The process begins with a detailed review of your credit reports from the major credit bureaus.
We identify items that may be inaccurate or negatively affecting your credit profile. Disputes are
then prepared and submitted, responses are tracked, and strategies are adjusted based on
results. Clients also receive guidance on credit habits that support long-term improvement.

Credit repair timelines vary based on each individual’s credit profile. Credit bureaus typically
have up to 30 days to respond to a dispute. Some changes may occur within the first 30–45
days, while other situations may require multiple dispute cycles over several months. Results
are not guaranteed and depend on many factors.

No. Ethical and compliant credit repair companies do not guarantee specific results, removals,
or score increases. Every credit profile is different, and outcomes depend on the accuracy of the
information reported and the responses from creditors and credit bureaus.

Disputes are generally processed in monthly cycles. This allows time for credit bureaus to
investigate and respond before additional actions are taken.

Items that may be reviewed for dispute include collections, charge-offs, late payments,
repossessions, foreclosures, inquiries, and other negative entries — provided there is a valid
basis to challenge their accuracy, completeness, or verification.

Disputing inaccurate information does not hurt your credit. However, credit scores may fluctuate
naturally during the credit repair process depending on updates made to your credit file.

No. Our services are designed for individuals who are seeking to improve their credit, regardless
of their current score. Whether your credit is fair, poor, or rebuilding, we focus on creating a plan
that fits your situation.

Clients receive regular updates through their secure client portal and other approved
communication channels. You will be informed of dispute submissions, bureau responses, and
next steps throughout the process.

Yes. Consumers have the right to dispute items on their own at no cost. Many clients choose
professional assistance to save time, stay organized, and receive structured guidance
throughout the process.

To begin services, clients typically need to complete enrollment documents, provide
identification, and allow access to their credit reports. Once enrollment is complete, we can
begin the review and strategy process.

Yes. We take data privacy seriously and use secure systems and procedures to protect your
personal and financial information.

Our primary focus is personal credit repair and credit education. Business credit services may
be offered separately depending on the client’s needs.

Yes. While Excel Credit Care is based in Boston, Massachusetts, we proudly serve clients
across the United States.

We focus on transparency, compliance, personalized strategies, and client education. Our goal
is not just to dispute items, but to help clients understand their credit and build habits that
support long-term financial health.