Credit repair involves reviewing your credit reports, identifying information that may be inaccurate, incomplete, outdated, unverifiable, or related to identity theft, and assisting with the appropriate dispute process. Credit repair may also include education on improving and maintaining healthier credit habits. Consumers can dispute credit-report errors themselves for free.

Information may be disputed when there is a good-faith reason to believe it is inaccurate, incomplete, outdated, unverifiable, duplicated, or the result of identity theft. This may include incorrect personal information, unauthorized accounts, inaccurate balances, improperly reported late payments, collections, charge-offs, and other reporting errors. Valora does not dispute information that a client knows is accurate solely because it is negative.

Generally, accurate and current negative information cannot legally be removed simply because it is unfavorable. Most accurate negative information remains on a credit report for up to seven years, while certain bankruptcy information may remain for up to ten years. Valora does not promise or guarantee the removal of accurate information.

Every credit profile is different, so there is no guaranteed timeline. Credit bureaus generally complete an individual dispute investigation in approximately 30 days, although some investigations may take longer. The complete credit-improvement process may require multiple months depending on the number and type of accounts, the responses received, and the client’s overall credit profile.

No. Valora Consulting Group LLC does not guarantee deletions, credit-score increases, approvals, credit limits, funding amounts, or any other specific outcome. Results depend on each client’s credit profile, the accuracy of the information reported, responses from credit bureaus and data furnishers, and the client’s financial behavior.

A free credit assessment is recommended so we can understand your concerns, discuss your goals, explain the available services, and determine whether Valora is an appropriate fit. The assessment does not require you to purchase a service.

Depending on the service, you may be asked to provide:

* A valid government-issued photo ID
* Proof of your current address
* Current credit reports from the three major credit bureaus
* Documents supporting any claimed reporting errors
* Identity-theft documentation when applicable
* A signed service agreement and required disclosures

Sensitive documents should only be submitted through an approved secure portal. Clients should not submit Social Security numbers, passwords, credit-monitoring login credentials, identification documents, or complete credit reports through the public website contact form or ordinary email.

Clients will receive progress updates through the approved client communication system, secure portal, email, or scheduled consultation, depending on the service selected. Updates may include dispute activity, responses received, recommended next steps, and credit-education guidance.

Please remove “secure portal” from this answer if a functioning client portal has not yet been selected and connected.

Yes. Valora offers business-credit education and consulting for entrepreneurs who want to establish or strengthen their business-credit profiles. Services may include a business-credibility review, business-credit education, vendor-account strategy, and a personalized action plan. Valora does not guarantee business-credit approvals, scores, limits, or funding.

No. Valora Consulting Group LLC is not a lender and does not make credit or funding decisions. We provide funding-readiness education and consulting, but approval decisions, interest rates, terms, credit limits, and funding amounts are determined solely by third-party lenders and financial institutions.

Clients have the right to cancel a credit-repair service agreement without penalty or obligation within three business days after signing. Each client will receive a written service agreement and Notice of Cancellation explaining how to exercise this right. Any cancellation requested after that period will be handled according to the written service agreement and applicable law.

Please have the final cancellation and refund policy reviewed and approved by a qualified compliance professional or attorney before publication.

It’s simple — enroll online, submit your documents, and we begin disputing on your behalf. Your client portal will track every update, item removed, and milestone reached.