Skip to content

Credit Absolute

Credit Repair FAQs

How Much Money is Your Credit Costing You?

Most Common Questions About Credit Repair

Credit repair is a service provided under the CROA that allows credit repair service providers to assist consumers in the correction of items on their consumer credit reports that prove to be inaccurate, outdated, or unverifiable. Any credit repair agency that claims to be able to remove ANY item other than those identified above is in violation of the Credit Repair Organizations Act.

  • We will assist you in obtaining credit records for you from all three credit bureaus;
  • Within 3 to 7 business days of our receipt of the Start-Up Payment, we will set up your own Private Client Portal which will allow you to check the progress made in your credit restoration process during the term of this Agreement;
  • We will periodically post credit education materials to your Private Client Portal for your review. We will notify you by e-mail when new educational materials are posted to your Site.  We will send these materials to you by US Mail if you do not have an e-mail account.
  • Within your Private Client Portal we will provide you with budget planning tools such as a budget workbook, family finance planner, budget tools, budget calculators, loan repayment calculators and compounding savings calculators;
  • We will prepare and submit an initial round of dispute letters for items appearing on your credit reports, which you indicate are either inaccurate, incomplete, obsolete or unverifiable as per the Fair Credit Reporting Act;
  • We may prepare and submit follow-up additional rounds of dispute letters with the credit bureaus, if it is allowed by law, as per the Fair Credit Reporting Act, Fair Debt Collection Practices Act, Fair and Accurate Credit Transactions Act, and the Fair Credit Billing Act, and subject to an additional fee as described below;
  • We will post all resolved items to your Private Portal;
  • We will provide telephone and e-mail assistance in answering questions regarding your credit restoration process from 9:00 am to 6:00 pm, MST, Monday through Friday (excluding holidays).
  • We are only able to challenge items under the rules of the above Acts as allowed by law;
  • Although we will provide the services which are described in this Agreement, unfortunately we are not able to guarantee any particular result.

We can’t tell you upfront that ANY item can or will be removed from our clients’ credit reports. Again, like all legally compliant credit repair agencies, we can only remove items that show to be inaccurate, outdated, or unverifiable. However, MANY items on most people’s reports could fall into one of those categories. For a list of items we have helped remove in the past, check out our results page.

  • We provide all our clients with an estimated time frame for service. In general, clients are usually with us from 6 to 12 months. This is just the usual time frame people choose to stay in our program. Since we do not charge deletion fees until we achieve results, we work to achieve those results as fast as possible.
  • We have a 98% success rate though increasing your credit scores by 40 to 100 points in 90 days or less IF you follow our education and coaching plan!
  • We help delete over 70% on average inaccurate, outdated or unverifiable items from your credit report.
  • We have 98% success rate increasing your credit score 40 to 100 points on average on 90 days or less!
  • For our credit repair or other services costs, please refer to our pricing page. This section will serve to inform you of all other associated costs. These costs may include:
  • A credit monitoring account. This will cost roughly $15-$30 per month
  • The first round of letters are included in the full credit consultation, the cost of each additional round of dispute letters is $65.00
  • FEES FOR NON-COMPLIANCE
  • Cancellation Fee – Without File Review – $100
  • Our clients are always welcome to cancel at any time with no fee. All we ask is that we are allowed to do your final file review. However, if you cancel without allowing the final file review, then a $100 cancellation fee will be charged. Additionally, if we cancel your file due to an inactive monitoring account, the same $100 cancellation fee would apply.
  • NO!!! That’s insane. We are the experts and will do all the heavy lifting or you. Let us deal with all the credit dispute tactics while you sit back and build new credit with our education plan.
  • We are a full service credit restoration company to guide and help you succeed every step of the way.

The simple answer is because the credit bureaus say so. Unfortunately, there is wording in the law to require you to give them information. If you don’t supply the proof of your identity and address, the bureaus will simply ignore your dispute and you will get nowhere. Below is a list of what can be used as proofs.

You must send at least two of the following:

  • Driver’s License
  • Social Security number
  • Cancelled Check
  • Utility Bill
  • Pay Stub
  • W2 Form
  • Lease Agreement
  • Bank Statement

As much as we would like to, there is simply no way to know the answer to this question. There are far too many factors involved in the credit scoring model; the biggest variable being the “human factor”. We don’t know what you are going to do during this process. You might get new lates, max out credit cards, get new credit, get new collections, get a judgment placed against you, or one of hundreds of other things that would change the outcome of your service. REMEMBER! Credit Absolute is hired only to help remove items from your report that you wish for us to work on, the score change is simply a byproduct of our service.

