How our credit repair services work
Assess, Repair, and Rebuild: Your coach and you will assess your credit, resources, and
goals to develop the best plan to fix your bad credit and start rebuilding new, positive credit.
Benefits of our credit repair program
Repairing your credit isn’t as easy as disputing anything and everything with the credit bureaus. This is actually part of the reason why the credit repair industry has such a bad reputation.
However, this doesn’t mean that your credit can’t be fixed. It simply means that it has to be done properly.
Why choose us?
We have honed our credit repair process and customer service procedures for almost two decades. As a result, MyCreditGroup has become the gold standard for ethical, honest, and effective credit repair.
Frequently asked questons
What types of accounts can be deleted?
In general, any inaccurate, outdated, or unverifiable information on your credit report can be disputed and potentially deleted. This can include negative items such as late payments, collections, charge-offs, bankruptcies, foreclosures, and judgments, as well as errors in personal information such as incorrect addresses or social security numbers.
However, it’s important to note that accurate and verified information cannot be removed from your credit report.
How long do negative items stay on my credit?
The length of time that items stay on your credit report can vary. Here are some general guidelines:
Late payments: Late payments can stay on your credit report for up to seven years from the date they were first reported.
Collections: Collections can also stay on your credit report for up to seven years from the date they were first reported.
Charge-offs: Charge-offs, which occur when a creditor writes off a debt as uncollectible, can also stay on your credit report for up to seven years from the date they were first reported.
Bankruptcies: Chapter 7 bankruptcies can stay on your credit report for up to ten years from the filing date, while Chapter 13 bankruptcies can stay on your credit report for up to seven years from the filing date.
Foreclosures: Foreclosures can stay on your credit report for up to seven years from the date of the first missed payment that led to the foreclosure.
Should I stop paying my bills?
No. You should always try to pay your bills on time.
Do you offer any guarantees?
Yes. We offer a no questions asked 30-day money-back guarantee.
Will you pull my credit reports for me?
Yes. During your consultation we’ll try and pull all 3 of your credit bureaus free of charge. These do not hurt your credit.
How do I cancel my service?
Just call or email your credit coach and let them know you’d like to cancel. You’ll be cancelled immediately with no further charges.
Can I pay more for better results?
We appreciate anyone who trusts us with their credit, but we provide the same level of service to all customers, regardless of how much you pay.
Can I pay your fees upfront?
No, it’s illegal to charge any type of upfront fee for credit repair services.