FAQs

Yes, credit repair is legal under the Credit Repair Organizations Act (CROA). The act requires credit repair organizations to follow strict guidelines, such as disclosing their services and fees upfront, and not making false or misleading statements to their clients.

Our team starts by reviewing your credit reports, disputing any errors or negative information with the credit bureaus, and negotiating with creditors to have the negative items removed or modified.

Yes, you can do credit repair on your own. However, it can be a time-consuming and complex process. Hiring our company is a convenient and effective way to improve your credit score.

A client needs to have been paying all bills on time for the last 3 months. They should not have been working with a credit repair agency in the last 6 months to one year or disputed their own items. They should also not be in an active bankruptcy; dismissed or discharged status is okay. Client must be able to afford the fees involved with the restoration services and keep all active accounts on credit file current.

We will ask questions to assess if our program is a good fit for your current situation. We will also review your expectations and goals for your future (car, home or just improvement). Lastly, we will review your 3 Bureau Audit analysis in detail to provide you with a customized game plan to help you achieve your financial goals. (Client must already have signed up for the recommended Credit Monitoring service at least 24 hours prior to the consultation to be eligible for the audit analysis). The credit consultation is typically between 15-30 minutes.

We will begin working on your file as soon as we receive the signed service agreement and the onboarding documents from you. The first round of challenges will be sent out within 3-5 business days from that point. We will notify you of any updates within 30-45 days. We ask that when you receive the updated reports that you submit to us within 5 business days.

Each credit file is different; therefore, no exact time can be provided. It will also depend on how severely damaged your credit file is. Most files can be improved within 6-9 months. However, we focus on helping you rebuild positive credit in addition to removing inaccurate, obsolete, negative items.

We do not guarantee deletions! However, we will work hard to have inaccurate, unverifiable, and obsolete items removed from your credit report. Most of our clients see results.

Services are provided on a month-to- month basis and clients may cancel their service at any time at least (3) three days in advance of any upcoming recurring payment. Send an email to Support@creditofpeace.com requesting cancellation. Please include “CANCEL “in the subject line. In the body of the email be sure to include full name & email address and a short description on why you are cancelling services.