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Is Credit Repair Legal?

Credit repair is 100% legal and it works because of the law. The Fair Credit Reporting Act gives you the right to dispute any item on your credit reports that are inaccurate, obsolete, out-dated, or unverified. If an item cannot be verified it must be removed. If an item is inaccurate it will be updated. In some cases, we can negotiate payment to original furnishes of debt and/or collectors of debt on behalf of clients.

How Much Will This Cost?

$100 billed after client setup and dispute letters are created (this is your first monthly payment). $50 per month after each completed month of service after your first month. Cancel Anytime. Also we ask you keep open for credit monitoring for us which is $19.99 per month.

Tip: If you **CALL** PrivacyGuard to cancel they will be willing to drop the monthly cost to $9.99 per month.

How Long Will This Take?

Because credit repair depends on a variety of factors the time will vary. The average clients are satisfied with the results by month 4. Remember Lasting credit repair is a process and not an overnight “quick-fix.”

How Can I Prepare for My Free Consultation?

By Having your 3 current credit reports available. You can get them for free at

Is My Information Secure?

Client Data Protection is required by law. We use the same security encryption (256-bit SSL) as banks. SSL is Secure Socket Layer, but what it really means is that the data sent between TheCreditMedic and your computer is safely encrypted from prying eyes. It’s the same technology that banks use to keep your credit card information safe. We never share your personal information with anyone for any reason without your prior written permission.

Can I do this myself?

Absolutely, you are your best advocate and know your situation more than anyone else. There are many useful books, websites and videos on the subject. If you want to DIY we recommend educating yourself first.

Where Do I Get My Free Annual Credit Report?

Where's The Best Places To Get My Credit Score?

These are my Top 3 companies that I recommend to get your credit score from:

Do These Letters Have To Be Notarized?


Can I Receive A Refund?

Yes, I offer My Personal Clients a 90 day 100% Money Back Guarantee. If I Am unable To Remove negative Items from their Credit Report.

Note: My DIY products are final.

How Long Does Each Round Take?

Each Round of Disputes takes 30 – 45 days.

Note: Please be patient and relaxed with the dispute process. Remember that you didn’t get into this situation overnight, so your credit isn’t going to get better overnight.

What If The Credit Bureau Sends Me Proof?

They won’t send you proof, They Don’t have proof! ONLY the Original Creditors can; because they might still have those records on file.

Note: Remember that CRA’s aka Credit Bureaus use an automated system to verify called EOSCAR. simply put that’s note the original document. i.e. PROOF!

Do you Guarantee your DIY products work?

No, I cannot say that for Fact. Everyone’s situation is different. With that said sometimes items don’t come off that particular Round. It Happens but don’t stress send another Round of Letters. My DIY products have an Extremely High Success Rate! THEY WORK!

Note: I will NEVER lie to you or Sale you a Dream! I’m here to Help you. My Products Work and if items don’t fall off 1month keep at it and go another Round until every negative item is off of your Credit Report!

Can you Remove Late Payments?


Can you Remove Hard Inquiries?


Can you Remove Bankruptcies?

Yes! I have strategies and approaches for you to use and learn.

Can you Remove Judgments?


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