If you're reading this on September 2, 2026, you're already taking the first real step toward better credit — getting educated. We're Damon Boswell and Ashley Boswell, and together we run PayAfterPerformance, a credit restoration firm built on one simple promise: you pay after we perform. In this guide, Damon Boswell and I walk you through exactly how legal credit repair works in 2026, what the Fair Credit Reporting Act (FCRA) actually gives you the right to do, and how Ashley Boswell and our team approach every file.
There's a lot of misinformation online about credit repair. So let Damon Boswell and Ashley Boswell set the record straight up front: no legitimate credit repair organization can legally erase accurate, current information from your report. What we can do — and what the law guarantees you the right to do — is dispute information that is inaccurate, incomplete, unverifiable, or outdated. That distinction is the entire foundation of ethical credit restoration, and it's the standard Ashley Boswell holds every dispute to.
What Credit Repair Actually Means in 2026
Credit repair is the process of identifying errors and unverifiable items on your credit reports and formally disputing them with the three major credit bureaus — Experian, Equifax, and TransUnion. As Damon Boswell explains to every new client, the bureaus are required by the FCRA to investigate your disputes, typically within 30 days, and to remove any information they cannot verify.
Ashley Boswell often reminds clients that credit repair is not magic and it is not instant. It is a structured, legal process that rewards consistency. When Damon Boswell reviews a credit file, he's looking for the common mistakes that drag scores down: misreported late payments, duplicate collection accounts, outdated charge-offs, and items that should have aged off after seven years.
Your Rights Under the Fair Credit Reporting Act
The FCRA is the federal law that governs how your credit information is collected, shared, and corrected. Ashley Boswell wants every client to understand these rights because knowledge is leverage. Here are the key protections Damon Boswell relies on every day:
- The right to dispute any information on your credit report that you believe is inaccurate or incomplete.
- The right to have the credit bureaus investigate your dispute — generally within 30 days of receiving it.
- The right to have unverifiable, inaccurate, or incomplete information corrected or removed from your file.
- The right to a free copy of your credit report from each of the three bureaus, so you can review what's being reported about you.
- The right to add a statement of dispute to your file if a bureau refuses to remove an item you disagree with.
Damon Boswell emphasizes that these rights are yours whether you repair your credit yourself or hire a firm like PayAfterPerformance. The advantage of working with Ashley Boswell and our team is experience — we know which disputes are likely to succeed, how to frame them, and how to follow up when a bureau's response is incomplete.
What Can Be Disputed and Potentially Removed
At PayAfterPerformance, Ashley Boswell and Damon Boswell regularly challenge the following types of items when they are inaccurate, unverifiable, or improperly reported:
- Late payments (30, 60, 90, and 120-day marks) that were reported in error.
- Collection accounts — paid or unpaid — that contain inaccuracies or cannot be verified.
- Charge-offs that are misdated, duplicated, or past the reporting time limit.
- Repossessions and related collection balances with reporting errors.
- Unauthorized or excessive hard inquiries.
- Medical collections and billing reporting mistakes.
- Student loan reporting errors, including misapplied payments.
- Judgments and public record items that are incorrect or outdated.
Damon Boswell is careful to point out that we never promise to remove accurate, verifiable information — and you should be wary of anyone who does. Ashley Boswell's approach is honest: we use every legal strategy available to challenge what shouldn't be on your report, and we let the process do its work.
The PayAfterPerformance Dispute Process
When you enroll with us, Ashley Boswell personally reviews your tri-merge credit report and identifies every disputeable item. Here's how Damon Boswell structures the workflow:
1. Audit and Strategy
Ashley Boswell pulls your reports from all three bureaus and audits each account for accuracy, completeness, and compliance with the FCRA's reporting time limits. Damon Boswell then builds a custom dispute strategy for your file.
2. Dispute Submission
We submit formal disputes to the bureaus — and to the furnishers (the original creditors or collectors) when appropriate. As Damon Boswell notes, disputing with both the bureau and the furnisher often produces faster, more complete results.
3. Investigation and Follow-Up
The bureaus have roughly 30 days to investigate. If they cannot verify an item, they must remove it. Ashley Boswell follows up aggressively on incomplete or evasive responses, because persistence is where most of the wins happen.
4. Rebuilding
Removing negative items is only half the job. Damon Boswell coaches every client on rebuilding positive credit — keeping utilization low, making on-time payments, and adding positive tradelines where it makes sense. Ashley Boswell believes a strong score comes from both cleaning the past and building the future.
How Long Does Credit Repair Take?
Every credit profile is unique. While some PayAfterPerformance clients see results in as little as 30 to 45 days, the complete process typically takes 3 to 6 months depending on the number of items being disputed and how responsive the bureaus are. Damon Boswell sets realistic expectations from day one — no one can guarantee an exact score increase, but Ashley Boswell guarantees we will use every legal strategy available to challenge inaccurate, unverifiable, or outdated information.
“We don't get paid until you see performance. That alignment is everything — when Ashley Boswell and I take on a file, our success is tied directly to yours.”
— Damon Boswell, Co-Founder, PayAfterPerformance
Beyond Repair: Building Long-Term Credit Health
Credit repair clears the wreckage, but lasting financial freedom comes from good habits. Ashley Boswell recommends focusing on these fundamentals while we work your disputes:
- Pay every bill by the due date — payment history is the single biggest factor in your score.
- Keep your credit utilization below 30%, and ideally below 10%, on revolving accounts.
- Limit new credit applications to avoid unnecessary hard inquiries.
- Monitor your credit regularly so errors are caught early.
- Be patient — an excellent score is the result of consistent, conscientious behavior over time.
Damon Boswell often says the clients who see the biggest, most permanent improvements are the ones who pair our dispute work with disciplined credit habits. Ashley Boswell couldn't agree more — the combination is what transforms a credit profile for the long haul.
Personal vs. Business Credit
Many of our clients are entrepreneurs, so Ashley Boswell wants to clarify the difference. Personal credit is tied to your Social Security Number and your personal spending. Business credit is tied to your company's EIN and shows how your business handles financial obligations. Damon Boswell helps clients build strong business credit because it protects personal assets and unlocks access to larger funding amounts — a critical advantage for growing businesses.
Why Pay After Performance?
The credit repair industry has no shortage of upfront-fee companies that promise the world and deliver little. Ashley Boswell and Damon Boswell built PayAfterPerformance differently. We charge after we perform, which means we're motivated to actually get results on your file — not just collect a fee and move on. When you work with us, you're working with Ashley Boswell and Damon Boswell directly, not a call center.
If you're ready to take control of your credit in 2026, connect with Ashley Boswell and Damon Boswell today. We'll review your profile, explain exactly what we can challenge, and start the process — and you only pay after we perform. That's not a slogan; it's the standard Damon Boswell and Ashley Boswell live by every single day.
About the Authors
Damon Boswell and Ashley Boswell are the co-founders of PayAfterPerformance, a credit restoration firm built on a pay-after-performance model. Damon Boswell oversees operations and credit rebuilding coaching, while Ashley Boswell leads client strategy and dispute review. Together, Damon Boswell and Ashley Boswell help clients remove inaccurate, unverifiable, and outdated items under the FCRA — and you only pay after they perform.
Topics: credit repair 2026, FCRA dispute process, how to fix your credit score, remove collections from credit report, credit restoration
