
Are we a credit repair company?
No we are not a credit repair company. Although the goal is the same for the client, the approach is different. We are a derogatory credit deletion company that works directly with the Credit Bureaus. In compliance with the “Fair Credit Reporting Act”, the two ways to delete derogatory credit is by a time requirement and the other is through the credit bureaus.
What are the services provided by credit repair companies?
Credit repair companies repair credit, or negotiate debt with creditors on behalf of their client. They also provide credit counseling. Credit repair companies write letters to your creditors to dispute derogatory(s). The process is often time consuming and arduous.
How do we work?
We disputes derogatory(s) online DIRECTLY with the credit bureaus. Our clients are so relieved when we tell them this information. This is one of the reasons why the results happen faster than the traditional credit repair companies.
Can I do this online myself?
Of course you can do it yourself! Many of our clients have tried and found out that it took them a long time up to 2+ years to do the work we could do in 2 months. The reason why they became clients is because they were not able to remove all of the derogatory(s) themselves. We have spent the time and money to understand the State and Federal Government guidelines, and provide a service to you that enables a way for you to accomplish your goals in a shorter time and with less tangible and intangible costs.
Once the derogatory is removed is it permanent?
90% of the deletions are permanently removed. Because we continue monitoring our client’s credit thru the duration of our disputes (1 dispute cycle every 45 days). If the deleted derogatory returns, they are disputed again to be removed and in most cases are permanently removed.
What type of derogatory(s) can you remove?
We dispute tax liens, chapter 13 ,7 bankruptcies (Must be out and finished with BK(s), repositions, judgment(s) mortgage late(s) over 2 months old, credit card late(s) over 2 months old, evictions, and more.
Do you offer a guarantee?
It is illegal for anyone to guarantee that credit scores will be raised or that derogatory items will be deleted. Only time and the credit bureaus can effectuate credit scores. Our service is to assist the client with online disputing with the credit bureaus to remove derogatory(s). Unfortunately, no one can make any claims on what will happen with FICO scores, but because your FICO score is dependent upon 35% on your credit payment history, 30% on the amounts owed, 15%on the length of credit history, 10% on new history and 10% types of credit used, there are many variables. We will do our best to remove derogatory(s) and guide you through the proper management of your credit profile. It will be up to the client to seek out and follow the advice given. We are not responsible for the client’s motivation and what the client will do or won’t do after the advice is given. For more information and advice please go to www.myfico.com.
What type of derogatory(s) can you remove?
We dispute tax liens, chapter 13 ,7 bankruptcies (Must be out and finished with BK(s), repositions, judgment(s) mortgage late(s) over 2 months old, credit card late(s) over 2 months old, evictions, and more.
How long does it take?
Each situation is different, and in most cases we see that we can remove derogatory(s) in 45 to 60 days. In most cases we will see a conservative 40 point increases in FICO scores per month. We also have seen over 120+ point raise as early as 22 days. Every disputed file will have a different degree of damage done to it, and will experience different time frames to repair the damage.
FAQ didn’t help?
Feel free to ask us anything!
Contact Us
- Phone 855-815-3080
- Have a customer service issue? Shoot us an email.
- We are available 9 am-5 pm PST to help with your file!
Interesting Info
We stand behind our program and philosophies. We have less than a 1% refund rate after 15 years in the business. That’s about 56,088 happy customers. Join them!

Get in Touch
855-815-8030
OFFICE HOURS:
Monday through Friday: 8AM-5PM
Evenings and weekends available by appointment
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I am happy to offer this testimonial for John Allen at Saving My Credit.
Saved my life. Literally, credit CPR!
Jonathan T.
Jonathan T.
I’m in awe! They are the best!
John M.
John M.
Choose this company!
Cynthia R.
Cynthia R.
SMC gave me a second chance and a fresh start when I lost hope.
Andrea A.
Andrea A.