Credit repair

Law Info – Know Your Rights

Understanding your rights is the first step to taking control of your credit. At Positive Productivity, we follow the guidelines set by powerful federal laws that protect your credit profile:

Fair Credit Reporting Act (FCRA)

The FCRA gives you the right to dispute inaccurate, incomplete, or unverifiable information on your credit report. Credit bureaus are legally required to investigate and respond within 30 days.

Fair Debt Collection Practices Act (FDCPA)

The FDCPA protects consumers from abusive or unfair practices by debt collectors. If a debt collector has violated your rights, you may be able to remove certain items from your report.

Credit Repair Organizations Act (CROA)

This law ensures all credit repair companies provide honest, transparent services. At Positive Productivity, we strictly comply with CROA, offering clear pricing, no false claims, and a cancellation-friendly policy.

Smart Dispute Letter Creation

Say goodbye to confusing templates and generic forms.
Our AI-Powered Dispute Letter Generator makes it easy for you to create professionally written, personalized dispute letters in seconds.
  • Choose the type of dispute (late payment, collections, inquiries, etc.)
  • Enter your details and select the creditor or bureau
  • Instantly receive a customized letter ready to send
Save time, reduce errors, and increase the chances of item removal — all with the power of AI.
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FAQ

Every case is different, but most clients begin to see results within 30–90 days. The full process can take 3 to 6 months or more, depending on the number of disputes and credit issues.

Yes, legally you can. But many people choose Positive Productivity to save time, avoid stress, and benefit from expert strategies that produce faster, more reliable results.

Not always. While reducing debt helps over time, your score depends on many factors like credit utilization, payment history, and account age.

No ethical company can promise a specific number, but we do guarantee honest service, proven strategies, and dedicated support.

Absolutely. Credit repair is 100% legal under the FCRA, and we operate fully within all laws and regulations.