Frequently Asked
How much does your service cost?
Credit Boosting is Only $499.99 (a $25 savings from our 3-Easy Payments) or $174.99 a month with 3-Easy Payment:
Get started today. It’s quick and easy. You get a copy of your credit report, scores, and monitoring from all 3 Credit Bureaus, and we’ll start working to dispute or challenge negative marks right away.
Smart Credit® Monitoring is only $29.99 per month
With Smart Credit® Monitoring you’ll continue to have access to your credit report, score, and monitoring monthly with all three major credit bureaus. If something negative appears, new or old, just let us know, and we’ll go to work on your behalf disputing and challenging those items. One monthly fee keeps you covered. With other credit repair companies, you’ll have to start over and pay hundreds to remove any negative items that appear or reappear.
How does your satisfaction guarantee® work?
We stand behind our work and that’s why tens of thousands of people have trusted us to boost their credit in the first place. We've made our service risk-free. We completely guarantee your satisfaction. When you're paying for Credit Boosting, you're assured that we'll delete negative entries on your credit reports or we'll provide a full refund. We continue to run our industry leading process again, and again … to achieve your satisfaction. With our Credit Management program, we’ll work to dispute or challenge any and all negative marks that appear on your credit profile for as long as you pay our low monthly rate. You can cancel at any time, and you will not be charged for that month of service. Our goal is to make you one of our thousands of satisfied customers and we're willing to go the extra mile for it. That’s our promise to you.
How long does it take to repair my credit?
Each situation is unique, and so is the timeframe required to repair your credit. The majority of our customers see notable results within the first 45 days, but results can start to appear within a few weeks.
Our goal is to improve both your credit report and credit score continuously each month with the initial Credit Boosting program and ongoing with our Credit Management program.. With that said, keep in mind that no company can promise any specific outcome simply because there are several third parties involved (e.g. Equifax, Transunion, Experian, your creditors, etc.) and no one can predict with 100% certainty how or when they will respond.
Our goal is to improve both your credit report and credit score continuously each month with the initial Credit Boosting program and ongoing with our Credit Management program.. With that said, keep in mind that no company can promise any specific outcome simply because there are several third parties involved (e.g. Equifax, Transunion, Experian, your creditors, etc.) and no one can predict with 100% certainty how or when they will respond.
How much can I expect my score to go up?
Each credit profile is unique, as is the opportunity to boost a credit score. A large majority of CreditBoosterClub members saw their credit go up at least 40 points, but many of our satisfied customers have seen increases of 100 points or more. We’re going to do everything we can to raise and keep your score as high as we can. Good credit practices will help.
I just signed up, what happens now?
- You'll receive a welcome email from us.
- We'll provide you with a special secure online account, so you can keep track of our progress on your credit repair
- You'll see your credit reports and starting credit scores from all three credit bureaus (reporting agencies)
- We’ll get to work disputing and challenging negative marks on your profile right away. You may start seeing credit improvements in as little as a few weeks.
- Your credit report and score improvements will progress throughout the initial few months of service. New negative marks or returning negative marks will be disputed and challenged if you participate in our Credit Management program.
- In the end, you will visibly see your credit report, turn into a better credit report and your credit score improve.
Will I see my credit after I sign up?
As part of the registration process you'll register with our partner, SmartCredit, and have immediate access to your credit reports, scores, and monitoring for 90 days. If you take advantage of our Credit Management Program these are available to you on an ongoing basis, as long as you're a member.
Will I see my scores after I sign up? How will I know it works?
Easy! Every time you receive updated credit reports throughout your service, you will see items that have been changed, updated, or removed. If an item is changed or updated, it generally means that a positive improvement with that account (such as a late history) has been made. If an account was removed all together from your credit report, it means that a negative item has been removed from your credit. Usually these items are collections, charge offs, foreclosures, etc.
How long does it take after I sign up to receive my first updated credit reports in the mail?
You should receive your reports from the credit reporting agencies within 60 days of signing up
Who can see my credit reports?
Our credit service specialists are the only ones who will see your credit reports, view our privacy measures within our privacy policy—your information is safe and secure.
How do you restore bad credit?
We review your credit report and see what's bad and what could be better. With our seasoned and experienced team and proprietary systems we get right to work on both disputing and challenging any questionable items on your credit report and addressing the things we believe can help raise your credit score.
How can bad credit be legally repaired?
Because you are ultimately responsible for ensuring that your credit report is accurate, laws were enacted -- specifically the Fair Credit Reporting Act (FCRA) -- to assist you. The FCRA gives you the right to contact the credit bureaus directly to dispute items on your credit reports. You can dispute any and all items that are inaccurate, untimely, misleading, biased, incomplete or unverifiable. Any item that cannot be verified on your credit report must be deleted.
Goodwill Creditor Interventions may also be used to address an item on your credit report directly with your creditor. Also, the Fair and Accurate Credit Transactions Act (FACTA) of 2003 may be utilized primarily in situations where identity theft is concerned.
We’ve helped tens of thousands of people to legally and successfully boost their credit score simply by enforcing their own legal rights. This type of process can be done individually if you have the time, and of course the patience, for the learning curve involved.
Goodwill Creditor Interventions may also be used to address an item on your credit report directly with your creditor. Also, the Fair and Accurate Credit Transactions Act (FACTA) of 2003 may be utilized primarily in situations where identity theft is concerned.
We’ve helped tens of thousands of people to legally and successfully boost their credit score simply by enforcing their own legal rights. This type of process can be done individually if you have the time, and of course the patience, for the learning curve involved.
Does paying off my bills repair my credit?
Unfortunately, the credit reporting system just doesn't work that way. When you pay your debt, the negative credit listing doesn't disappear. There is little difference between a paid negative item on your credit report, or an unpaid one. If you can afford to pay off your debts, we would always advise you to.
What items can be removed?
A better question would most likely be "what items cannot be removed". We can remove everything you can imagine. Here is a list of some:
- Late Payments
- Charge Offs
- Foreclosures
- Judgments
- Repossessions
- Personal Identification changed or corrected
- Closed Accounts
- Bankruptcies
- Negative Settlements
- Liens
- Collection
Can late payments be removed?
Yes, our methods of disputing have proven to remove any type of late payment whether it is 30, 60, 90, or 120 days late. We see more late payments being removed than any other negative item.
Can collection be removed?
Yes, we're regularly successful at removing derogatory collection marks.
Can repossessions be removed from my credit report?
Yes, our proven methods of dispute can remove repossessions. Repossessions are difficult to remove, so the percentage of removals would not be as high as a simple late payment, for example. However, there is no action step or approach that we won't take.
Can foreclosures be removed from my credit report?
Yes, foreclosures can be removed. Although they are very difficult, we again take every step possible to do so.
Can bankruptcies be removed from my credit report?
Bankruptcies are public records and tend to be in most cases the most difficult to remove if they are still within 7 years old. While we can't guarantee it we like to think of ourselves as Bankruptcy Removal Ninjas and have a high rate of removals. Our service has been known to remove them with an impressive 65% success rate with past customers.
Can student loans be removed from my credit?
Late payments on student loans can be removed, although student loan debt cannot be settled.
Can inquiries be removed from my credit?
Yes, a creditor must provide documentation showing you applied for credit with their company, if they do not provide proper verification then the item is removed. Inquiries are a very small aspect of your credit score, however, and they commonly do not affect your credit score past 90 days. We usually approach these last if you would like us to, instead, we focus on the more critical items affecting your credit to begin with.
