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Here’s a list of our most frequently asked questions. If you don’t find what you’re looking for, don’t hesitate to send us a message. We’re here to respond promptly and help you get the answers you need

Yes, credit repair can work effectively when done correctly. We help remove inaccurate, outdated, or unverifiable items from your credit report, improving your credit score and helping you gain access to better financing. While results vary, our proven process can significantly improve your credit over time.

The time it takes for credit repair to show results depends on the complexity of your credit report. Typically, clients begin seeing improvements within 30 to 45 days. However, some issues may take longer to resolve depending on the credit bureaus’ response times and the specific items being disputed.

Your involvement is minimal but essential. You’ll need to provide us with your credit reports and any relevant information about questionable accounts. We’ll handle the disputes and keep you updated throughout the process. We also encourage you to follow our actionable steps for improving your credit, like reducing debt and managing your credit wisely.

Improvements in your credit score can vary, but many clients may see results within 30 to 45 days after disputes are initiated. However, the timeline depends on the number of inaccuracies, the speed at which the credit bureaus respond, and how much impact the changes have on your credit profile.

You can easily contact your dedicated account manager by phone, email, or through our secure client portal. We’re always here to answer any questions or provide updates about your progress.

The Credit Repairmen is a team of credit repair experts founded by Logan Skidmore and Adam Hetrick in 2011. We are dedicated to helping people regain control of their finances by improving their credit scores and providing education on how to maintain good credit for the future.

Unlike other credit repair companies, we focus on transparency and education. We give you full access to our proprietary software platform, which provides insights into the process and allows you to track your progress. Additionally, we create personalized, actionable plans, and provide Financial Hacks and Pro Tips videos to help you understand how to manage and improve your credit long term.

We do not directly settle debts, as our focus is on credit repair. However, we will work with collection agencies and creditors to validate debts and remove any inaccurately reported or outdated items from your credit report, which can help improve your credit score. Your Account Manager can also help you identify an account or 2 that if settled would have the biggest impact.

You can dispute items on your credit report yourself, but it can be time-consuming and complex. Our team of experts uses proven methods to challenge inaccuracies and negotiate with creditors on your behalf, which often leads to faster and more effective results. Hiring professionals can save you time and increase your chances of success.

While we can’t directly stop creditors from calling you, we can help you dispute the legitimacy of their claims and negotiate with them on your behalf. Additionally, if you’re receiving calls from debt collectors, there are legal protections available that we can guide you through.

We fix credit by identifying and challenging inaccurate, outdated, or unverifiable information on your credit report. We work with the credit bureaus and creditors to get these items removed, helping to improve your credit score. Additionally, we provide ongoing education and support to help you maintain a healthy credit profile.

Our services are affordable and tailored to your needs. The cost varies depending on the complexity of your situation and the level of service you choose. Get started with a free credit analysis, and we’ll provide you with a clear breakdown of pricing.

While we provide credit monitoring as part of our service, you are able to also use a separate credit monitoring service for added protection and to keep track of any changes to your score in real-time.

We only help you process credit disputes when you use the credit reports/ monitoring service we recommend.

If an item is successfully removed from your credit report, it can come back if the creditor provides new, valid information that verifies the debt. However, if the information is inaccurate or unverifiable, it should not reappear. We’ll re-work any negative account that comes back on your report.

Not necessarily. Each credit bureau maintains its own data, and items may be reported differently across Experian, TransUnion, and Equifax. We work with all three bureaus to ensure that inaccuracies are corrected across the board.
 

Removing an item from your credit report doesn’t eliminate the underlying debt. It simply ensures that the debt is no longer affecting your credit score if it was reported inaccurately. You may still need to address the debt with the creditor or collection agency directly.

No, each individual has their own credit report. If a negative item is removed from your report, it won’t automatically be removed from your spouse’s report.

If you wish to cancel, please contact us directly via phone or email. We’ll guide you through the cancellation process and make sure all your questions are answered. We also offer a 30-day money-back guarantee, ensuring your satisfaction with our services.