Frequently Asked Questions

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Our program fees are clearly outlined on the Services & Pricing page. We believe in transparency — no hidden costs, no surprises.

Once you enroll, you’ll get access to a secure client portal. Inside, you’ll find a full timeline, real-time progress reports, and a credit-analysis dashboard that tracks dispute activity and updates to your report.

Absolutely — you have the legal right to manage your credit. What ProsperU offers is professional-grade support: we handle disputes, work with bureaus and creditors daily, and bring experience and structure so you don’t have to navigate this alone. We’re here to make it easier, faster, and more effective.

No — that’s not our approach. We craft customized, strategic disputes tailored to each item on your report. We don’t throw out generic challenge letters. Our process is deliberate, educated, and grounded in best practices.

Yes — your credit is yours to use. Just keep in mind: applying for new credit triggers a hard inquiry, which can affect your score. If your profile is mid-repair, timing new credit applications carefully helps you avoid undermining progress.

Under laws like the Fair Credit Reporting Act (FCRA), you have the right to challenge inaccuracies on your credit reports. ProsperU uses these protections to dispute items you believe are false, outdated, or unverifiable, and works with credit bureaus or creditors to seek correction.

Yes — it’s your responsibility to keep your accounts current. If new late payments or negative marks are added during dispute work, it can create fresh credit damage. Our process helps repair the past, but ongoing diligence ensures you’re not fighting new battles.

It’s rare — but possible. If a creditor re-verifies a previously disputed item and confirms its validity, credit bureaus may re-add it. If that happens, you’ll be notified under FCRA guidelines, because every consumer has the right to review what appears on their report. At ProsperU, we strive for accuracy and sustainability.

Paying bills and reducing balances helps build a stronger credit history, especially when utilization and payment history improve. That’s smart financial behavior — and what we encourage clients to maintain alongside dispute work for long-term credit health.

• A charge-off can remain up to 7 years from the first late payment that led to default.
• Depending on the bankruptcy type, a bankruptcy may remain on your report for up to 10 years — or longer, per the specific rules.
   

We’ll analyze your report and tailor your action plan with realistic expectations based on your unique history.

We evaluate every negative item on your report for accuracy, completeness, or potential dispute grounds. That includes repossessions, foreclosures, charge-offs, and hard inquiries. While not every item qualifies for removal, we pursue every viable avenue — and always prioritize transparency about what’s possible and what isn’t.