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Absolutely. ICS LLC operates strictly under federal laws like the Fair Credit Reporting Act (FCRA), Fair Debt Collection Practices Act (FDCPA), and Credit Repair Organizations Act (CROA). We challenge unverified, inaccurate, or unfair items on your reports—a right every consumer has.

Repairing inaccuracies never directly lowers your score. While rare, if a disputed item is updated (e.g., a "closed" account marked "current"), scores may fluctuate temporarily. Long-term, removing negatives always raises scores.

Results vary based on credit history complexity, but most clients see significant improvements within 60–90 days. Simple disputes (e.g., incorrect addresses) resolve fastest; complex cases (bankruptcies, collections) may take 3–6 months.

No ethical company can legally remove accurate, verifiable information. However, we aggressively challenge items that are:

-Inaccurately reported

-Outdated (over 7–10 years old)

-Unable to be verified by creditors/bureaus within 30 days (per FCRA rules)

We specialize in complex cases! While these are harder to remove, we:

-Ensure they’re reported correctly (e.g., dates, amounts)

-Challenge procedural errors

-Pair disputes with credit-building tools (secured cards, credit-builder loans) to accelerate recovery.

No! We encourage positive credit habits:

-Keep making on-time payments

-Maintain low credit utilization (<30%)

-Avoid new hard inquiries (unless necessary)

-Our dashboard and advisor help you balance repair with healthy credit use.

We persist! Our process includes:

-Escalating disputes with new evidence

-Demanding procedural reviews under FCRA

-Direct creditor negotiations

-Legal referrals (if applicable)

-Our success rate averages 85%+ for unverifiable items.

As much as we would like to, there is simply no way to know the answer to this question.

There are far too many factors in­volved in the credit scoring model; the biggest variable being the "human factor". We don't know what you are going to do during this process. You might get new lates, max out credit cards, get new credit, get new collections, get a judgment placed against you, or one of hundreds of other things that would change the outcome of your service. As long as you follow the lead of Information Chane Situations LLC, we will make more progress than setbacks.