Frequently Asked Questions

Credit repair is the process of reviewing your credit reports for information that may be inaccurate, incomplete, outdated, or otherwise questionable and, when appropriate, disputing that information with the credit bureaus or data furnishers. Credit repair does not erase legitimate debt or guarantee that negative information will be removed.

Yes. Consumers have the right to dispute information on their credit reports that they believe is inaccurate or incomplete. Credit repair companies can assist consumers with reviewing their reports, identifying potential issues, preparing appropriate disputes, and understanding the credit repair process.

We begin by reviewing your credit reports and identifying information that may warrant further review. When legitimate grounds for a dispute exist, we assist with challenging the information, monitoring responses, and determining whether additional action may be appropriate.

Want to learn more? Click here to see how our credit repair process works.

Credit repair can help address credit-reporting information when legitimate issues exist. However, everyone's credit profile is different, and results vary. No specific deletion, score increase, or outcome can be guaranteed.

Renova Credit Solutions LLC is a Pennsylvania limited liability company dedicated to helping consumers understand their credit reports and exercise their rights under applicable consumer protection laws.

We believe in transparency, consumer education, honest communication, and realistic expectations. We do not promise guaranteed deletions or specific credit score increases.

Absolutely. You have the right to review and dispute information on your own credit reports without hiring a credit repair company. Some consumers choose Renova because they want professional assistance reviewing their reports, organizing disputes, monitoring responses, and understanding the process.

Prefer to repair your credit yourself? Prefer to repair your credit yourself? Click here to explore our DIY Credit Repair Kit.

Our service is about convenience, organization, education, and professional assistance. We help you understand what's being reported, identify potential reporting concerns, prepare appropriate disputes, monitor progress, and stay informed throughout the process.

Depending on the circumstances, we may review collections, late payments, charge-offs, repossessions, bankruptcies, certain inquiries, and other negative information. A negative item isn't automatically disputable simply because it's hurting your credit; there must be a legitimate basis for challenging it.

These items can be reviewed for inaccuracies, incomplete information, inconsistencies, or other legitimate grounds for dispute. Whether an item can be corrected or removed depends on the circumstances and how it is being reported. We cannot guarantee deletion of any particular item.

Credit repair isn't intended to erase accurate and current negative information simply because it's unfavorable. Our focus is identifying information for which there may be legitimate grounds for a dispute. We will not knowingly submit false information to try to have an account removed. 

Potentially. An inquiry you don't recognize or believe wasn't authorized may warrant further investigation. However, an inquiry isn't automatically disputable simply because it negatively affects your credit.

Not necessarily. Paying a collection account does not automatically remove it from your credit report. Accurate negative information may remain for the applicable reporting period, even after the debt has been paid. However, certain credit scoring models treat paid collections differently, and some collection accounts may qualify for removal under specific reporting policies.

Possibly. Credit reporting and the underlying debt are separate matters. Removal of an account from a credit report does not necessarily eliminate your legal obligation to pay a legitimate debt.

Yes. In certain circumstances, previously removed information may be reported again. However, federal law establishes specific requirements for reinserting information that was deleted following a dispute. If an item reappears, we can review the circumstances and determine whether further action may be appropriate.

There is no universal timeframe. Every credit profile is different, and the process can depend on the number and complexity of the items being addressed, responses received, documentation required, and other individual circumstances.

We don't promise overnight credit repair or guarantee that your credit will be “fixed” within a particular number of days. Credit repair takes time, and every person's circumstances are different.

There is no way to accurately predict a specific increase. Credit scores are affected by many factors, including payment history, balances, utilization, account age, new credit, and changes to the information appearing on your reports.

Reviewing your own credit reports does not negatively affect your credit score. However, credit scores can fluctuate throughout the credit repair process due to changes in reported information, account balances, payment history, and other factors. Renova Credit Solutions cannot guarantee that your credit score will increase or remain unchanged.

No. We cannot guarantee the removal of any particular account or credit-report item. We focus on performing the services we've agreed to provide and pursuing legitimate disputes when appropriate.

We can review the response and determine whether additional information, documentation, or another legitimate course of action may be appropriate. We will not repeatedly submit disputes that have no reasonable basis.

Renova Credit Solutions offers transparent pricing with a one-time Credit Audit & Analysis fee and a separate monthly fee for ongoing credit repair services.

Our services are month-to-month, with no long-term commitment. Credit monitoring is included with our ongoing service at no additional charge. Fees are charged only after applicable services have been performed and when permitted by law.

For current rates and complete details, click here to view our Pricing page.

Our ongoing service is designed to be month-to-month. Your written service agreement explains the terms of service, cancellation procedures, and applicable consumer rights.

Yes. Credit repair does not replace your responsibility to manage your current financial obligations. You should not stop paying legitimate bills simply because an account is being reviewed or disputed.

No. Renova Credit Solutions is not a debt-settlement company. Our services focus on credit-report information and credit education; we do not negotiate settlements with creditors on your behalf.

Yes! We proudly provide services in both English and Spanish. ¡Hablamos Español!

No. Renova Credit Solutions provides convenient remote services, allowing you to work with us from the comfort of your home. Consultations, communications, and documentation can generally be handled through telephone, email, and secure electronic systems.

Yes. Renova Credit Solutions offers a free initial consultation to explain our services, answer general questions, and help you determine whether our services may be appropriate for your situation.

Ready to speak with us? Click here to schedule your free consultation.

To begin the credit repair process, we'll need some basic personal information and access to your credit reports. Depending on your situation, we may also request identification, proof of address, or supporting documentation to help us review potentially inaccurate or incomplete information. We'll guide you through the process and explain what's needed before moving forward.

Start by scheduling a free consultation with Renova Credit Solutions. We'll discuss your situation, explain how our process works, answer your questions, and help you understand what to expect before you decide whether to move forward.

Ready to take the first step? Click here to book your free consultation.