Absolutely! Credit is goal driven. That means that our goal is to help you reach your goals, and you are able to cancel your service whenever you are satisfied with your credit score. There are no cancellation fees.

Credit repair involves disputing inaccurate or outdated information on your credit report to improve your credit score. CredFixly helps you identify and challenge these errors to enhance your financial standing.

Think of your credit score like a seesaw. Positive items are on one side, and negative items are on the other. Your three-digit credit score comes from a formula that checks the balance between these positive and negative items.

In other words, it looks at whether your positive items are heavier or lighter than the negative ones. To make your credit score better, you need to make sure the positive items are heavier.

There are only two ways to do this: remove negative items that bring your score down or add positive items that lift it up.

At CredFixly, we work on both sides of your score. We help remove negative items from your credit report and also help you add positive credit with our Credit Building Products.

Combining these two actions—removing negatives and adding positives—is the quickest way to help you reach your credit goals.

The national average for completing a credit restoration program is 18-24 months. However, CredFixly clients typically finish our program in about 8 months.

Here’s why: Most credit repair companies dispute only 2 or 3 negative items at a time, which drags out the process and increases your costs.

At CredFixly, we challenge every negative item every single month. This approach helps our clients finish the program faster, save money, and start enjoying their improved credit sooner.

Almost any item on your credit report can potentially be removed.

This includes bankruptcies, charge-offs, collections, medical bills, late payments, repossessions, cell phone and utility bills, student loans, and hard inquiries.

Credit repair involves creating leverage against the negative items on a credit report by gathering evidence that there is something wrong with what is being reported (factual disputing) or how it was reported (METRO2 compliance).

Each month, we send out a new round of dispute letters, adding more evidence to show why the credit bureaus (also known as consumer reporting agencies) or creditors should remove the challenged item. This could be due to a factual error, a reporting violation, or a violation of federal law, any of which can be grounds for removal.

Several factors can influence your credit score, such as your payment history, total debt, credit utilization ratio (the percentage of available credit you're using), length of credit history, types of credit accounts you have, and any recent credit applications.

Yes, credit repair is a legal process. CredFixly operates under the guidelines of the Credit Repair Organizations Act (CROA), which protects consumers from unfair practices by credit repair companies.

Divorce can greatly affect credit scores because the division of debt between former spouses might lead to one or both individuals taking on extra debt. This increased debt can significantly lower their credit scores. It's crucial to divide debts equitably and ensure both parties stay current with payments to preserve a good credit score. If either party struggles to make payments due to the divorce, they should contact their creditors promptly to explore options for maintaining a healthy credit score.

A charge-off means that a lender has given up on collecting a debt from you and has marked it as uncollectible. However, the debt still exists, and you are still responsible for paying it. A charge-off can seriously hurt your credit score.

The best way to deal with collection agencies is to stay calm and follow a few simple steps. First, ask for written proof of the debt to make sure it’s legitimate and actually yours. Next, learn about your rights under the Fair Debt Collection Practices Act (FDCPA), which protects you from unfair treatment. It's also a good idea to keep all communications with the collection agency in writing, so you have a clear record of any agreements. If the debt is valid, try to negotiate a payment plan or settlement that you can afford, and always get the terms in writing before making any payments. If you find it too overwhelming, consider getting help from a credit repair specialist. Following these steps can help you manage collection agencies and protect your credit.

No credit repair company can guarantee the removal of all negative items. However, our extensive experience and proven methods increase the likelihood of successfully disputing and removing inaccurate or outdated information.

To maintain a good credit score, make timely payments, keep your credit utilization low, avoid opening too many new accounts, and monitor your credit report regularly for accuracy. CredFixly also offers ongoing support and advice to help you sustain your improved credit status.