Transparent Credit Repair - Frequently Asked Questions

How Much Do Credit Repair Services Cost?

Unlike other Credit Repair companies we do not charge a monthly fee. We disagree with Companies that charge a monthly fee and dispute 1-2 items per month in result taking you YEARS to reach you financial goal.

We understand everyone may have a different situations so we have a tailored payment system for each client. After your Full detailed consultation payment will be organized.

How Does Credit Repair Work With Transparent Credit Repair?

We have outlined our process below


All clients must complete the on boarding process



We cross dispute. We dispute with the help of the Credit Bureaus and we dispute directly.


We follow up every 30-Day cycle

What Makes Transparent Credit Repair Different?

  • We do NOT charge an hourly fee
  • We charge less than you would pay for a few hours with an attorney
  • We do NOT stick you with any hidden fees
  • We will be there for you every step of the way
  • We do NOT charge a monthly fee

How Do Other Companies Repair Credit?

Client A has 30 Negative items on their credit report. The average credit repair company will dispute 1 item per month to ensure they are paid by reoccurring payments. Client A will spend $3,000 in 2.5 years paying $100 a month.


  • 30 neg x 100 per mth = $3,000
  • 30 neg / 12 mth = 2 yrs & 6 mths for you to fix your credit.


Is Credit Repair legal?

Yes, credit repair is legal and our credit education and document processing services will help you to use the law in your favor. That law is 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 time (usually 30 days) it must be removed. Studies have shown that 79% of all credit reports contain errors. This is nearly 8 out of 10 reports. Therefore most credit reports improve immediately.

For items that disputed that are not errors, a creditor or furnisher is often unable to find the records or signed documents within the allotted time and the item gets removed. Sometimes the furnisher will say it has been verified by not offer proof.

It is our job to prepare documents that challenge this and we are very skilled at that.

Is Credit Repair and Education worth my time and money?

Contrary to what credit bureaus want you to believe, credit repair does work in most circumstances. But it only works if you are getting the best advice from an experienced professional. Anyone with a credit score below 720 can benefit long-term from the advice and information provided through credit education. However, there are limiting factors that will prevent us from helping you.

Two main factors are:

(1) your financial situation and/or
(2) the time frame in which you need to reach your results.

It is possible to remove anything from a credit report, even accurate items. For instance, if the creditor makes mistakes or does not adhere to the specific time frame, the negative item may be removed.

What can I expect when I enroll in Credit Repair & Education?

We will guide you through the process from start to finish and prepare all your documents for you. We have a superb knowledge of credit scoring and experience working with creditors and credit bureaus.

It may be difficult for an individual to communicate with creditors and bureaus without an adept understanding of their techniques and regulations in place for credit reporting.

We have spent a great deal of time learning the laws that will help you to remove negative information on your report, which enables us to offer you a flawless, money back guarantee system.

How long will it take to raise my score?

Through our services, 93% of our clients see their credit score increase 30+- points or more in the first 35 days.

Over the full 180-day term of the contract, the average credit score increase is 80+- points

Keep in mind every have different situations and credit reporting history.

Why are your results different?

There are two sides to the credit score battle. Sometimes, the creditors and the credit bureaus have done absolutely everything right and we have no case against them. On average, clients are able to remove 70% of the negative items from a credit report.

Will the removed items come back?

Items cannot come back as long as the item are not verifiable, is current or paid at the time of removal or if the collection is older than three years. This holds true except in very rare circumstances.

What items can you help me to remove and improve?

With our assistance and document processing, our clients have had great success with bankruptcies, foreclosures, collections, charge-offs, repossessions, medical bills, credit card debt, inquiries, late payments, old addresses, judgments, tax liens and student loans.

What is a Credit Score?

A credit score is a number generated by a mathematical formula that is meant to predict credit worthiness. Credit scores range from 300-850. The higher your score is, the more likely you are to get a loan.

The lower your score is, the less likely you are to get a loan. If you have a low credit score and you do manage to get approved for credit then your interest rate will be much higher than someone who had a good credit score and borrowed money.

Therefore, having a high credit score can save many thousands of dollars over the life of your mortgage, auto loan, or credit card.