Frequently Asked Questions

Credit repair works by identifying inaccurate, outdated, or unverifiable information on your credit reports and disputing these items with the credit bureaus. Our process includes:

1. Comprehensive review of your credit reports from all three bureaus
2. Identification of negative items that can be challenged
3. Preparation and submission of customized dispute letters
4. Follow-up with credit bureaus and creditors
5. Monitoring of your credit reports for changes
6. Educational resources to help you maintain good credit

The timeline for credit repair varies depending on your specific situation. Some clients see improvements in as little as 30-45 days, while more complex cases may take 6-12 months. Factors that affect the timeline include:

• The number of items that need to be disputed
• The complexity of your credit issues
• How quickly credit bureaus respond to disputes
• Your active participation in the process

We provide regular updates on your progress and work diligently to achieve results as quickly as possible.

Yes, credit repair is completely legal. The Fair Credit Reporting Act (FCRA) gives you the right to dispute inaccurate information on your credit reports. Credit repair companies like BrightStar Consultant help you exercise these rights effectively.

We operate in full compliance with all relevant laws, including the Credit Repair Organizations Act (CROA), which provides additional consumer protections when working with credit repair companies.

Yes, you can repair your credit yourself. However, the process can be time-consuming, complex, and frustrating without professional guidance. Working with BrightStar Consultant offers several advantages:

• Expert knowledge of credit laws and regulations
• Experience with effective dispute strategies
• Professional letter writing and documentation
• Consistent follow-up with bureaus and creditors
• Time savings (we handle the paperwork while you focus on other priorities)
• Personalized guidance throughout the process

We can help remove or correct various negative items from your credit report, including:

• Late payments
• Collections accounts
• Charge-offs
• Bankruptcies
• Foreclosures
• Repossessions
• Judgments
• Tax liens
• Inquiries you didn't authorize
• Accounts that aren't yours (identity theft)
• Incorrect account details (balances, payment history, etc.)

Items that are inaccurate, outdated, unverifiable, or improperly reported can be challenged and potentially removed from your credit reports.

Yes! We offer a satisfaction guarantee. If we don't remove any negative items from your credit report within the first 90 days, you can request a full refund of service fees paid.

While we cannot guarantee specific results such as a particular credit score increase or approval for specific loans, we do guarantee our effort and expertise in working to improve your credit profile.

Our credit repair services are available in three tiers to meet different needs and budgets:

• Basic Plan: $99/month
• Premium Plan: $149/month
• Elite Plan: $199/month

Each plan includes different levels of service and features. You can view detailed information about what's included in each plan on our Pricing page.

Getting started with BrightStar Consultant is easy:

1. Sign up through our registration page
2. Complete our secure online intake form
3. Upload or provide access to your credit reports
4. Schedule your initial consultation with a credit advisor
5. Review and approve your personalized credit repair plan

The entire process takes about 15-20 minutes to complete, and you can get started right away.

Yes, you can cancel your service at any time without any long-term contracts or cancellation fees. We believe in earning your business each month through results and excellent service.

To cancel, simply contact our customer service team by phone or email, and we'll process your cancellation request immediately.

To get started with our credit repair services, you'll need to provide:

• Personal identification (driver's license or state ID)
• Social Security number (for credit report access)
• Current address and previous addresses (last 2 years)
• Copies of your credit reports (or authorization to obtain them)
• Information about specific credit issues you're experiencing

All information is protected with bank-level security and encryption. We never share your personal information with unauthorized third parties.