FAQ
Frequently Asked Questions
Yes, we comply fully with both the Credit Repair Organizations Act (CROA) and the Fair Credit Reporting Act (FCRA).
We follow all legal guidelines to ensure transparency, accuracy, and fairness throughout the credit repair process. Our goal is to protect your rights while helping you improve your credit the right way.
No, we are not attorneys. However, legal help is not required to repair credit. We use proven, legal strategies to challenge inaccurate or unverifiable items with the credit bureaus.
We offer three credit repair packages, each designed to meet different levels of service based on your credit goals. However, we understand that every credit situation is different, that’s why we can tailor-fit a plan to meet your specific needs and budget.
In some cases, clients don’t need full credit repair. Instead, they may benefit more from a strategic credit-building plan. For example, some clients have never established credit before, while others have repaired their credit and are simply looking to rebuild and strengthen their credit profile. We’re here to guide you with the right tools, resources, and personalized support and no matter where you’re starting from.
There are no hidden fees and no long-term commitments—just honest, customized service designed to help you reach your financial goals.
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Credit repair is legal in all 50 states, though some states have strict regulations. We follow all state-specific laws and remain fully transparent about our services and fees.
How Credit Repair Works
We analyze your credit reports, identify inaccurate or negative items, and send dispute letters to credit bureaus and creditors on your behalf. We then follow up and adjust our strategy based on responses.
- Free consultation and credit review
- Credit monitoring setup
- Customized dispute plan
- Sending out disputes
- Monthly follow-ups and updates
- Ongoing support and education
We challenge inaccurate or unverifiable:
• Late payments
• Collections
• Charge-offs
• Repossessions
• Bankruptcies
• Judgments
• Hard inquiries
• Public records
Accurate and verifiable negative items—even if they hurt your score—cannot be removed until they expire based on credit reporting time limits.
Here are a few examples of items that cannot be removed if they are accurate and verified:
- Late payments (reported correctly)
- Collections or charge-offs (still within the 7-year reporting period)
- Bankruptcies (reported correctly within 7–10 years)
- Student loans, foreclosures, or repossessions (if accurate and legally reported)
- Open or closed accounts with accurate negative history
We can, however, help you dispute inaccurate information, negotiate resolutions, and build a strategy to offset the damage with positive credit-building tools.
Accurate and verifiable negative items—even if they hurt your score—cannot be removed until they expire based on credit reporting time limits.
Here are a few examples of items that cannot be removed if they are accurate and verified:
- Late payments (reported correctly)
- Collections or charge-offs (still within the 7-year reporting period)
- Bankruptcies (reported correctly within 7–10 years)
- Student loans, foreclosures, or repossessions (if accurate and legally reported)
- Open or closed accounts with accurate negative history
We can, however, help you dispute inaccurate information, negotiate resolutions, and build a strategy to offset the damage with positive credit-building tools.
Timeline & Expectations
The full process usually takes 3 to 6 months, but timing depends on the number and complexity of the items on your report.
Most clients see initial changes within 30 to 45 days, though complete results may take longer as bureaus respond.
Results vary. Some clients finish in 3 months; others may take longer depending on their specific situation.
It can. Removing negative items and improving your credit profile can lead to higher scores—especially when paired with smart financial habits.
Results vary by individual. Some clients see increases of 50 to 100+ points. We can't guarantee a specific score boost.
Your Role as a Client
- Keep IdentityIQ Active – Stay enrolled in IdentityIQ during the credit repair process. If canceled, we can’t access your report or continue working.
- Avoid New Credit Pulls – Don’t apply for new credit unless it’s an emergency. Contact us first if needed.
- New Negative Items = Extra Fees – Any new negative accounts or inquiries not in your original quote may result in added fees (optional to remove).
- Avoid New Negative Accounts – Keep your credit clean while we’re working.
- Make On-Time Payments – Always pay your accounts on time to avoid setbacks.
- Stay in Touch – Good communication helps us help you better.
- Use Less Credit – Keep credit card usage under 30%, ideally around 10%.
- Send Us Updates – Provide updated reports or documents when requested.
Yes, we’ll pull your credit reports from IdentityIQ, a secure third-party credit monitoring service we recommend. This allows us to work with real-time data and helps our company accurately track changes to your credit report throughout the repair process.
Credit Monitoring
Yes. It's essential for tracking progress, detecting changes, and ensuring disputes are based on the most accurate information.
You’ll need it for the duration of the credit repair process. Afterward, it’s your choice to continue or cancel.
Most services update monthly. Keep it active so we can track and adjust our dispute strategy in real time.
Because We Care About Your Success
We’ve partnered with IdentityIQ to provide you with a special referral code that gives you credit monitoring for just $1 for the first 7 days. After the trial, it’s only $27/month (plus taxes) to continue receiving full access to your credit reports and scores from all three major bureaus.
Typical credit monitoring services range from $19.99 to $29.99/month, but IdentityIQ offers real-time updates, security alerts, and comprehensive monitoring, helping us help you stay on track with your credit goals.
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- $1 Trial for 7 Days
Get started for just $1 to access all your credit data. - Monthly Credit Reports & Scores
Receive updated credit reports and scores from all three major bureaus: Experian, Equifax, and TransUnion. - Daily Credit Monitoring Alerts
Stay notified of any changes to your credit profile such as new inquiries, accounts, late payments, or changes in balances. - Identity Theft Protection
Includes identity theft monitoring, alerts, and up to $1 million in stolen identity insurance. - Dark Web & Internet Monitoring
Scans the dark web and black market websites for your personal information such as Social Security number, bank account numbers, and email addresses. - Score Tracker
Track how your credit score changes over time and monitor your progress. - Public Records Monitoring
Alerts you of any bankruptcies, liens, or judgments that may appear in your name. - Access to Up to 12 Reports Annually
Review your credit reports monthly to ensure accuracy and track improvement. - Secure Online Portal
View all your credit data in one place with easy-to-read charts and reports. - Real-Time Support for Credit Repair
Enables your credit repair specialist to work with the most current and accurate data when disputing items or updating your profile.
- $1 Trial for 7 Days
Payments, Cancellations & Refunds
While we can’t guarantee results, we do have a fair refund policy. If no disputes are processed or results delivered in the agreed timeframe, you may qualify for a partial or full refund.
You’re paying for our time and effort, not specific deletions. If we’ve fulfilled our service agreement, individual item outcomes do not qualify for a refund.
Absolutely. Our service is month-to-month with no long-term commitment. Just provide written notice before your next billing date.
Credit Education
Yes, you can check your credit for FREE. You’re entitled to one FREE credit report every 12 months from each of the three major credit bureaus—Equifax, Experian, and TransUnion—through AnnualCreditReport.com. However, keep in mind that while this site provides your credit reports, it does NOT include your credit scores from the major Credit bureaus: Equifax, Trans Union and Experian.
The free reports from AnnualCreditReport.com provide a one-time, yearly snapshot of your credit history and do not include your credit scores. In contrast, SmartCredit offers ongoing benefits such as daily credit monitoring, real-time alerts, access to all three credit scores, identity theft protection, and interactive tools to track and improve your credit. The monthly fee gives you consistent access and proactive protection that a once-a-year report simply can’t provide.
It’s a trusted credit monitoring service that gives you access to all 3 credit bureaus—Experian, Equifax, and TransUnion. You’ll get real-time alerts, identity theft protection, and tools to track your credit progress. Plus, it helps us fix your credit faster by working with the most up-to-date info.
Try it for just $1 for 7 days using our referral link:
https://member.identityiq.com/sc-securepreferred.aspx?offercode=4312938B
