How long does credit repair take?
Each individual's credit report is unique, and presents a different set of obstacles for My Credit Repair Fix to face as we clean up your credit report. It is important to keep this in mind when considering how long the credit repair program will take. As a general rule, our clients should see their desired results within 4 to 8 months. Keep in mind however that the more inconsistencies or negative items that you have, the longer the process will take. Also some items prove hard to remove, and it may take several attempts until the credit bureau finally rectifies the mistake. My Credit Repair Fix strives to clean up our clients' credit reports as swiftly as possible, without sacrificing the quality of our work.
How do I get started?
Each individual's credit report is unique, and presents a different set of obstacles for My Credit Repair Fix to face as we clean up your credit report. It is important to keep this in mind when considering how long the credit repair program will take. As a general rule, our clients should see their desired results within 4 to 8 months. Keep in mind however that the more inconsistencies or negative items that you have, the longer the process will take. Also some items prove hard to remove, and it may take several attempts until the credit bureau finally rectifies the mistake. My Credit Repair Fix strives to clean up our clients' credit reports as swiftly as possible, without sacrificing the quality of our work.
How does the program work?
Each individual's credit report is unique, and presents a different set of obstacles for My Credit Repair Fix to face as we clean up your credit report. It is important to keep this in mind when considering how long the credit repair program will take. As a general rule, our clients should see their desired results within 4 to 8 months. Keep in mind however that the more inconsistencies or negative items that you have, the longer the process will take. Also some items prove hard to remove, and it may take several attempts until the credit bureau finally rectifies the mistake. My Credit Repair Fix strives to clean up our clients' credit reports as swiftly as possible, without sacrificing the quality of our work.
How much does the credit repair program cost?
The credit repair program at My Credit Repair Fix is only $69 per month, and you can cancel at anytime. There are no hidden fees or charges for canceling your account at My Credit Repair Fix.
Do you file automated disputes?
At My Credit Repair Fix we understand that every individual's financial situation is unique and thus every credit report is different. It is our belief that to successfully rectify credit reports, a customized approach is needed. This is why My Credit Repair Fix does not condone the use of automated disputes. Automated disputes just don't work, and they fail to produce results that satisfy our standards.
Can I fix my credit report by myself? Why should I use your credit repair program?
You can certainly fix your credit report by yourself, and this causes some people confusion as to why credit repair programs exist. At My Credit Repair Fix, many of our customers enroll in our program after having been unsuccessful at fixing their credit reports on their own. The truth is that repairing your credit report by yourself can be tedious, time consuming and overwhelming. By signing up for the credit repair program at My Credit Repair Fix, you are putting your credit repair in the hands of professionals. Our credit counselors know the ins and outs of the process. By taking advantage of our expertise, you afford yourself the luxury of concentrating on the many other aspects of your life aside from your credit report.
What are consumer credit laws?
Consumer credit laws are laws that protect consumers and regulate credit reports, scores, bureaus and other aspects of the credit industry. These laws are the basis of the credit repair program. The main consumer credit laws include the Fair Credit Report Act, the Fair and Accurate Credit Transactions Act, the Fair Credit Billing Act, and the Fair Debt Collections Practices Act.
How can I stay up to date on my case?
Customers can stay up to date on the progress of their case by logging into our database and accessing their profile 24/7.
Will my personal information be shared?
It is necessary for My Credit Repair Fix to obtain some personal and financial information from you in order to properly dispute items on your credit report on your behalf. However, we are strongly committed to protecting our customer's privacy and you can rest assured that your private information will remain secure. My Credit Report Fix will not share your personal information with any affiliates or other organizations.
Will requesting my credit report have a detrimental effect on my FICO score?
It is a common myth that making a request for your credit report will have a negative effect on your credit score. However, this is completely false. Obtaining your credit report will not affect your FICO score. In fact, you actually have the right to one free credit report per year under the Fair and Accurate Credit Transactions Act.
Why can't My Credit Repair Fix request my credit reports?
The reason that My Credit Repair Fix requests that you obtain and forward your credit reports is because we do not have the right to obtain the report on your behalf. This is because of a consumer credit law that protects your personal credit history. The Fair Credit Reporting Act clearly dictates that credit bureaus cannot release credit reports to entities other than the individual, unless for specific reasons such as credit, insurance or employment.
Is My Credit Repair Fix a reputable credit repair program?
Because there are companies that run credit repair scams (often asking for hundreds of dollars up front and then never following through) it is important for consumers to thoroughly review an institution before trusting them with their personal information. My Credit Repair Fix is a legitimate and reputable credit repair company. We are compliant to the Credit Repair Organizations Act. This federal law protects consumers from misleading advertising. It also serves to prohibit certain practices as well as mandate contract and disclosure requirements.
What happens after the credit repair program is completed?
When you have completed our credit repair program, your credit report, credit score and 'creditworthiness' will be vastly improved. Throughout our program, you will have obtained the tools and knowledge you need to maintain good credit.
Why are credit bureaus willing to drop negative items and rectify mistakes?
According to consumer credit laws, credit bureaus must remove negative items after a certain period of time. They are also required to present a case against a dispute within 30 to 45 days, proving the legitimacy of the item. During the credit repair process, consumer protection laws are used to rectify mistakes and force credit bureaus to remove negative items.
Can I cancel my credit repair program?
While we strive to please our customers and work out any issues that may arise, customers can cancel their programs at any time. There is no cancellation fee.