Client Review

Frequently Asked Questions

Why should I Use The Credit Guy for Credit Repair?

The Credit Guy assists consumers in increasing their credit scores. Credit Repair is a complicated process and consumers can easily become overwhelmed. Most individuals simply do not have the time, knowledge, experience, or patience to deal with the massive bureaucracies and red tape of the credit bureaus. The Credit Guy eliminates the time you would spend gaining knowledge of the consumer laws and rights under the Fair Credit Reporting Act (FCRA), Fair Debt Collections Act (FDCA) and others laws affecting your credit.

Why Fix Your Credit?

The more negative items you have on your credit, the lower your credit score will be. Which means, when you have these inaccurate negative items reporting on your credit report, you are forced to pay higher interest rates on auto loans, mortgage loans, credit card accounts, and even insurance costs which can end up costing you thousands of dollars.

How Long Before I See Results?

The timeline varies, but clients often see positive changes in as few as 30 to 45 days. The total duration depends on the number and complexity of items being disputed.

Can We Communicate via Email?

Yes! You can always email us at [email protected] with any questions you have. We’ll get back to you promptly so you are always moving forward. If you are not already a client and have questions about the service please email us at [email protected], If you are a member and have questions about your account email your personal repair counselor for assistance.

What Are The Costs?

The Credit Guy offers two programs, Monthly or Flat Rate, we keep it simple. Monthly Subscription is $99 down and $99 per month, Cancel Anytime. Flat Rate is $500. Couple Monthly Subscription is $168 down and $168 per month. Flat Rate is $800 for couples.

Do you contact only credit bureaus?

The Credit Guy will contact creditors as well as the credit bureaus in our efforts to dispute and remove negative or inaccurate items from your report.

Will you work with me if I have a Bankruptcy?

Yes, But this is case by case depending on your repair needs. Please contact us at [email protected] with questions or for a free consultation. The short answer is that yes, we can help with bankruptcies; however we are honest and upfront when helping you identify your expectations. CSS can also help you reestablish credit after a major event like a bankruptcy, foreclosure or repossession.

What if my negative items are accurate?

The Credit Guy can still help you clean up negative items even though they may be accurate. We do this by fully exercising your rights under the governing consumer laws.

Will pulling my credit report hurt my score?

Accessing your own credit score does not affect your score. Access to your own credit scores on demand is one of your many rights under the consumer credit laws.

How do I get started?

You may Sign Up on line (click on register) directly or complete the short form to request a Free Consultation (contact us). Either way, a Credit Counselor will be assigned and contact you shortly via phone and/or email to assist you further. You may also signup or request info via phone at 662-528-7350 or email us at [email protected].