Credit repair is the process of identifying inaccurate, incomplete, outdated, or unverifiable information on your credit report and disputing it through compliant, lawful methods. DRIVYN focuses on precision auditing, strategic dispute planning, and education to help restore financial confidence.

Yes. Credit repair is fully legal under the Fair Credit Reporting Act (FCRA). Consumers have the right to dispute inaccurate or unverifiable information, and credit bureaus are required to investigate. DRIVYN Solutions operates in full compliance with CROA, FCRA, FTC, and TSR regulations.

Most clients begin to see movement within 30–90 days, but full transformation timelines vary based on:

• The complexity of the report and disputes

• The number of negative items

• The bureaus’ response times

• Client financial habits

• How consistently monitoring stays active

Every case is unique — but we give you realistic expectations from day one. Credit repair is a process — not an overnight fix.

Every credit profile is unique. Results depend on:

• What’s reporting

• Accuracy of creditor data

• Bureau response times

• Type and age of negative items

• Client participation (monitoring, paying bills on time, etc.)

DRIVYN uses a customized, precision-based approach for every client.

Yes — when done correctly. Accurate credit reports can lead to:

• Better interest rates

• Lower monthly payments

• Access to financing

• Lower insurance premiums

• More financial opportunities

Our service helps restore confidence and long-term financial health.

We operate with precision, compliance, and transparency. Every dispute is researched, documented, and aligned with federal laws. We don’t use shortcuts, templates, or guesswork — we use strategy.

We address unverifiable, inaccurate, outdated, or incomplete information such as:

• Collections

• Charge-offs

• Late payments

• Repossessions

• Bankruptcies

• Foreclosures

• Inquiries

• Public records

• Tax liens

• Judgements

• Student loan derogatories

• Medical collections

All removals must align with FCRA guidelines.

No. You are never billed until:

• Your client agreement is signed, and

• We have completed your audit and first round of dispute work

This follows federal CROA and TSR regulations.

No legitimate or compliant credit repair company can guarantee removals and results.

What we do guarantee is:

• Full transparency

• No upfront fees

• Precision auditing

• A compliant, strategic, documented process

• Real education

• Measurable effort

Your results depend on the bureaus and creditors — not false promises.

We offer:

• Standard Plan: $199 onboarding + $100/month

• Couples Plan: $350 onboarding + $175/month

Billing begins only after services are performed, in compliance with CROA.

Yes — you may cancel anytime according to your Client Agreement.

Refund eligibility is based on your Client Agreement and whether services were completed.

Yes. We require an active 3-bureau monitoring service so we can:

• Conduct your audit

• Track real-time changes

• Verify corrections

• Identify new issues

It’s required for your audit, dispute strategy, and monthly progress tracking.

We update clients every month as bureau responses come in.

Your responsibilities:

• Keep monitoring active

• Send any bureau mail you receive

• Follow our credit-building recommendations

• Make on-time payments

• Avoid new debt when possible

Not without guidance — some payments can make disputes harder. We will advise case-by-case.

The act of disputing does not lower your score. The positive impact comes from:

• Removing inaccurate negative items

• Reducing balance errors

• Updating outdated information

Some clients see improvements quickly, while others see gradual changes. Credit repair is a process, not a single action — but every step moves you forward.

Common causes:

• Increased credit utilization

• New inquiries

• New late payments

• Updated balances

• Lowered average account age

We help clients understand score behavior.

Absolutely — and we support that. But most people prefer a compliance-based professional process that’s structured, documented, accurate, and less stressful. We save you time, errors, and risk.

Yes — DRIVYN provides consulting services for personal and business funding readiness.

We reassess, re-audit, and take action depending on bureau response and documentation.

We provide:

• Credit builder product recommendations

• Post-repair financial education and planning

• Budgeting strategies

• Credit maintenance strategies

• Funding preparation and readiness training

• Business credit guidance

Your journey doesn't end — it evolves.

• FICO is used by 90% of lenders.

• VantageScore is used by many monitoring services.

Both can differ depending on score version and data.