Most of our clients will begin seeing positive results within 45 days after we receive their credit reports. Frankly speaking, our money back guarantee is such that we want you to see positive results as soon as possible.

Obviously, everyone’s credit situation is completely different, so how long it takes for you to achieve your expected results depends on the nature of your case, the number of questionable credit items on your reports, your participation in getting credit reports to us, and the level of credit bureau and/or creditor cooperation. We will do our part, the auditing, creating investigation requests and challenging of your reports, usually within 72 hours from the date we receive them. Most of the wait-time after that is usually spent waiting for the credit bureaus or creditors to respond.

On average, most of our clients have obtained the desired result by the eighth month. Keep in mind that we may not challenge all negative inaccurate, misleading, unverifiable, outdated and obsolete items simultaneously. We have found that in some cases, doing so would be less effective and may raise flags with the credit bureaus. Our expert knowledge in how to prepare proper investigations that can pass the credit bureaus’ screening process and will receive the attention necessary for our desired results is just one of the many competitive advantages we maintain at Credit Repair Consultants.

Bankruptcies are routinely removed from our clients’ credit reports, as well as a vast array of items included in bankruptcy.

Although we are prohibited from guaranteeing the specific results of a specific account, we can tell you that we have removed thousands of bankruptcies in the past, just as the examples above show.

Absolutely! It is because it is legal that we are able to do what we do, for we use the laws that protect you, the consumer, and that regulate the credit bureaus and the companies that furnish information to them to accomplish our work. You are given certain rights under the Fair Credit Reporting Act and other laws, and we offer our experience, expertise and services to help you assert these rights.

The credit bureaus would like to have you think otherwise, but the truth is that the Congress, when enacting the Credit Repair Organization Act stated that consumers have a “right to seek help from Credit Repair Organizations”.

No. In accordance with federal regulation, Credit Repair Consultants charges only for services after we have already performed them for you.

Yes! Our commitment to you and to exceptional service is such that we do not believe that we should be paid unless negative/bad credit items have been removed from your credit reports.

Simply put, if negative item(s) are not removed from your credit report in the first 120-days or less, you are entitled to a full refund of your application enrollment fee, minus the $45.00 cost of ordering your reports.Seventy percent of credit reports contain information that is inaccurate, incomplete, unverifiable, misleading or obsolete. Our vast knowledge and experience in the laws related to credit repair allows us to have these questionable items deleted from your credit reports. However, it is important that you understand that since the credit bureaus and/or creditors are actually the ones doing the “deleting” – albeit, as a result of our investigations, we cannot, according to Federal law, legally guarantee what somebody else is supposed to do, or the specific result of a specific account. That is why we offer to you our money back guarantee.

REFUND POLICY: We want to make sure that we continue to offer the best guarantee in the industry, so in addition to our 120 day guarantee we also offer a full or partial refund of the monthly program fees if after 12 months of being a client you are dissatisfied for any reason with your results. After 12 months you may request an evaluation of your account. You must send us current credit reports. We will calculate the total value of all successfully deleted and/or improved items and compare that amount to the fees you have paid us. If what you have paid exceeds the value of deleted and/or improved items we will reimburse you the difference. To determine this we will assign a value of $60.00 to every successfully improved or deleted item from your credit report.

ADDITIONAL WARRANTY: And, if within one year from the date removed/deleted, negative information mistakenly reappears on your credit file, we will, at no additional charge, re-investigate to have it removed again.