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My Credit Group FAQs

How soon will I start seeing results?

You will start receiving update within 30 to 45 days. The Credit Bureaus will mail directly to you. If you have a monitoring services, they may contact you electronically.

How are you different than other credit repair companies?

The reason so many people choose My Credit Group is because before we even start repairing your credit we help you develop a plan. A plan tailored to your specific circumstances, your finances, your goals and your state’s statutes. Yes, there are still certain times when a standard dispute letter might do the job, but more times than not you’re going to need more.

How long before I can apply for new credit cards?

This is a case by case basis. For some, you can apply and be approved for credit immediately. For others, much work is needed on your current accounts, or credit score in general before you should apply for new credit.

How long will it take to repair my credit?

Average client takes about 3-6 month and for tougher case they can go anywhere from 6-12 months.

How much do you charge?

You can see all of our services and the price here

What if I signed up and changed my mind?

If you sign up and change your mind, you can cancel within 72 hours and there will be no charge

Is there a guarantee?

It is illegal and unethical to guarantee results. However, we do guarantee that we will do everything we promised to do each month or you will not be charged for that month.

What are pay for deletions?

Some collection agencies will agree to delete the negative listing from your credit report once you pay it off. This is known as a pay for delete or pay for deletion.

My Credit Group specializes in both debt settlement negotiations and pay for delete services. *Please note original creditors will almost never agree to delete.

Can I fix my credit on my own?

Yes you can! While disputing negative items on your credit report is not difficult at all. The task is however, time consuming and filled with many pitfalls you must be aware of when dealing with credit reporting agencies and creditors.

Do you hold my money during debt settlement?

No. We never touch your money, we just do the negotiating between the collector and you. Once an agreement is made, you pay the collector directly.

How do I reach my credit coach?

You will have scheduled progress meeting and you’ll also have 24/7 access to real-time updates in your client portal.

Is there a charge for my credit reports?

No. Upon signup we will assist you in getting your free credit reports. We get them from annualcreditreport, they are always free, and getting them will never harm your scores.

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