Here’s what you might be wondering

Frequently Asked Questions

Yes! The Fair Credit Reporting Act (FCRA) gives you the right to dispute any item on your credit report.

In short, we challenge the negative information affecting your credit by sending letters on your behalf to the bureaus. Simultaneously, we assist you with building credit to aid in increasing your credit score.


No. There will not be any way for it to be known you hired or worked with a credit repair agency. There is no downside to working with Millennial Financial Solutions. Every part of the process is designed to increase your credit scores.

We can assist with bankruptcies, foreclosures, collections, charge-offs, repossessions, medical bills, credit card debt, inquiries, late payments, old addresses, judgments, tax liens and student loans.


No. If you need dispute verbiage lifted from your credit profile, our service is very strong in helping with that as well.


Credit monitoring is crucial being that it allows us to effectively track your progress, updates, and provides access to scoring information from all 3 credit bureaus. Each bureau can report different information (For example; you may have a collection with Transunion but not Experian). Free monitoring, such as Credit Karma, does not offer this.


You can start to see results in as little as 30-45 days. While there is no exact timeframe, we can provide by law on how long it will take to complete your profile, we recommend being enrolled in the program at least 6 months. Depending on your credit profile, it may take longer.



Monthly fees reimbursed if no results within 180 days.

Yes, you can. However, be prepared in knowing it takes a lot of time and effort to effectively complete the job; including studying credit law to educate yourself, contacting creditors, collection agencies, the 3 bureaus, verifying information, settlements etc… Many people choose to have a credit expert complete the work on their behalf as it is their profession- similar to having a mechanic perform your car’s repair.


There is a contract that entails our service agreement; however, you may cancel at any time.


Every 30-45 days, at the end of a challenge cycle, we will pull your updated credit report and update your Secure Client Portal with the results. We will also send you an email with all the significant updates, as well as insight as to why your scores changed. These might include pointing out that a credit card balance increased significantly, and advice on what you can do to help us help you.


Our credit REPAIR service is much more targeted and aggressive than other credit repair companies, as well as much more comprehensive. We dispute all the invalid negative accounts reporting with all three credit bureaus immediately. We also include in-depth credit and financial education with a detailed game plan that’s unique to each individual customer.