Frequently Asked Questions

We offer two powerful solutions:

• DIY Credit Kit ($29 one-time): Instant access to 90+ dispute letters, step-by-step video training, credit tracking tools, and templates to manage your credit repair process on your own.
• Full-Service Credit Repair ($99/month): Our team handles the dispute process for you from start to finish. No contracts. Cancel anytime.

Here’s how to decide:

• Choose DIY: If you're comfortable following directions and managing your own process, this is an affordable and effective choice.
• Choose Full-Service: If you want a hands-off, done-for-you experience with experts who dispute and strategize on your behalf.

Immediately after purchase, you’ll receive:

• 93+ ready-to-edit dispute letters covering collections, late payments, charge-offs, repossessions, and more
• Video walkthroughs showing you exactly what to send, when to send it, and how to track results
• Credit-building game plan and score improvement tips
• Printable tracking sheets, letter checklist, and dispute log

Nope. You just need:

• Internet access
• Printer and envelopes (or PDF editor if mailing digitally)
• Mailing service (we recommend certified mail)

That’s it. No software or subscriptions required.

The DIY Kit is built for self-service. It’s plug-and-play. If you find you need more help, you can easily upgrade to our Full-Service option at any time.

Here’s what we handle on your behalf:

• Pull and review all 3-bureau credit reports
• Identify inaccuracies, outdated accounts, unverifiable items, and errors
• Send tailored dispute letters monthly (by law, results take ~30-45 days)
• Monitor removals and re-reporting risks
• Give you credit-building tips and account recommendations

Most clients see real progress in 60–90 days. But keep in mind:

• It usually takes multiple rounds to clean up a report
• Each round = 30–45 days for the bureaus to respond
• Average timeframe: 4–6 months of consistent effort

No one can guarantee specific credit score increases or deletions — and anyone who does is breaking the law. But we guarantee real effort, full compliance, and transparent updates every step of the way.

• Two Plans That Work: Whether you're hands-on or hands-off, we’ve got the DIY Kit and Full-Service plan built to fit your needs.
• Fast, Transparent Results: We keep you in the loop every step of the way through a secure client portal.
• Disputes Done by Mail & Online: We use a dual-approach — mailing formal dispute letters AND filing select online disputes to accelerate results.
• Compliance First: We follow all CROA and FCRA laws and never promise results we can’t legally guarantee.
• Legal Backup: We have access to an in-house attorney if your file requires legal-level support. It’s rare, but we’re prepared if needed.
• Score-Building Tools: We help you add positive accounts like secured cards or credit builder loans to boost your progress.

Yes. Thryve works with clients across the United States. All services are handled remotely via email, phone, and our secure online portal.

You can contact us by scheduling an appointment or sending a message through our contact page. We’re fast, responsive, and here to help.

Both. We primarily dispute by mail because it provides a stronger legal record, but we also dispute online when it helps move things faster. This tag-team approach ensures your disputes get the best shot at fast results.

Once your negative items are removed, we shift into strategy mode. We'll guide you on how to:

• Keep your credit clean and protected
• Use tools to monitor your score monthly
• Add strong accounts to build your score (credit cards, loans, etc.)

Our goal is long-term growth, not just short-term fixes.

Yes — we recommend secured cards, rent-reporting programs, credit builder loans, and more. Contact us for current recommendations based on your file and goals.

Absolutely. You can continue building positive credit (like adding secured cards or keeping balances low) while we handle disputes. Just let us know so we can coordinate and avoid sending conflicting letters.

We dispute each late payment individually. Depending on how they’re reported, we may challenge their accuracy, age, or verifiability. Some creditors remove them. Others verify. We keep fighting every round.

Yes, we can dispute inaccurate student loan reporting (like late payments or default status). We cannot remove legitimate balances or current loans unless they contain reporting errors.

Possibly. Just because something is paid doesn't mean it's reporting correctly. We challenge inaccurate balance amounts, dates, account ownership, and more. If a paid collection still contains errors, we’ll dispute it.

Sometimes — but not always. Paying off collections or charge-offs doesn’t remove them. They’ll still show up as “Paid Collection” unless disputed. We guide you through which debts are better left alone and which to tackle.

We’ve had success removing both in certain cases — especially when documents are outdated or incomplete. Every case is different, but if anything is inaccurate or unverifiable, it can be challenged.

Identity theft is handled differently. We’ll guide you on the proper FTC identity theft affidavit and reporting process. We can dispute fraudulent accounts after you’ve submitted a police report and affidavit.

Sometimes deleted accounts reappear if a creditor re-verifies the debt. We monitor this. If it returns, we dispute again with updated strategies and language.

We don’t sell tradelines. But we do help you identify safe, compliant options to build new credit — like secured cards, self-lender accounts, or rent-reporting tools. We’ll suggest the best path for your situation.

In the long term — yes. Responsible new accounts help build positive history. But we advise waiting 30–60 days after deletions to apply, and we’ll tell you when it’s time to safely build.

Absolutely. You’ll have a secure client portal with monthly updates showing what was disputed, what was removed, and what’s still in progress.

We send out disputes every 30–35 days — that’s the legal window for each round. Sending them too fast can be flagged as frivolous, so we follow a proven timeline.

We won’t be able to access your reports to send new disputes. You’ll get notified immediately and have the chance to reconnect. Once fixed, we resume work the same month.

We partner with Credit Hero Score — $1 trial for the first week, then $19.99/month. This platform provides 3-bureau reports and scores we can legally use to file disputes.

No. All disputes are sent in writing — that’s what holds up in court and under FCRA compliance. Phone calls don’t leave a paper trail and aren’t recommended.

It can happen short-term. Some accounts (even negative ones) contribute to average age or utilization. We coach you through score recovery with strategic rebuilding.