Frequently asked questions
We understand that credit repair can feel complicated, and you probably have questions before getting started. Our FAQ section covers the most common concerns, from how long the process takes and what results you can expect, to what documents are required and the difference between our $1,000 full-service program and $200 DIY Credit Repair Kit. We believe in being transparent every step of the way, so you’ll find straightforward answers that help you make confident, informed decisions about your credit journey.
What documents do you need from me?
To begin repairing your credit, we’ll need a few important documents to verify your identity and review your credit history. These ensure we can communicate with the credit bureaus and creditors on your behalf, and that your disputes are processed smoothly.
- All Three Credit Reports – From Experian, Equifax, and TransUnion. This gives us a complete picture of your credit history so we can identify inaccurate, outdated, or negative items across all bureaus from annualcreditreport.com.
- Photo of Your Driver’s License – Confirms your identity and matches the personal details on your credit reports.
- Copy of Your Social Security Card – Required for the credit bureaus to verify your identity before making any changes to your file.
- Recent Utility Bill (with Your Name and Address) – Acts as proof of your current residence, which the credit bureaus need when processing disputes.
We keep all documents secure and confidential, and they are used solely for the purpose of improving your credit profile.
How long does the credit repair process take?
Credit repair is not an overnight process. On average, clients start seeing results within 30-90 days, but the full process can take 3-6 months or longer depending on the number and complexity of items on your report.
Can BlackStone Credit Solutions remove all negative items from my credit report?
No company can guarantee the removal of all negative items. We work to dispute inaccurate, outdated, or unverifiable accounts. If an account is valid and reported correctly, it must remain on your report, but we can help you rebuild positive credit to offset it.
Will paying off my collections improve my credit score immediately?
Paying off collections can be beneficial in the long term, but it doesn't always result in an immediate score increase. We focus on both resolving negative items and building new positive credit history for lasting results.
Is credit repair legal?
Yes, credit repair is 100% legal in the United States under the Fair Credit Reporting Act (FCRA) and the Credit Repair Organizations Act (CROA). These laws give you the right to dispute any inaccurate or unverifiable information on your credit report.
Can I repair my credit myself?
Yes, you can dispute errors on your own. However, many people hire us because we have the time, knowledge, and understanding to handle the process efficiently and maximize results. To help with this, we offer a DIY Credit Repair Kit for a small fee.
How much will my credit score increase?
Every credit profile is unique, so results vary. While we can't guarantee a specific score increase, many clients see significant improvements as negative items are removed and new positive accounts are added.