Our Credit Specialist is certified to educate and assist you with understanding your credit reports and the laws that protect you as a consumer.

Everyone’s credit profile is different so result will vary.

We offer complimentary credit analysis with the free credit consultation. If you enroll in the Credit Restoration Program, you will pay $99 at the completion of the enrollment. Enrollment includes a credit analysis, development of your Dispute and Challenge Plan, personal information removal requests, as well as prepping your file for the first round of letters. Going forth, the fee for deletions are $50 per deletion per bureau and paid upon receipt of your itemized invoice. You are not obligated to sign up and you can cancel your service at any time. You are not charged a fee until work is performed.

Once you complete the sign-up process, we will begin working on your credit report to remove any erroneous or inaccurate information. The program also provides you with information to build positive credit.

Most people find a period of at least 3-6 months is necessary while some stay in for up to 12 months to effectively increase their score.

You will have to sign up for credit monitoring with one of our preferred partners, SmartCredit or Identity IQ (Vantage Scores) or MyScoreIQ ( FICO ® Scores).

Yes, it allows you and us to see what all three of the major bureaus have reported in a single report.

We can challenge as many as you want at a single time, the choice is yours.

Anybody who lives in the same household can get the family plan. You do not have to be married.

The only time your information is shared with anyone is if you were referred to us by an affiliate partner (such as a Realtor®, mortgage broker, etc) who is a part of the dispute process. Even then, they only receive updates, not the details of your credit reports. If at any time you no longer want them to be updated, simply let us know and we will stop.

By building a healthy credit profile, you will have a better chance of being approved for a home loan.

Yes, when necessary we will dispute inaccurate information with collectors and creditors.

No worries! If your questions are specific to your overall credit health, you can complete the form below to schedule a credit consultation which includes a complimentary credit analysis. If you have general questions about our program, email us at support@dearcredit.net.

Yes! If you are committed to investing in your financial future, click the button below to enroll in the Credit Restoration Program.

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