance
Communication with the credit bureaus
Progress tracking through your app
You just upload your credit reports and we take it from there.
What do I need to get started with Managed Repair?
Just:
Enroll
Upload your credit reports (instructions provided)
Complete a short onboarding form
Your case begins immediately.
Do you offer refunds?
We follow all CROA regulations. You are only billed for work that has been completed. There are no illegal upfront fees.
What’s included in the DIY Credit Restoration Kit?
You get:
Step-by-step instructions
Dispute letter templates
Tracking sheets
Timelines & strategy guide
Examples of each type of dispute
Email support if you have questions
It’s built so anyone can do it — even if they’ve never seen their credit report before.
Is the DIY Kit as effective as Managed Repair?
Yes — if you follow the process.
Managed Repair just saves you time and ensures everything is done professionally.
DIY = You do the work
Managed = We do the work
Both use proven dispute strategies.
Can I switch from DIY to Managed later?
Yes. Many clients start with DIY and switch once they want faster, done-for-you progress. You’ll get a discount as an existing DIY client.
Are there any hidden fees?
No.
We do not use contracts, hidden charges, or shady pricing. Everything is upfront, simple, and legal.
Can you remove bankruptcies, repossessions, or evictions?
If the information is inaccurate or cannot be verified through proper channels, yes — it can be removed.
We never promise results, but we always give you the best legal strategy for your situation.
THE 5 BIGGEST CREDIT REPAIR MYTHS
Myth #1 — Credit repair is illegal.
Truth: It’s fully legal under federal law.
Myth #2 — Negative items must stay for 7 years.
Truth: If unverifiable or inaccurate, they can be removed early.
Myth #3 — All credit repair companies are scams.
Truth: Some are, but compliant companies like ours follow federal law and provide real support.
Myth #4 — Credit repair hurts your score.
Truth: Removing errors helps your score — it doesn’t hurt it.
Myth #5 — Credit repair works overnight.
Truth: Real results take time, consistency, and legally compliant cycles.
Ready to Take Control of Your Credit?
Choose the path that fits your goals.