Short and sweet… NO. As a company who only gets paid for performance we want this service done as fast as possible. We would love for there to be a legal way to make things “disappear” in seven days. However, it just doesn’t exist.

Now for a little more detail… From the time the credit bureaus receive your dispute, they have 30 days to respond. This leads some people to believe that if it has been more than 30 calendar days, then they MUST remove those items. This is simply not the way it works. There are sections of the law that allow them additional time under certain conditions. This is a process and we are experts in identifying all the smoke screens the creditor and credit bureaus send to help maximize your deletion results.

  • Some companies try to speed up their service by using online disputes. There are a whole host of reasons NOT to do this. Additionally, you should never dispute online either. Here’s why:
  • When a dispute is entered online, it goes into EDRP or expedited dispute resolution process. This sounds great until you read a little further unto the FCRA. It clearly states that if a dispute goes into EDRP then the bureaus do not have to comply with certain sections of the FCRA.
  • Did you hear that? They get to ignore the law!
  • The sections they don’t have to comply with are also quite handy in the credit repair process. One section is the “Method of Verification” section. If an item comes back as verified, they don’t have to tell you “HOW” it was verified. Another section is the “Re-Insertion Letter” section. Usually, if an item is deleted, there are steps the bureau must follow in order to be able to re-insert that item. One of these steps is to send you a re-insertion letter before placing the item back on your report. The simple cost of creating and sending this letter drastically limits the amount of re-inserted items. If an item is processed under EDRP, THIS LETTER IS NO LONGER REQUIRED! They can just put the item back whenever they get good and ready.
  • Just take our advice… Don’t dispute online.

Credit repair is kind of like getting your car fixed… The mechanic is going to need to see under the hood. You keeping a monitoring service is our way of looking under your proverbial credit “hood”. It allows us to see exactly what needs to be done and check up on the bureaus and creditors. When they say something has been changed, we want to make sure it is REALLY changed. Keeping a monitoring service is a requirement of our service. As per our Terms of Service, failure to keep an active monitoring account could result in a $100 cancellation fee.

