• Yes, you can. There is technically nothing a credit repair agency can do that you can’t do yourself. However, you need to be willing to put in the work and educate yourself about credit law. In fact, you can find DIY kits and other resources like books online that will give you the tools necessary to begin yourself.
• Keep in mind, however, that it is a lot of work contacting agencies and creditors. The process of trying to work out settlements and verify information can be daunting. For this reason, many people choose to have credit repair company to do this work on their behalf. Not only are they diligent in their work, they also know the ins-and-outs of credit repair better than anyone.

Your free consultation is provided to explain the services we offer, what affects your credit either positively or negatively, and how your credit score is determined. This is also a great opportunity to ask questions. If you choose not to use our services after your free consultation you are not liable for any charges.

Credit Repair is actually the process of removing inaccurate, unfounded, out of date, false, and erroneous information from your credit report. Your credit report dictates your credit score. The 3 major credit bureaus collect information from lenders, creditors, and debt collectors and apply it to your credit report. Based on that information, your credit score is determined. This information could include the balances on loans or credit cards, credit inquiries, debt to income ratio, and most importantly, credit utilization (the percentage of debt you have to available credit)

Yes, we adhere to a very strict privacy policy that protects all of your valuable information.  All client information is protected on a secure server and backed up routinely. To ensure documents are not compromised, we shred all paper documents after saving them in our database.  We use secure computer terminals as well as an encrypted database. Every Credit Miracles employee is trained to properly verify customer information and never to disclose this information to unauthorized parties.  Please review our privacy policy for further information.

Though you do sign a customer contract, they do not have mandatory service terms. We strictly provide a monthly service that you may cancel at anytime. Please remember, we only bill on 1st or either the 15th of every month for the work that has been completed the month prior.
Just like a utility provider, you are liable for your final months payment after cancelling our service.

That answer really depends on your personal goals. Whatever your personal credit and financial goals are, it’s important to remember that credit repair is not an overnight “quick-fix” and takes time. Many people can start to see an increase in their score in as little as 30 days but the process of going from bad credit to good credit typically takes much longer. Your score didn’t get bad overnight and it doesn’t improve that way either.

Credit repair works best for people that have already come out of their personal recession. Are you able to afford your existing bills and lifestyle but are being held back from getting good (or any) financing on a new car, home, or loan? If so, we want to talk to you.

Yes, We can help send a Cease and Desist to ask them not to call anymore.