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Frequently Asked Questions

Some common questions about credit repair


Do I need to pay for credit monitoring too?

Nope. Others in the industry pressure you to sign up with third party, affiliate credit monitoring service.

Because we have a partnership with the best credit monitoring service, we’re able to pass the savings on to you.  For one affordable price, our repair services include:

  • All 3 Credit Bureau Reports
  • All 3 Credit Bureau Scores
  • Monthly Updates
  • Extensive Finance Tools
  • And much more

To see services and pricing, visit our pricing page here.

Do I have to mail my own letters?

Absolutely not. Many other credit repair companies put the burden on the customer to print and mail their own letters. This is a team sport, so while we do expect you to participate in the process, we take care of the grunt work, including creating, printing, and mailing letters for you.

How much does credit repair cost?

Like many things, technically you can do it yourself, but that doesn’t mean it’s going to save you money or time. We keep our pricing simple. No tricks or gimmicks like others in the industry. One affordable price covers everything needed to improve your credit report and score. To see current pricing, visit our services page here.

Is credit repair legal?

Absolutely! Not only is credit repair legal, it’s also ethical and a consumer’s right that’s protected under various laws, including The Fair Credit Report Act (FCRA), Fair Debt Collections Practices Act,  and Fair Credit Billing Act (FCBA). 

Do I need to pay accounts that were deleted from my report?

Removing an item from a credit report does not change your responsibility for an account or debt. An account does not need to be on a credit report for a creditor to seek payment/account settlement with the borrower.

How much do I have to pay to get started?

Zero dollars. Nothing. Nada. Free. Take our advice and work on your credit yourself or let the experts here at Credit Defenders handle it. There’s absolutely no obligation, no trial, and no credit card needed.

Just know that if you attempt on your own and then come to us, we may not be able to help you for a year or two.

Do you offer any free credit repair services?

We sure do! We offer a FREE Credit Evaluation so we can determine if you’re a good candidate for credit repair and building.

Unlike others in the industry, there’s no trial to sign up for and no credit card required.

Here’s what you’ll get for free:

  • Credit Report
  • FICO Score
  • 30 minute consultation


Can I repair my own credit?

You sure can. Many people attempt it themselves, though they often find it’s alot more work or causes bigger problems than anticipated.

We have a process that has been proven to be effective and efficient. If you want to give it a go yourself, that’s your right protected under law. Just know that if you attempt on your own and then come to us, we may not be able to help you for a year or two.

Do you have a guarantee?

Absolutely! We’re so confident in our services that we offer an unrivaled 90 day PLUS 30 day money back guarantee! We will never promise results. We recommend steering clear of anyone that does. What we promise is a simple and quick refund if we don’t meet your expectations.

Removing negative items can take some time and multiple follow ups with the bureaus, this is why we recommend sticking with us for 90 days before requesting a refund. Read our entire 90/30 guarantee here.

How long does it take to get results?

There is no magic number. Every client and situation is different. We typically see postive results within 90 days. With our industry leading client portal, you’ll always know what is currently being worked on and it’s current status.

Do you provide discounts for a household or couple?

We do not. Each client uses our specialized backend system to maximize their results, which costs money per client. We understand it’s common for a couple to go through credit repair together, because they’re often going after a specific goal, such as saving money on credit lines, buying or refinancing a car, buying or refinancing a house, etc.

We would love to help you acheive your goals. If you’re ready to take action and move forward, then sign up for your FREE action plan today!

Do you limit the number of disputes/challenges?

We provide unlimited challenges. No cap like others have. Every client’s situation is different and will require a different approach (this is why we start with an in-depth, comprehensive analysis).

We utilize two different approaches, challenges and disputes, depending on what’s needed to get the best results fast.

While we will dispute an unlimited amount, we do have a proven, systematic approach that we’ve found we get the best results with. On the first round we typically start with 15 items (5 per bureau) and then will asses increasing from there.

When challenging, we attack every eligible item for each round.

Most of our clients begin with an aggressive challenging sequence to get results as fast as possible.

Will deleted items get added back to my credit report?

Due to our process, this is uncommon, but it’s important to know that disputed items do sometimes reappear after being removed. If this happens, just know we will take appropriate action to have it removed again. The Fair Credit Reporting Act mandates that the credit bureaus notify you before adding an item back that was previously deleted.

Can you remove a bankruptcy from my credit report?

Yes! A chapter 13 bankruptcy typically stays on the consumer’s credit report for 7 years, while a chapter 7 stays for 10 years!

We can’t promise it will be removed early, but while others say it’s impossible, we’ve proven otherwise.

Can I cancel my membership any time?

No long term commitments here. While we hope you stick with us long enough to reach your goals, you’re free to cancel any time. 

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