Get Your Free Credit Consultation
Discover how many points you could add to your credit score. Our experts will analyze your situation and create a personalized improvement plan, completely free.
Start Your Credit Repair Journey
What You'll Get
- Free credit report analysis from all three bureaus
- Identification of all negative items affecting your score
- Personalized strategy for credit improvement
- Honest assessment of what can realistically be removed
- No obligation, and we'll only proceed if you're 100% comfortable
We Can Help Remove
Select the items affecting your credit in the form, or learn more about each:
"After just 3 months, my score went from 520 to 680. They removed 8 collections and 4 late payments. Worth every penny!"
Michael R., Houston TX
What to Expect from Your Free Credit Repair Consultation
Taking the first step toward better credit can feel overwhelming, but our free consultation makes it easy. When you schedule a consultation with The Credit Repair Guy, you're getting a comprehensive, no-obligation assessment of your current credit situation and a clear roadmap for improvement.
During your consultation, our credit experts will review your credit reports from all three major bureaus (Experian, Equifax, and TransUnion) to identify every negative item that may be impacting your score. We'll explain what each item means, how long it will stay on your report, and most importantly, whether it can potentially be disputed and removed.
How Our Credit Repair Process Works
Understanding the credit repair process helps set realistic expectations. Our approach is based on your rights under the Fair Credit Reporting Act (FCRA), which requires credit bureaus to investigate disputed items and remove any information that cannot be verified as accurate.
- Credit Report Analysis: We obtain your reports and identify all negative items, categorizing them by type and assessing their impact on your score.
- Dispute Strategy Development: Based on our analysis, we develop a customized dispute strategy targeting inaccurate, unverifiable, or unfair items.
- Dispute Letter Preparation: We prepare professional dispute letters citing specific credit laws and regulations that support your case.
- Submission and Tracking: We submit disputes to the appropriate parties and track all responses, ensuring investigations are completed within legal timeframes.
- Follow-Up Disputes: If initial disputes are unsuccessful, we file strategic follow-up disputes using different approaches.
- Progress Monitoring: We continuously monitor your reports and provide regular updates on items that have been removed or updated.
Types of Negative Items We Help Remove
Different negative items require different dispute strategies. Our credit repair services cover the full spectrum of negative items:
- Collections – Medical debt, credit card debt, utility bills, and other collection accounts
- Late Payments – 30, 60, 90+ day late payment marks on credit cards, loans, and mortgages
- Charge-offs – Accounts written off by creditors as business losses
- Hard Inquiries – Unauthorized credit checks that lower your score
- Bankruptcy Records – Chapter 7 and Chapter 13 bankruptcy filings
- Repossessions – Vehicle and other asset repossession records
- Foreclosures – Home foreclosure records
- Identity Theft Items – Fraudulent accounts and inquiries from identity theft
Why Choose The Credit Repair Guy?
With countless credit repair companies making big promises, it's important to choose a partner you can trust. Here's what sets us apart:
- Transparency: We're upfront about what can and cannot be accomplished. We'll never promise to remove accurate negative items that will remain on your report until they age off naturally.
- Legal Compliance: We operate in full compliance with the Credit Repair Organizations Act (CROA) and never charge upfront fees before performing services.
- Experience: Our team has successfully removed thousands of negative items for clients across the country.
- Education: We don't just fix your credit. We teach you how to build and maintain strong credit for the long term.
- Personalized Service: Every client's situation is unique, and we create customized strategies rather than one-size-fits-all approaches.
Frequently Asked Questions
Is credit repair legal?
Yes, credit repair is completely legal. The FCRA gives every consumer the right to dispute inaccurate information on their credit reports. Credit repair companies help exercise this right by preparing professional dispute letters and managing the process on your behalf.
How long does credit repair take?
Results vary depending on your situation. Many clients see their first removals within 30-45 days, as credit bureaus are legally required to investigate disputes within 30 days. Comprehensive credit repair typically takes 3-6 months, though some cases may take longer.
Will credit repair hurt my credit score?
No. Disputing items on your credit report does not negatively impact your score. If disputes are successful and negative items are removed, your score will increase.
Can I repair my credit myself?
You can dispute items yourself for free. However, professional credit repair companies have experience knowing what disputes are most effective, how to handle rejections, and how to navigate complex situations. Visit our credit education center to learn more about the DIY approach.
Take the First Step Today
Your credit score affects more than you might realize, from interest rates and loan approvals to rental applications and even job opportunities. Don't let negative items on your credit report hold you back from the financial future you deserve.
Complete the form above to schedule your free consultation. There's no obligation, no credit card required, and no pressure. Just honest answers about your credit situation and a clear path forward.