Credit Repair Questions Keisha Gets Every Single Week

Completely legal. The Fair Credit Reporting Act (FCRA) gives every consumer the right to dispute information on their credit report that's inaccurate, incomplete, or unverifiable. The Credit Repair Organizations Act (CROA) regulates companies that provide this service professionally. CleanSlate operates within both laws. What's NOT legal: paying someone to create a false identity, disputing accurate information through fraud, or using a new EIN to "start over" — we don't do any of that.

Sometimes, through legitimate means. Accurate late payments can sometimes be removed through goodwill letters. Accurate collection accounts can sometimes be removed if the collector can't properly verify the debt under the FDCPA. But a legitimate, recent bankruptcy or an accurate charge-off that's still being reported within its legal window? Those are harder. The honest answer is: it depends on what's on your specific file. That's what the free analysis is for — we tell you what's realistically removable.

You can. It's your legal right, and Keisha will tell you how if that's what you want to do. The challenge is that bureaus process thousands of disputes daily. Generic letters get generic responses. Knowing which specific language triggers a real FCRA-mandated investigation versus a rubber-stamp "verified" response, when to escalate, when to file a CFPB complaint, and how to sequence disputes strategically — that's what five years and 1,400+ client files teaches you. DIY works. Professional help works faster and more often.

Most clients see their first deletions in 30-45 days — that's from when we file the first dispute round. Bureaus have 30 days to investigate under the FCRA. Score improvements start showing up around month 2 or 3 as multiple items come off and bureaus recalculate. Full credit rebuilds — getting from a 500 to a 700, for example — typically take 4 to 6 months. Some clients get there faster. A few take longer. Depends entirely on what's on the report.

It happens occasionally. Creditors are allowed to re-insert items they've removed under specific conditions — they must notify you in writing first and have new information to justify re-reporting. When items come back, we dispute them again at no extra charge. If a re-insertion violated the proper procedure, that's actually a FCRA violation that we can escalate. We track every removal and catch re-insertions quickly.

No. CleanSlate runs month-to-month. If you want to stop, you email Keisha and your billing stops at the end of that month. You've already gotten the work done for that period. There's no cancellation fee, no early termination penalty, and no "minimum commitment" period. Keisha built it this way deliberately — she wanted clients to stay because the results are good, not because they're locked in.

That question comes up in almost every first call. The honest answer is: verify us. Check the BBB — it's A+ with no complaints. Read the Google reviews — 217 of them, at 4.9 stars, from real clients with real names describing real results. Keisha rebuilt her own credit from 480 to 780 before she started this company. She knows what shady credit repair looks like and made it a point to build the opposite. The free analysis costs you nothing. If it doesn't feel right, you walk away. That's the deal.

Collections (including medical debt and credit card collections), late payments, charge-offs, repossessions, bankruptcies, foreclosures, identity theft items, duplicate accounts, outdated items past the 7-year window, and procedural errors from creditors. Each requires a different approach. Some are resolved quickly through debt validation. Others take several rounds of disputes. Keisha assesses your specific file and explains what approach each item needs.