Frequently Asked Questions

Is credit repair legal?

Absolutely! The Fair Credit Reporting Act of 1970 acts a consumer protection law that includes many statutes. The bottom line to this federal law allows for the consumer to dispute any and all items on their credit report that are inaccurate, outdated, misleading or cannot be verified in a reasonable amount of time (which is 30 business days).

Can I repair my own credit or do I have to pay to have this done?

Credit repair is a service you can perform yourself. In fact it is highly recommended by consumer advocate agencies that credit repair can and should be performed by consumers on their own behalf. It is also highly recommended that a person should monitor their own credit files to ensure they haven’t fallen victim to identity theft.

Why don’t more people repair their own credit?

I’d have to say it simply breaks down to a lack of time and know how. Most people’s overwhelming and demanding schedules do not allow for the time necessary to perform their own credit repair. Credit repair can be tedious, time consuming and downright frustrating. Many people find it difficult to allot the time necessary to sit and write dispute letters. Even if consumers can find the time, knowing how to properly format a dispute letter to achieve maximum results, in many cases, proves frightening to the consumer. These are some of the major reasons why it has become common place for consumers to pay large sums of money to outside agencies for services they can actually do themselves.

How long can accurate/derogatory information remain on my credit report?

The basic guideline or rule of thumb is that information regarding revolving accounts and installment accounts generally remains on the credit file for up to 7 years from the date of last activity. Judgments can remain up to 7 years or until the statute of limitations runs out. In the case of Bankruptcies the time frame is up to 10 years. Please keep in mind that post Bankruptcy is a good time to monitor your credit report to ensure that the information in your credit file is being accurately reported. If the information in your credit report is valid and accurate, than either special arrangements with the creditor or the passage of time may be your only avenues towards the removal of the derogatory information.

How long should the process of repairing my own credit normally take?

There are various key factors that may come into play which should help answer this question. For example, how many items are being disputed and who are your disputes with. Other key factors can include whether or not you as the consumer have the proper documentation to support your claim and does the letter you send out include all the necessary information including the accurate account numbers. If you feel you have not received a satisfactory response to your valid claim you do have the right to repeat the process. Many people find themselves frustrated at the time they have spent trying to manually compose the proper letters required to complete the task at hand. Consumers often discontinue the process even though their claims ultimately are valid. It is not uncommon for the disputation process to continue upwards of 6 months to a year. Having continuing access to the automated system may prove beneficial in your efforts to achieve desired results.

What if the credit reporting agencies choose not to respond?

In the event this proves to be the case, you should send a follow up letter (all letters should be sent certified mail) reminding them that you are expecting them to honor your rights as a consumer and that they are obligated by law to research and respond your dispute in a timely manner. Manually disputing items on your credit report requires patience and persistence. The credit reporting agencies are bound by Federal Law to ensure the information they are reporting is accurate and not outdated. Once again, having continuing access to the automated system may prove beneficial in your efforts to achieve desired results.

Why should I use

We provide you with unlimited free credit dispute letters. You have available to you a full menu of over 100 dispute specific letters to choose from. Once your personal information has been entered into the system you will never have to do it again. For the length of your enrollment, producing credit fix letters will be as easy as Click, Print and Send!

How do I get started? will prove to be the tool needed to "Let The Fixin Begin".

What Else Can I Do To Improve My Credit?

Actually Since you have already taken the first step in the "Do It Yourself" credit repair process by visiting us at , we would like to say thank you. We realize that bad things happen to good people everyday so if you are one of the millions of people who find themselves suffering in today’s “Credit Crunch” economy, our hope is that, there are some very important things you can do to help improve your credit score. While you strive to remove as much derogatory inaccurate information as possible (and remember, this is not an overnight process), there are also some very basic steps you can take to help improve your credit score. The FICO (Fair Isaac Company) score is a very complex calculation derived from everything that appears on your credit report (please see our “User Friendly Guide to Credit Scoring”). It is all calculated at the computer banks of the Credit Bureaus. You are dealing with three different companies so this is why you will see three different credit scores. Although they all (Equifax, Experian, and Transunion) follow similar scoring standards, not all creditors report the same to each of the Credit Repositories. But the good news is that if you implement some or all of the recommendations as listed below, you can be well on your way to a much improved credit score. 1) If you are without any positive credit on your credit report then you must establish positive credit as soon as possible. Even if you may require starting with a secured credit card. 2) Pay bills early or at least, on time. 3) Never use over 50% of your revolving credit limits. 4) Minimize credit inquiries.