FAQ's

Credit repair is a subject everyone should know about. That's precisely why we're here to answer any questions you may have. Here are the answers to our most frequently Asked Questions.

If you have a question which hasn't been covered, please feel free to Contact Us and one of our credit repair specialists will get back to you immediately.

Frequent Asked Question

Do you have questions? We are here to help. Below is a list of Frequently asked questions to help. If you need additional assistance feel free to just give us a call (866) FIX-1421


What does it take to get started?

In a matter of minutes, you could be on your way to credit score freedom. You can simply sign up right through our website Here if you choose. You will receive a follow-up email and a credit professional will call you to get the necessary information to start your credit repair today. Or you can call to sign up now at (866) 349-1421.

What exactly does your program do?

Once you Sign Up, our accredited staff will perform the following: We perform an in-depth analysis of your credit report to review every single item. Anything we identify as incorrect or objectionable, we dispute these items by sending "dispute letters" to your creditors or bill collectors to clear the faulty marks on your credit report. And of course, Credit Repair 1st staff will consult with you every step of the way to make sure you're informed of exactly what we're doing every step of the way.

How much does it cost?

If you sign up today, you can get started for just a one-time initial fee of only $99.99 with a 99.99 monthly fee beginning in one month. Our Freedom Program is one of the most cost-effective programs available on the market. We don't offer add-ons that raise the price like most of our competitors. Our programs are complete the minute you buy it. Cancel at any time, no cancellation fee and no strings attached.

Is your program automated?

No way! Credit Repair 1st has a dedicated team of credit repair professionals who improve our clients' credit scores daily. We design every credit repair program on a case-by-case basis before we ever send out any dispute letters or communications. Be weary of other credit repair companies who only rely on automated dispute software to handle your entire account. We acknowledge that everyone's situation is different; and that no two credit reports are ever the same. That is why we work 1-on-1 with all of our customers to provide fully personalized solutions to your exact credit situation.

Are there any guarantees?

Yes. We are confident that our services will achieve your full satisfaction.

That is why we offer all of our customers a 100% money back guarantee for the previous month's work performed! If at any time you feel we have not performed up to your satisfaction during any given month, write us a letter about it, requesting a refund, and we will refund your payment for that entire month, no questions asked. This is because we are confident in our quality and pride ourselves in our results.

Can my spouse sign up as well?

Of course. Credit Repair 1st even offers a "couples discount" to married couples who sign up together. Whether you share joint accounts or not, we always say; If you're together during bad debt, why not be together in your new credit freedom?

Will Credit Repair 1st be able to help me establish new credit?

Yes, of course. We believe in helping our customers through to the end. Upon request, our credit professionals can help you apply for a secured credit card. In many instances, a small deposit is required, but this covers your entire line of credit. Currently, secured credit cards are offered by both MasterCard and Visa. We will help you make the right choice and apply for the card that is best for you.

Will your personal information remain private?

Yes. Our Privacy Policy explains your information is always kept private and kept very secure. Credit Repair 1st will never share your personal information with any third parties for any reason, unless it is required to process your payments.

Does running my credit hurt my credit score?

Requesting your credit report won't negatively affect your credit score. However, it's very important to know there are two separate types of credit inquiries; soft inquiries and hard inquiries. Soft inquiries do NOT affect your credit score (soft inquiries pertain to requesting your own credit report, lenders checking your credit before giving you a line of pre-approved credit and the instance that an already established lender decides to review your existing account). A hard inquiry WILL affect your score negatively; but this will only come into play when your credit is run in an attempt to open any new line of credit.

97.8% Customer Recommendation Rating!

4.7 out of 5 Average Customer Satisfaction Rating

* Based on 64,608 verified post-closing customer surveys from Jan 2013 – Aug 2017. 97.8% of those surveyed would recommend Credit Repair 1st to friends and family.

More than 50,000+ reviews from satisfied customers

What Client Say

Our clients are our top priority. We pride ourselves in good customer service and do alot of business from client referals.


Credit Repair 1st has been great since day one. Every time I called in with a question, I had my own personal Account Rep to answer all my uncertainties. Thanks for such great customer service!

Jon Farrell

Jon Farrell Sydney Australia

I was denied for a new car loan over the holidays but after only 4 months of credit repair services, I was approved for a loan 50% higher than the one before. A special thank you to Andrew over at Credit Repair 1st.

Graham Davidson

Graham Davidson Birmingham, England

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Credit Repair 1st has world-class, flexible support via live chat, email and phone. We guarantee that you’ll be able to have any issue resolved within 24 hours. You can contact support immediately here.

Questions about credit repair? Chat with an expert: 1 866-349-1421