Frequently Ask Questions

State and Federal Laws protect you, the consumer, and regulate the Credit Bureaus and the creditors that report to those Credit Bureaus. We will use our vast experience and expert knowledge to advocate for exercising your rights and helping you correct your reports. We assist you in disputing erroneous, incorrect, outdated, and unverifiable information as the law allows you to do.

The client will receive monthly reports from CRS with all investigation results. The client must review and follow the recommendations and forward any requested information. In addition, any correspondence and relevant information about the investigations should be sent to Credit Repair Systems, Inc. (CRS).

Most of our clients will begin seeing positive results within 45 days after we receive the Credit Reports. Of course, every situation is entirely different. How long it will take for any person to see results depends on many factors, such as the nature of their case, the number of negative items on the reports, the client’s participation in the program, for example, reviewing the monthly evaluation getting information requested to us, and the level of credit bureau cooperation.

This also depends on the nature of their case, the number of negative items on the reports, the client’s participation in the program, and the level of credit bureau cooperation. Still, on average, most of our clients have obtained the desired results by the 10th month. Of course, sometimes it takes longer, and sometimes it can take less time.

There is no charge to apply. You do not pay for credit repair services upfront. We charge you monthly after we work on your file. Contact us for the current monthly charge.

No. Following Federal Regulations, no Credit Repair company can charge in advance. Credit Repair Systems, Inc. charges for services that have already been performed.

The Monthly Fee covers analyzing and performing a general audit of the client’s credit report monthly, identifying potentially damaging, inaccurate, outdated, misleading, and unverifiable information, and processing the dispute to all three Credit Bureaus on behalf of the client. And providing monthly evaluations with recommendations to you.

For your convenience, we accept payment via E-Check, money orders, ZELLE and Cash accepted in person in our offices.

It is illegal to guarantee any results regarding credit repair. This depends on the participation of the bureaus and you. The credit bureaus have total control of what will be deleted and what will be added to your reports upon finalizing the investigation. You are responsible for using your new or existing credit as advised in our evaluations. 

There is no limit to what kind of items can be disputed or on how many times the items can be disputed.

Yes, bad credit marks can be deleted, primarily if they are inaccurate, misleading, obsolete, or unverifiable.

Any information on a Credit Report, whether considered bad or good or whether it belongs to you, is subject to specific rules and laws.

There are many laws written to protect the consumer, so anything that violates any of these laws can be used to cause the removal of the accounts.

Please note that Credit Repair Systems is legally prohibited from making specific promises and can not guarantee you a particular result on a detailed account or item.

The Fair Credit Reporting Act (FCRA) – The Fair Credit Reporting Act was enacted in 1970 by Congress to protect the consumer.

In a summary, these are a few of the rights you have under the FCRA:

You must be told if information in your file has been used against you.

You have the right to know what is in your file.

You have the right to ask for a credit score.

You have the right to dispute incomplete or inaccurate information.

Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information.

Consumer reporting agencies may not report outdated negative information.

Access to your file is limited.

You must give your consent for reports to be provided to employers.

You may limit “prescreened” offers of credit and insurance you get based on information in your credit report.

You may seek damages from violators.

Identity theft victims and active duty military personnel have additional rights.

States may enforce the FCRA, and many states have their consumer reporting laws. In some cases, you may have more rights under state law. Contact your state or local consumer protection agency or your state Attorney General for more information.

For complete information see www.consumerfinance.gov/learnmore or write to:

Consumer Financial Protection Bureau

1700 G Street N.W.

 Washington, D.C. 205552


  • PO Box 740256
  • Atlanta, GA 30348
  • 1-866-349-5186


  • PO Box 4500
  • Allen, TX 75013
  • 1-888-397-3742


  • P.O. Box 2000
  • Chester, PA 19022-2000
  • 1-800-916-8800


The Federal Trade Commission (FTC).

