When you sign up for our free service, you must choose the items appearing on your credit report you feel are incorrect, unfair, or questionable. You then can contact your creditors to demand their removal. If the creditors do not fix the mistakes, you can up the pressure and give new information as to why this item should be removed from your reports. Additionally, as your credit improves - we provide tailored recommendations for credit building products such as low interest credit cards, personal loans as well as auto and home loans.
There is no cost, this is a free service. This business model may seem bizarre because we do not charge anything for our service, but it is - we truly do not collect fees for our DIY credit repair service. Everyone should monitor his or her credit and in order to help you, you will be required to keep an active credit monitoring account with our credit report partner CreditStripe.com. (Credit monitoring does have a cost to it and we cannot prevent them from collecting their fees.) The purpose of the monitoring account is twofold. One, we need access to your credit in order to receive the credit information so you can begin working on your credit and two; it will allow them to monitor and inform you of any changes in your report as needed. The cost for credit monitoring is a small fraction of what you would pay a traditional credit repair company and it provides you with valuable insight and tools to keep an eye on your credit and improve it.