Schedule a No Cost Credit Review & Receive Our E-Book

Credit Absolute
4.9
Based on 170 reviews
powered by Google
Joshua Hawkins
Joshua Hawkins
20:21 30 Sep 21
I love this company I have been thru many different credit companies and no one works like they do! Last month had some financial issues due too moving and loss of job! They set up payment arrangements and let me prolong the payment to them due too not having the money! Shout out to Felisha for being so amazingly kind and supportive! You guys are great keep up the good work and positive vibes!!!!
Taylor Williams
Taylor Williams
16:41 23 Sep 21
I worked with Credit Absolute recently and had a great experience. Derick was prompt, ready and listened to my goals. He gave me the facts and has made positive impact in my scores. Thank you Credit Absolute and Derick!
Elmer J. Howard
Elmer J. Howard
20:46 20 Sep 21
Credit Absolute is great at working legitimately with clients to fix and remove negative information from credit reports. They also provide very helpful credit counseling and education. I highly recommend them and refer clients over to them.
Ceylan Wiersum
Ceylan Wiersum
19:11 02 Sep 21
Derick and his Team are just wonderful and have been so helpful answering all my Credit Issues. I reached out to them about being a few months behind with Credit Card payments, and Derick was totally honest that I don't even need his help, I have a good Credit Foundation and explained how I just need to contact my Credit Card Company. He did not try to sell me on his service, he said I can take care of this and fix my situation without his help just fine. But he was so kind to still took the time and answer any of my questions and concerns. I will definitely keep him in mind for future needs!
Seth Harris
Seth Harris
20:35 09 Aug 21
I highly recommend using Credit absolute. I’m just 2 months my wife and I, with so much help from them, have been able to see significant changes in our credit score. They have helped in advising us in different areas with credit cards and being able to leverage our credit. Thank you to this team and all the help they have given us.
Nicole Johnson
Nicole Johnson
22:27 28 Jul 21
I decided to go with Credit Absolute the end of May 2021 after reading positive reviews. I was skeptical at first, but like some others decided to give them a chance. I had tried other credit repair services in the past, but was looking to try a company that did more. I’m glad I did! Nothing but positive results thus far, their method seems to work as I’m getting negative items deleted and corrections updated to my file. Also, my credit scores have increased significantly. Really happy I chose Credit Absolute.
Daisy Dragos
Daisy Dragos
20:15 03 Jun 21
The folks at Credit Absolute have completely changed my life! They aren't the type to just "set it and forget it". They take on your individual case and go in depth to help you make the right moves to get your credit score up. Their attention to detail and responsiveness are unmatched to any other financial institution/advisor I have worked with in the past. I love the fact that we have monthly 1 on 1 reviews to go over my progress and to set next steps on how to keep improving (they also hold me accountable, which I need haha). If you are like me and never had much education on credit best practices, Credit Absolute will guide you step by step and they are always willing to answer questions or provide you with the resources you may need. They are a company who TRULY cares about their clients and it shows. I have been working with them for about a year now and not only has my credit score gone up significantly, but I now have the education I need to continue to make wise financial decisions in the future. I am glad to have Credit Absolute as apart of my "team" as I work towards my financial goals!
Mark White
Mark White
19:47 28 May 21
I was surprised by the results. It happened relatively quick and I was very impressed with the true professionalism. My credit has now improved to where my scores are up by over 100 pts and I was able to open two credit cards and start my way back to having great credit again. I highly recommend this company and will refer anyone who needs to improve their credit. Thank you team for all that you did and continue to do for me.
AllHail TheQueen
AllHail TheQueen
23:27 14 May 21
I started Credit Absolute in April 2020, we are now in the beginning of May 2020and my score has already increased tremendously. I was not expecting movement so soon! The team is very well versed and experienced in what they do, most importantly they love helping others get credit approvals and it shows. You are provided with a lot of resourceful videos to get an understanding of how credit works, the myths, and the methods to help you get back on track. In addition, the team is very attentive with updating you every step of the way, sending you emails of progress and setting up one-on-one sessions. I joined Credit Absolute to get me on track to purchase a home & I can easily see that happening sooner than I thought. I am grateful for their quality of business, it was the best decision I made.
Alexander granillo
Alexander granillo
22:56 20 Apr 21
I have been a client of Credit Absolute for over a year now and it truly has been one of the best decision that I have ever made. Credit Absolute helped to improve my credit score and I am so happy about it!! Their staff (Felicia, Karina) are extremely helpful and resourceful. I highly recommend Credit Absolute if you want to improve your credit score!!
Bryant redd
Bryant redd
20:22 13 Apr 21
