JP
Writer profile
Justine P.
Credit education writer
Justine P. writes Credit Polaris education guides. Her work explains credit reports, disputes, and consumer-credit processes in plain language, with primary sources listed on each guide.
Published guides
Education by Justine
- 609 letters: what they are and whether they work
- AI credit repair tools and dispute letter generators: do they work?
- Best credit repair companies: how to rank them (not a paid list)
- Can a credit repair company remove a bankruptcy or foreclosure?
- Can a credit repair company see my full credit report?
- Can a lender or landlord tell you used credit repair?
- Can you dispute accurate negative items? (And should you?)
- Can you do credit repair during an active Chapter 13?
- Can you repair your credit yourself for free?
- Cease and desist letters for debt collectors
- CFPB complaints for credit report problems
- Cheapest credit repair that actually works
- Common credit repair scams and tactics
- Credit dispute process FAQ: top questions answered
- Credit lawsuit FAQ: suing bureaus, collectors, and furnishers
- Credit repair after bankruptcy
- Credit repair companies that actually work: what results to expect
- Credit repair company FAQ: how they work, timeline, and legality
- Credit repair cost calculator: is it worth the money?
- Credit repair cost FAQ: deposits, refunds, contracts, and billing
- Credit repair cost tools FAQ: calculators and estimators
- Credit repair dispute FAQ: questions people also ask
- Credit repair FAQ: top questions answered
- Credit repair for bad or very poor credit: where to start
- Credit repair for buying a house: how to get mortgage-ready
- Credit repair for collections, charge-offs, and late payments
- Credit repair for removing collections: what actually works
- Credit repair for renters (apartment approval)
- Credit repair for self-employed & gig workers
- Credit repair guarantees explained
- Credit repair mistakes to avoid
- Credit repair near me: finding local help
- Credit repair readiness: should you DIY or hire?
- Credit repair scam red flags
- Credit repair software vs. a service
- Credit repair success rate: what "removed" really means
- Credit repair to buy a car: how to get auto-loan ready
- Credit repair vs. credit builder apps
- Credit repair vs. debt settlement
- Credit utilization FAQ: common questions answered
- Debt validation letters: demand proof of a debt
- Debt validation vs. bureau dispute: when to use each
- DIY credit repair vs. hiring a service
- Do credit repair companies help lower credit utilization?
- Do credit repair companies just send dispute letters?
- Do credit repair companies really work? The honest answer
- Does a credit monitoring service hurt your credit score?
- Does carrying a balance help your credit score?
- Does checking your own credit score lower it?
- Does disputing credit report items hurt your credit score?
- Does high utilization have memory on your credit score?
- Does hiring a credit repair company hurt your credit score?
- Does paying a collection remove it from your credit report?
- Does requesting a credit limit increase hurt your score?
- Does settling a debt hurt your credit score?
- Free dispute letter templates
- Free vs. paid credit repair
- Goodwill letters: how to ask for removal
- How credit repair companies charge: monthly, pay-per-delete, and flat fee
- How does credit repair work? A step-by-step guide
- How long do hard inquiries stay on your credit report?
- How long does a charge-off stay on your credit report?
- How long does credit repair take?
- How long until credit repair pays for itself?
- How many times can you dispute the same item on your credit report?
- How much can credit repair raise your score (realistic results)?
- How much does credit repair cost?
- How to choose a credit repair company
- How to dispute a hard inquiry you don't recognize
- How to dispute credit report errors
- How to read credit repair reviews
- How to read your credit report
- How to switch credit repair companies without losing progress
- In-person vs online credit repair: which is better?
- Is a free credit repair trial or free score check actually free?
- Is credit repair a one-time fix or an ongoing service?
- Is credit repair legal? What the law says
- Is credit repair worth it? An honest breakdown
- Is credit repair worth the cost?
- Is medical debt back on credit reports in 2026?
- Is the CFPB still taking complaints in 2026?
- Method of verification (MOV) after a verified dispute
- Nonprofit credit counseling vs. credit repair
- Pay-for-delete: does it work?
- Portal vs. mailed credit disputes
- Rapid credit repair: how fast is realistic?
- Statute of limitations for FCRA and FDCPA lawsuits
- Statute of limitations on debt (time-barred debt)
- The dispute escalation ladder (bureau to lawsuit)
- What a 6-month credit repair engagement actually looks like
- What credit repair can and cannot do
- What do you get for the money? Credit repair services explained
- What does $99/month credit repair actually get you?
- What happens if you stop paying a credit repair service?
- What happens in your first month of credit repair?
- What to expect when you hire a company
- Why does an account show on one credit report but not another?
- Why is my utilization high when I pay my card in full every month?
- Will a credit repair company dispute accurate items on my behalf?
- Your rights under the FCRA and CROA