Question 1

How does credit repair work?

Accepted Answer

Credit repair is the process of reviewing your credit reports for inaccuracies, outdated information, or unverifiable items and challenging those items through legally compliant dispute methods.

While credit laws are federal—meaning credit repair works the same nationwide—the strategy and precision matter more in competitive markets like New York City, where approval standards are higher.

Question 2

How long does credit repair take?

Accepted Answer

Credit repair is not instant. Timelines vary based on:

• The number of negative items
 • The type of accounts reported
 • How credit bureaus and creditors respond

Some clients see improvements within the first few months, while others require longer. In NYC, where lenders scrutinize credit more closely, patience and strategy are especially important.

Question 3

Can negative items really be removed?

Accepted Answer

Yes—if they are inaccurate, outdated, incomplete, or unverifiable.

Credit bureaus are required to verify reported information. If they cannot properly verify an item, it must be removed. Accurate items may remain, but errors are far more common than most people realize—both in NYC and nationwide.

Question 4

Can I fix my credit myself?

Accepted Answer

You are legally allowed to dispute items on your own. However, many people struggle with:

• Knowing what qualifies as disputable
 • Writing effective disputes
 • Avoiding frivolous dispute flags
 • Following up properly

In NYC’s competitive environment, mistakes can delay results. Professional guidance helps ensure disputes are submitted strategically and correctly.

Question 5

Will credit repair hurt my credit score?

Accepted Answer

No. Properly handled credit repair does not hurt your credit score. In fact, correcting errors often improves scores over time.

Scores may fluctuate temporarily as accounts are updated, but lawful dispute activity does not cause long-term harm.

Question 6

How much does credit repair cost?

Accepted Answer

Costs vary depending on the service structure. At Credit Roadrunner, pricing is transparent, with no hidden fees or long-term contracts.

You’ll know exactly what to expect before enrolling—and services can be canceled at any time.

Question 7

Do you charge a setup fee?

Accepted Answer

Unlike many credit repair companies, Credit Roadrunner does not charge large upfront setup fees. Our focus is on ongoing service, results, and accountability.

Question 8

Will credit repair remove bankruptcies?

Accepted Answer

Bankruptcies may remain on a credit report for a set period, but in some cases, inaccuracies or reporting errors can be challenged.

Each situation is unique, which is why a personalized review is essential.

Question 9

Does credit repair help with apartment approvals in NYC?

Accepted Answer

Yes. In New York City, credit plays a major role in:

• Rental approvals
 • Lease renewals
 • Co-op and condo board reviews

Removing inaccurate negative items and improving credit profiles can significantly improve approval odds.

Question 10

Can credit repair help lower interest rates?

Accepted Answer

While credit repair cannot directly change interest rates, improving your credit profile can lead to:

• Better loan terms
 • Lower APRs
 • Increased approval options

These benefits apply in NYC and nationwide.

Question 11

Do you work with clients outside of New York City?

Accepted Answer

Yes. Credit Roadrunner serves clients nationwide. Credit reporting laws are federal, allowing us to assist clients across the United States while applying NYC-level standards to every credit file.

Question 12

How do I get started?

Accepted Answer

Getting started is simple:

1. Schedule a free credit repair consultation
2. Review your credit reports with a specialist
3. Decide if professional credit repair is right for you

There is no obligation to enroll after your consultation.

Frequently Asked Questions About Credit Repair

Still Have Questions?