Yes, you may cancel your credit repair services with Credit Surgeons at any time without any penalty or any further obligation.
No, once an account is deleted from your credit report it is removed permanently.
You will receive updates on your credit report directly from the credit bureaus (Experian, Equifax, and TransUnion) via standard mail. These letters will contain the results of the investigations which we initiated.
You can also view your progress via our online client portal where you will be able to see what accounts we are working on, accounts that have been deleted and accounts still remaining on your credit reports.
Yes, if you have trouble obtaining your credit reports please contact your credit consultant and we will be happy to obtain a credit report on your behalf.
Yes. You have the right to repair your own credit report, you may contact the credit bureaus third party data furnishers and credit grantors yourself. Given time, research and study, you can do much of what Credit Surgeons does.
Many people, however, choose to hire a professional credit repair company like Credit Surgeons to fix their credit because of the experience, knowledge and know-how we bring to the table. We have helped thousands of clients improve their credit reports; will you be our next success story? Get started today.
The program lasts as long as you decide you want us to keep working on your credit. Some clients are satisfied when they reach a credit score of 640 and cancel our services as soon as they can qualify for a mortgage. Others stay longer because they want to keep improving their credit and have higher goals in mind (750+). Our services are month to month so you keep us as long as you see fit.
NOTE: If we come to a point where we have done everything that we can to improve your credit scores we will cancel your services ourselves.
You should see your first results within 120 days of enrolling in our credit repair service. Realistically, you should allow for at least 90 days to see a significant increase in your credit score.
Every client’s situation is unique, that is why we create a custom Action Plan for every client. Having said that, typically, our clients reach their credit goals within 6 – 8 months of enrolling in our credit repair program.
No, your personal credit consultant may advise you on how to negotiate with creditors and collection agencies to get the best settlement deals. But, we are not a debt settlement company and will not contact your creditors to negotiate debt.
Yes, your personal credit consultant will advise you on where and when to apply for credit in order to establish credit and improve your credit scores.
The Credit Bureaus request identification documents when the personal information on your credit file does not match the currently provided information (i.e. current name, address, etc…) If there are any miss-spellings of your name, address variations, incorrect date of birth, social security number variations, the credit bureau may ask for additional documents proving your identity and current residence for security purposes.
It is important to understand that legal services are not guaranteed. Just like in a court of law where an attorney could never guarantee a client that a judge or jury would find in their favor. A credit repair company cannot guarantee that a creditor, third party data furnisher or credit bureau will find in your favor. Ultimately, the credit bureaus make the final determination on what is reported and what is deleted and the only ethical guarantee that Credit Surgeons can make is that we will advocate as best as we can on your behalf to reach a favorable resolution.
No, Credit Surgeons does not charge any additional fees.
No. Paying for credit repair services up front, before the service has been rendered, is illegal per the Credit Repair Organizations Act (CROA). Credit Repair companies accepting payment before performing services are violating the law.
Credit Surgeons do not accept payment in advance.
We have pricing programs to match any budget! There is a Monthly Fee of $137 charged 30 days after enrolling in our Credit Repair Program.
The Monthly Service Fee of $137 is charged 30 days after the First Work Fee is charged. (After all of the work for the previous month has been completed)
NOTE: You can cancel your services with Credit Surgeons at any time.
Yes, credit repair is legal as long as the company performing the credit repair service is a state registered credit services organization and follows the Credit Repair Organization Act (CROA), as mandated by the Federal Trade Commission (FTC).
Credit Surgeons complies with all State and Federal regulations to offer legal credit repair services.
Credit Surgeons can help clients within all 50 states as well as territories including Puerto Rico.
Bad credit affects every aspect of your life. Everything from whether you can get a job, get approved for a credit card, qualify for an auto loan, mortgage, or even get insurance, is all impacted by your credit score. Hiring a professional to fix your credit by doing all of the work for you saves you time and money. Put Credit Surgeons to work for you today, Sign Up Now for only $137.