Credit repair is the process of reviewing credit reports and disputing inaccurate, incomplete, outdated, or unverifiable information in accordance with the Fair Credit Reporting Act (FCRA).

Yes. Credit repair is legal under federal law. Consumers have the right to dispute inaccurate information under the Fair Credit Reporting Act (15 U.S.C. §1681).

Yes! If you do not receive instructions within 24 hours, please contact us via chat with your Order Number.

Credit repair is not instant. In most cases, the process takes 6 months to 12 months, depending on:

• Number of negative accounts
• Account types and age
• Credit bureau investigation timelines
• Furnisher verification responses
• Client participation and financial behavior

No. Federal law prohibits guaranteeing results. We do not promise deletions, credit score increases, approvals, or funding outcomes.

Items that may be disputed when inaccurately reported, incomplete, outdated, or unverifiable include:

• Collections
• Charge-offs
• Late payments
• Bankruptcies
• Child support reporting
• Evictions
• Repossessions
• Inaccurate balances
• Duplicate accounts
• Identity theft-related items
• Unauthorized inquiries
• Incorrect personal information
  

Each account is evaluated individually based on reporting accuracy and compliance with consumer protection laws.

Yes—if the information is reported inaccurately, incompletely, or in violation of reporting laws. Disputing does not mean automatic removal. All items must meet legal standards under the FCRA to be corrected or removed.

No. We do not remove accurate, verified, and lawfully reported information unless it violates consumer protection laws. Our focus is accuracy, compliance, and consumer rights.

No. Disputing inaccurate information does not lower your credit score. However, missed payments, high utilization, or new debt during the process may affect results.

To begin services, you’ll need:

• Government-issued photo ID
• Proof of address
• Credit report access or reports
• Signed service agreement

Yes. We offer DIY credit education, live trainings, and digital resources for individuals who prefer to manage their own credit.

We do not provide business credit services or consulting. However, we offer a Business Credit DIY eBook for educational purposes only.

Yes. We provide credit education and positioning guidance to help clients prepare for homeownership. We do not approve loans and do not replace mortgage lenders.

Pricing varies by service and is clearly disclosed upfront. There are no hidden fees.

Yes. You have the legal right to dispute inaccurate information at no cost. Our services provide strategy, education, and time savings for those who want guidance.

• Education-first approach
• Compliance-based strategies
• No illegal shortcuts
• DIY + full-service options
• Realistic expectations
• Client empowerment
  

We don’t sell miracles—we teach systems.

Start with a credit consultation or analysis to determine the best path forward.

Consumer Rights Notice (CROA Compliance):

• You have the right to dispute inaccurate information on your credit report without assistance.
• Honey’s Financial Services / Credit With Que is not a law firm and does not provide legal advice.
• We do not guarantee deletions, credit score increases, approvals, or funding.
• Results vary based on individual credit profiles and financial behavior.
  

Fair Credit Reporting Act (FCRA):
All services are performed in accordance with the Fair Credit Reporting Act (15 U.S.C. §1681).

Credit Repair Organizations Act (CROA):
Services comply with the Credit Repair Organizations Act (15 U.S.C. §1679).