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Frequently Asked Questions

  • + How long before I see results?

    It's a pretty normal question to ask: how long is this going to take? The honest answer is that it depends -- on your goals, your situation and how much work you need done. That's actually one of the best parts of CreditRepair.com -- they look at you as an individual and build your own personal Game Plan accordingly. Your Game Plan focuses on the areas that will make the most impact-- and helps the CreditRepair.com experts get to work quickly to make sure your creditors are being responsible regarding the information they're reporting about you.

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  • + What if all my negative items are accurate?

    As you're looking over your credit situation, a question pops up: what if most or even all of my negative items are accurate? Will credit repair still work for me? Well, there are more opportunities for change and growth than you might think. Here's why. Creditors sell very critical information about you every day. It's information that can affect almost everything in your life, from your car payment to your house to your job. So, it's important to make sure that that information is as substantiated, timely, accurate and fair to you as absolutely possible. A lot goes into these definitions. This is where the CreditRepair.com experts come in. It's their job to help you assess the items on your credit report and then intervene with your creditors to help uphold these standards regarding the information they report about you to the bureaus. So, see what the process can do for you. It might surprise you how much is possible.

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  • + Can you help while I'm going through a bankruptcy?

    It might seem like thinking about credit repair while you're going through a bankruptcy is kind of like putting the cart before the horse. But it's actually one of the best things you can think about--and, yes, it may help in a few very important ways. When someone files for bankruptcy, it's easy for revised items to slip through the cracks or be reported incorrectly. When this happens, the impact on your credit score can be more devastating and linger longer than it should. With the CreditRepair.com experts, you have a team who knows all about the credit system helping to make sure that everything is appearing correctly and being removed when it should be. And when you're dealing with something like bankruptcy, it feels good to know that experts who are skillful and trustworthy are looking out for you.

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  • + Is credit repair worth it? Why?

    To know whether credit repair is worth it, you just have to look at what your credit impacts. These days, it seems like it's just about everything. When you start realizing how far it goes, it's easy to do a little math. Not having ideal credit can cost you thousands and thousands of dollars over the course of a home or car loan. It can keep you from getting insurance coverage or even a job. It can make even everyday needs and decisions more difficult.

    When you compare this to the confidence and assurance of feeling in control of your credit situation and the opportunities that brings, the value of credit repair can seem pretty priceless. Luckily, having the experts at CreditRepair.com working to help you tackle your credit issues costs only $99.95 a month. It's a pretty great value that may impact a lot of the things you value most.

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  • + Do you offer debt settlement?

    CreditRepair.com focuses upon how your credit reports look. In other words, they work to help you safeguard your financial reputation so that you can get the credit you deserve. On the other hand, debt settlement companies offer something very different – they negotiate with your creditors to create payment plans. Sadly, sometimes those debt negotiators can make your credit reports look even worse. Credit repair is unique. Rather than settling your debts, they work to help ensure that problematic negative items on your credit report are substantiated, relevant, accurate and reported fairly. And they work hard to help get them removed when those standards are not met.

    With CreditRepair.com, the answer's in the name: they're the experts in credit repair and in helping to defend your financial reputation and overall creditworthiness.

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  • + What are the costs associated with your service?

    As valuable as the possibility of better credit is, the cost to start taking control of it is simple: it’s $99.95 per month. Separate from the service, there is a one-time charge of $14.99 to pull your credit report for you. There will never be any additional costs or fees - it’s that straightforward.

  • + Can we communicate through Email?

    We are here for you throughout your credit-repair experience. You can always email us with any questions you have. We’ll get back to you promptly so that you can always keep moving forward.

    If you are not already a member of CreditRepair.com and have questions about the service email us at info@creditrepair.com. If you are a member and have questions about your account email us at memberservices@creditrepair.com.

  • + Where are your offices located, do you have an office in my area?

    We are based in Seattle, Washington with a few offices throughout the country. However, our advisors are available by phone or email enabling us to help clients all over the country without having to have an office in your area.

  • + What are the hours I can speak with a CreditRepair.com Advisor?

    Sometimes you just want to talk to somebody – to ask questions, get encouragement or understand the process better. And we’re here to talk to you, during the following hours:

    Call 1-800-445-8540
    M-F   8 AM to Midnight EST
    Sat   9 AM to 7 PM EST
    Sun   11 AM to 7 PM EST

    Already a Member? Call 1-800-232-6499
    M-F   8 AM to 10 PM EST
    Sat   10 AM to 7 PM EST
    Sun   Closed

  • + What is the Fair Credit Reporting Act and why was it created?

    The Fair Credit Reporting Act (FCRA) was written in 1970 as an amendment to the Consumer Credit Protection Act. The FCRA provides additional measures of consumer protection in the areas of fairness, accuracy, and privacy of the information collected by the credit bureaus. It also allows you to personally engage in credit repair and maintenance processes, verifying that the information in your credit report is correct.

    What is the Fair Credit Reporting Act and why was it created?

  • + What are the three credit bureaus?

    A credit bureau - sometimes called a "consumer reporting agency" - is a business that collects relevant consumer information from creditors and courthouses, and then sells that information to interested parties such as potential lenders. Such information is sold in the form of a credit report. In the U.S., the three major credit bureaus are TransUnion, Experian, and Equifax.

    What are the three credit bureaus?

  • + What is a charge off and how do I remove or fix them on my credit report?

    When an account is unpaid for more than 180 days, a creditor usually writes off the debt as a loss on their financial statements. This is known as a charge off. Once a debt is charged off, it is either transferred to an in-house collections department or sold to a third-party collection agency who will likely contact you in attempt to recoup the balance.

    What is a charge off and how do I remove or fix them on my credit report?

  • + How long does it take to fix bad credit?

    There is no fast and easy answer to this question. The time it takes to repair your credit is completely dependent upon your personal situation. In that regard, Creditrepair.com values each member's unique situation and provides customized Game Plans to suit varying member needs. We work with you quickly to...

    How long does it take to fix bad credit?

  • + What is a credit repair company and how can they help you?

    Although you have the ability to repair your credit alone, seeking the help of an experienced credit repair company is an option. A worthy advocate is defined by their actions. A good credit repair company will help you...

    What is a credit repair company and how can they help you?

  • + How long do negative items stay on your credit report?

    It's a common myth that negative items must remain on your credit report for a minimum number of years. In fact, there is no minimum timeframe. Creditors control the information they provide to the credit bureaus. They can also choose to remove negative items as well...

    How long do negative items stay on your credit report?

  • + Why is credit repair important?

    Credit affects every area of life. When your credit is bad, it follows that your life may face similar hardships in the areas of...

    Why is credit repair important?

  • + How much does credit repair cost?

    Make no mistake-bad credit comes at a cost. Credit affects every area of your life, from your ability to buy a house to the way potential employers view your application. Those living with bad credit understand the challenges it causes, including...

    How much does credit repair cost?

  • + Where can I fix my credit score?

    Several laws provide consumers the ability to question creditors regarding accounts that are ultimately reported to the credit bureaus. Everything appearing within a credit report must meet three consumer protection standards: Information must have been fairly reported, entirely accurate, and fully substantiated...

    Where can I fix my credit score?

  • + Can I get a loan with bad credit?

    While bad credit does limit your borrowing options, it may still be possible to find a loan with bad credit . However, the question remains, is a bad credit loan worth the disadvantages it carries...

    Can I get a loan with bad credit?

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