How does credit repair work? Is it legal?

Credit repair is 100% legal. It works because of a law called The Fair Credit Reporting Act. The FCRA gives you the right to dispute any item on your credit report. If that item cannot be verified within a reasonable amount of time (usually 30 days) it much be removed. Even accurate negative items can often be removed or negotiated away. 79% of all credit reports contain errors. This means that most credit reports can be improved instantly. We will guide you every step of the way to order credit reports, remove errors and the removal of negative items. You will monitor your progress every step of the way by logging onto your secure portal.

What is the timeframe for your service?

It takes up to 30-60 days to begin to see updates on your credit reports. It may feel like a slow process, but hang in there, because it DOES work.

What is your refund policy?

You may cancel your subscription at any time. Any cancellations made after 60 days of service will not qualify for a refund. Credit Score Doc’s goal is to improve our clients with professional service backed with integrity and honesty. If for some reason, Credit Score Doc fails to improve a clients credit report, we will negotiate terms for a refund. This refund will be dependent on the amount of work that has been successful, minus postage fees. Please contact us here with any questions.

How much money can I save with good credit?

With good credit, your mortgage, auto or loan payments can be cut in half!