Credit repair is legal and governed by the Fair Credit Reporting Act (FCRA), which gives consumers the right to dispute inaccurate, incomplete, or unverifiable information on their credit reports. Credit bureaus and creditors are required to investigate disputes—typically within 30 days—and remove or correct items that cannot be properly verified. Studies continue to show that many credit reports contain errors or outdated information, which is why clients often see improvements once disputes are submitted. At D1 Credit Repair, we use compliant, strategic documentation to enforce your consumer rights and hold reporting agencies accountable.