After reading all of the great reviews about Credit Absolute, I decided to give them a shot. I do not regret that decision! When I first started out my credit score was below 500 with a TON of accounts in collections and late payments.. Fast-forward a few months, I'm now sitting at a 600+ credit score 80+ late payments removed, and I'm almost ready to buy a house. The whole team over at Credit Absolute have been so helpful in guiding and teaching me throughout this process. (A very special thank you to Felicia for being so welcoming and available to answer EVERY question I have ever had about credit.) A little advice to people contemplating on whether or not to join - DO IT. Initially, I was hesitant because some things just seem too good to be true, right? Wrong. It really is THAT easy.. These people go to bat for you and they LITERALLY do all of the work. You have nothing to lose. If you are looking for credit repair, you're here for a reason. If you don't do anything about it, nothing is going to change. Give them a chance. I wish I had done this years ago.
Matt Pine
Matt Pine
15:46 07 Apr 21
Was referred to credit absolute by a mortgage lender to raise my credit score. Within the first 2 months my credit score improved by nearly 60 points. Great service , staff is wonderful and always available for support. Well worth it👍👍👍👍👍
Bri K
Bri K
20:58 12 Mar 21
I’m so grateful for Credit absolute. From the very beginning speaking with Derick I felt at ease because he was so knowledgeable about how everything worked. Then there are his associate Felicia and Karina who have both been so great through this entire process doing monthly reviews so I can see first hand the progress and improvement. I will say it was a lot I didn’t understand about credit until I started with them and now I feel comfortable and equipped to better manage my credit successfully. Most importantly though is the fact I got real results! My credit score has went up almost 40pts since starting last summer and I honestly couldn’t of done it without this company. I still have a little ways to go but I’m confident I will almost A1 credit once I’m completed because it hasn’t even been a year and I’m seeing major improvements.
Daniel T
Daniel T
15:10 09 Mar 21
So far good company to work with, very professional, yes they are busy but they will respect all appointments. I missed one of my appointments with them and they called me until I answered and rescheduled and got it done. Thx to them, got a few deletions as well and they will definitely help you out. I do recommend!!!!
Krystal McClure
Krystal McClure
22:46 11 Feb 21
This company is awesome! They have a great team who are very straight forward and honest. They answer any and all questions you may have throughout the process. There are no surprises, they do a very great job providing all the information you need prior to any commitment. Derogatory items were removed and my credit score shot up in less than 5 months. Wow!
Ulysses Martinez
Ulysses Martinez
21:06 05 Jun 20
Credit Absolate is helping me get my credit score up. They have done by far a fantastic job. I couldn't be more happy with the experience and the customer experience is phenomenal as if your part of the family. They make sure you understand your credit usage and the educational videos are very clear. They are changing my life around. Just being with them for 2 months I got my score from poor to fair and dropped of some accounts from my cresit report. I cant thank them enough. Truly a success story
Angel  Maldonado
Angel Maldonado
14:27 30 May 20
They are amazing! Not just Derk but the whole team is great. The videos they provide are so helpful. They just don't help you improve your credit score, they also teach you how to manage your credit score. If you have bad credit contact them 1st before you even start trying to fix your credit on your own!!!
Keith Russell
Keith Russell
23:40 29 May 20
Easy to work with. Very fact based and focus on teaching me how the credit scoring system really works. My credit score increased by 100 points. Best investment in my credit worthiness. Great customer service, this is the real deal.
Fanisha Vela
Fanisha Vela
16:05 05 May 20
This is a wonderful team to work with. They have made the process so easy and efficient. Results seen within the first round of action!
Brandon Dickinson
Brandon Dickinson
01:04 26 Mar 20
What an awesome team. They work hard and get things done. My credit has jumped amazingly and the coaching videos are very informative to every detail. Would recommend this company to anyone looking to better their credit.
Bre Udave
Bre Udave
22:59 04 Mar 20
this has been one of the best experiences i've had working with a company! i am very happy with my success thus far and everyone (especially Leslie) has been so helpful with everything! If you're looking to fix your credit, stop searching and use this company!!
Steven Lasseson
Steven Lasseson
14:51 28 Feb 20
I've tried a few other credit repair companies and Credit Absolute has provided the best service I've come across. In just over a year, they were able to get numerous items removed from my credit report. The process is simple, the staff is easy to work with, and the results are everything you'd hope for. If you are looking for help in your journey to financial freedom, do yourself a favor and give Credit Absolute a call.
Kade Deeyor
Kade Deeyor
21:51 19 Feb 20
Credit Absolute has been a huge help for me. Since the beginning I’ve seen an enormous increase in my credit score. Felicia and Leslie are especially helpful, concise, and very informative. They both always get back to me within minutes if I have any questions or concerns. I would highly recommend Credit Absolute to anyone seeking a better understanding of how Credit Scores actually work or if you’re looking to increase your scores.
Phuong Mai Pham
Phuong Mai Pham
17:56 13 Feb 20
Credit absolute has helped me tremendously over the past few months. My scores for all 3 credit bureaus have increased by 50+ points. I appreciate the education on credit. I am now much more knowledgeable and strategic about when I should and should not use my credit cards. I look forward to my progress as my goal is to purchase a home by the end of the year!
