Frequently Asked Questions (FAQ)

Below are a few of the most commonly asked questions we receive.  We want to educate our customers on exactly what services we will be performing for them.  Always feel free to call or e-mail us if you have any questions or concerns about our service. 

Q. How Are The Credit Repair Fairies Different?
A. We know that choosing to use our service is an extremely personal and private matter.  We will work to explain what we believe we can do to help and determine a path to great credit! Though we cannot explain all the techniques we use to successfully work on your account, we will explain WHAT we feel we can do and if we feel our services will work for you.  Our first priority is to help our customers achieve their goal of better credit.  This is a partnership, so we always inform our clients of what they need to do to make the process work most effectively.  Many companies that claim to "repair your credit" try to do so by outsourcing to other companies and even using ineffective software that attempts to do the work for them.  We believe in hiring and training hard working employees that can thoroughly review your credit reports and dispute inaccurate information from them.  Our technique provides a much higher success level as well as provides our customers with a more personalized experience.  As part of our promise to deliver the highest level of customer service, Our customers receive a monthly update call, e-mail, or text message (depending on their preference).  This ensures that our customers are aware of the progress we are making while also reminding them to bring in information that may be needed.  This service is rare in the Credit Repair industry and we pride ourselves on being able to offer it.  

Q. Are there any startup fees?
A. Yes there are start up fees we will find a solution that works for you.
Q. What is included in the free consultation?
A. 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.

Q. How does credit repair actually work?
A. Credit Repair is actually the process of removing inaccurate, unfounded, out of date, false, and erroneous information from your credit report.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)

Q. Can you remove anything from my credit report?
A. We can only fight to remove any items that fall under the guidelines of the FCRA (  These are items that should be removed due to being inaccurate, unfounded, out of date, false and/or erroneous.  

Q. How long does it take to repair my credit?
A. While we try to remove inaccurate, unfounded, out of date, false, and erroneous information as quickly as possible, it is impossible to give an exact timeline as each case is different.  The more items we are fighting to remove, the longer it might take.  A general timeline is between 3-9 months, though sometimes it may take a bit longer or even shorter timeframe.  Ask your sales representative about our priority service that can potentially reduce the repair time needed.

Q. Can I still be a customer if I'm not located in Texas?
A. Yes, we provide Credit Repair Services for residents nationwide (unless a restriction applies in a specific state).  Many of our clients are even deployed overseas and use our services while out of the country.

Q. If I'm on a 2-person plan, can we each pay or get billed separately?
A. Yes, we allow individual payment options on all of our plans.

Q. When is the best time to start your service?
A. This is determined by what your goal is.  Perhaps you are trying to buy a house.  If this is the case, you might want to get started at least 6-9 months before you plan on purchasing.  If you plan on purchasing a car, then you might want to opt for our Priority Service which can potentially improve your credit in just a few months.

Q, Can I repair my own credit?
A. You have the ability to dispute any information on your credit report you deem as inaccurate, unfounded, or incorrect.  Many of our customers have tried doing this themselves only to find out that the process takes too long, is confusing, and full of challenges they deem too stressful to deal with themselves.  We take the burden of disputing off your hands and have the ability to speed up the process through experience as well as techniques that are unique to us.  Think of our service like you would think of a Tax preparer, Legal Service, or even a plumber.  You could probably do it yourself, but perhaps not with the same end results. We highly suggest that all of our clients and prospective clients take some time to learn about their credit, credit reports, as well as the process of repairing their own credit.  You may feel doing it yourself is the better route for you and your situation.  This is personal decision and we will never pressure you into using our services over doing it yourself.  

Q. Is my information secure?
A. 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 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. 

Q. Can I sign-up online?
A. Yes, Complete the contact me form and you will be contacted within 12 business hours by a Representative to gather additional information, review your credit reports, and determine a plan of action.  This is also a great time to ask any questions.  We will collect payment information ONLY if you decide to start service after reviewing your credit report.

Q. What is the best payment method for your service?
A. We accept several payment options.  We also have the ability to debit and accept automatic payments.

Q. Do you offer a service that will replace my identity with that of another person?
A. NO! We do not engage in ANY TYPE of identity theft and will not under ANY circumstance.

Q. Am I locked into a contract?
A. 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.   

Q. Do you have a Referral Program?
A. Yes, please contact the office at 877-364-2983 for details.  Terms and Conditions Apply.  Not available in every state.

Q. What is an affiliate?
A. An affiliate is a person or company that chooses to refer friends, families, or customers to us for Credit Repair Service.  Becoming an affiliate is quick, painless, and best of all FREE!  Affiliates can earn money every time they refer a customer that signs up for service!  Depending on what type of an affiliate you are, you or your business could earn from $120-$500 per client that signs up for Credit Repair service with us.  Affiliates will have the responsibility of providing information as well as potentially reviewing information with their prospective referrals.  This is determined by the type of affiliate you elect to become.  If you are interested in learning more or ready to sign up as an affiliate, please call the office at 877-364-2983 and complete an affiliate application and you will be contacted.You will be responsible for any income taxes associated.