Doug Donaldson
Doug Donaldson
06:13 21 Dec 19
I noticed a few changes on my credit report that had lowered my score which concerned me and after looking at reviews online I decided to set an appointment with Derek at Credit Absolute. I was fully expecting to spend hundreds of dollars for his advice on what I should do to get it back up to where I had it. After consulting with him and looking in depth at my report, he gave me some tips and helped me understand how the 3 bureaus work and what I could do to increase my score. Best of all..... he didn't charge me a penny. Derek is an honest guy, running an honest business, and if you are looking to build your credit score then he is the guy to turn to. It was about a year ago that I met with him and my score is up over 90 points. 10/10 would recommend Derek at Credit Absolute!
Ashley Krolak
Ashley Krolak
21:58 25 Nov 19
Thank you to entire team at Credit Absolute! We have accomplished so much in a short amount of time. They have helped my whole family increase our scores. They are organized, helpful and get the job done all while teaching you helpful hints along the way. I highly recommend this company for any credit needs.
dan uyematsud
dan uyematsud
21:29 13 Nov 19
Simply the BEST!!!!!!! Derick, Felicia and Becky are extremely good at their job. They work very hard to teach one how to improve their credit as they work very hard on their end to build your credit. I am very pleased as I see my credit score increasing in a short period of time. Thank you again, Dan U
nestor victore
nestor victore
22:14 04 Nov 19
You guys have done an amazing job, I'm very happy with my score has improved over 100 points. I'm happy with you guys services and help, thanks.
Tina Abbott
Tina Abbott
02:07 01 Nov 19
My experience with Credit Absolute has been nothing but wonderful! The entire staff are very knowledgeable and understanding. Felica is the one of the nicest people.
Christopher Moore
Christopher Moore
15:10 03 Oct 19
Communication with Derick and the team couldn't be better. I spoke directly to Derick and he was upfront, honest and didn't waste time. I would certainly recommend Credit Absolute to anyone who is looking into credit repair. They'll give you an honest overview of where you are and what they can do to help you reach your goals!
David Burgess
David Burgess
19:02 20 Aug 19
Derick and his team have been extremely helpful and informative throughout this entire process. I would recommend to anyone who wants/needs to repair credit quickly! Worth more than the money without question!
steve moore
steve moore
23:32 16 Aug 19
Derick and his team were awesome! I would highly recommend their services if you are looking to refurbish your credit score!!! +A all around for his team and the willingness to help me out !
Zacary Roberts
Zacary Roberts
03:00 26 Jul 19
Felicia helped me out so much, the company is professional l, but they treat you like your their only client. They are thorough and honest and my credit score has gone up remarkably ever since I started working with them. Thank you so much!
Chris Gunn
Chris Gunn
18:50 25 Jul 19
Good folks. Money well spent. Their service works! I finally got my credit straightened out to where I could buy a home because of them.
Christy Russell
Christy Russell
15:37 25 Jul 19
This company provides a great service! Friendly staff, plain-spoken, direct, no nonsense. They really make you feel like they care. Simple and straight-forward approach. They analyze your credit report and quickly make a plan to step-by-step repair any flags. I highly recommend their program.
Christian Wunder
Christian Wunder
19:35 18 Jul 19
They have been great to work with. Going on 3 months now and my score has taken a huge jump. I've had items removed from my credit and every month we go over our strategy to maximize the improvements. Highly recommend :)
Baron Adelmann
Baron Adelmann
21:59 26 Oct 17
Derick and his team have helped me tremendously! He explains the process of improving your credit and does all of the work for you! My credit score has improved drastically and I know that I couldn't have done it without the help of Credit Absolute. Because of them, my business has continued to thrive in a way I never thought possible. Thank you Derick and the Credit Absolute Team!
Gabriela Lovelace
Gabriela Lovelace
23:17 30 Jun 17
I want to thank the wonderful team of Credit Absolute for all the work they did in help me clean my credit! They have teach me how to keep my credit clean and how to make it grow! I will be their customer for life and I recommend to anyone who needs help with their credit! Credit Absolute you are awesome!!!!
Sho Sho Smith
Sho Sho Smith
22:31 16 Feb 17
Derek just made my day when I thought my credit was being compromised due to a balance on my late husband's credit card. He checked it out my credit health and assured me that I lost no points and the balance was forgiven. Great news! He gave me pointers on how to get my credit score even higher to put me into the premium level and coached me on getting back on my feet, credit-wise, after my husband's death. A great experience!
Vanity Hernandez
Vanity Hernandez
20:15 19 Jul 16
I was referred to Derick when my credit score dropped 3 points as I was in the process of trying to get a mortgage loan. Derick gave me GREAT advise and also helped confirm all the credit myths I have overheard on how to improve your credit score. Not only did he give me advise, he not once tried to have me hire him like others usually do. Derick was genuine and that's hard to come across with business. :)
Ian Farruggio
Ian Farruggio
19:29 05 Jul 16
Derek was completely professional and offered helpful suggestions to help me improve my credit. He was honest, in that his services were really not needed and helped to point me in the right direction free of charge. If you have any questions regarding your credit, this is the only place to go!!!
Next Reviews