Absolutely! It is because it is legal that we can do what we do. We use the laws that protect you, the consumer, and that regulate the Credit Bureaus and the companies that furnish information to them to accomplish our work. You are given certain rights under the FCRA and we offer our experience and expertise and services to help you assert these rights.

Unfortunately, after COVID credit bureaus are not responding to disputes in writing but updating their online systems. It will be necessary to have a monitoring system on file to follow up monthly. We can provide you discount codes if you are interested in buying a monitoring system. If you do receive any reports/notices from the bureaus you may forward here:


You can email the reports to                     service@creditrepairsystems.net

You can fax the reports to 305-275-1282

You can mail the reports to the following:

Credit Repair Systems

9380 SW 72nd Street

Suite B207

Miami, FL 33173

Or you can drop them off at the same address above.

Credit and other reported accounts
Accounts paid as agreed can remain for up to 10 years from the date first reported.
Accounts not paid as agreed, such as delinquent Charge-offs, and funds placed for collections with Collection Agencies, remain for up to 7 years from the date of the first delinquency.
Public records can remain for up to 7 years from the date filed except for the following:
Bankruptcies Chapters 7, 10, 11, and 13 (dismissed or no disposition rendered) stay for up to 10 years from the date filed
Unpaid tax liens remain for up to 10 years from the date filed.
Paid Tax Liens remain for up to 7 years from the date released or up to 10 years of the date filed, whichever is earlier.
Inquiries can remain for up to 2 years.

A Credit Score is a numerical summary of your creditworthiness based on information from credit bureaus.

There are 2 types of credit scores FICO & Vantage scores both use formulas to create a score based on the information found on your credit reports. These 2 formulas do not contain the same ingredients. (See differences below)

 You may be able to obtain a free credit score for one bureau from any association you may have with a banking or credit card company. You can obtain free Vantage scores for TransUnion and Equifax from Credit Karma. It is recommended to obtain monitoring for all 3 bureaus. Many banks and credit card companies will only consider FICO scores for consideration.


Payment History: Your history of paying bills on time 35% of your FICO Score

Amount of Debt (Utilization) 30% of your FICO Score

Length of Credit History (How long you’ve had credit 15% of your FICO Score

Amount of New Credit (Amount of credit you’ve recently obtained) 10% of your FICO Score

Credit Mix (What types of credit you have on file) 10% of your FICO score


Payment History: Your history of paying bills on time 32% of your Vantage Score

Utilization 23% of your Vantage Score

Balances 15% of your Vantage Score

Length of Credit History (How long you’ve had credit 13% of your Vantage Score

New Credit (Amount of credit you’ve recently obtained) 10% of your Vantage Score

Available Credit 7% of your Vantage score

You will receive monthly scores with your evaluations.

Yes, you will need to have an active monitoring system on file for all purposes of this program. Monitoring systems can vary in price check our website for discount codes or contact us.

It can take as little as one late payment. That means one negative item on your reports.

This all depends on the account status, how long the account has been on file, and various other items. Eliminating an account may increase your score but keeping a healthy credit report is essential to help maintain and increase your scores.

The Credit Bureaus make many mistakes due to the large volume of data that they process daily. The law says that the credit bureau maintain reasonable procedures to ensure that negative information once removed from a consumers credit file is not reinserted, unless

1) the original source certifies that the information is accurate as being reported and

2) the credit bureaus notifies the consumer in writing within 5 days of the re-insertion.

Yes, you can. We will explain how to do it in your 1st introduction to Credit Repair. But, based on our experience and clients’ experiences, most people give up shortly after starting. The monthly submitting of disputes and follow up needed and analyzing current credit report is time-consuming and tedious. Many become discourage.  

Yes, we would always advise people to pay their bills. Timely payments make up most of your score.

Yes, although other factors are also considered when determining your score, timely payments make up approximately 35% of your score.

All items or accounts identified as disputable through monthly evaluations are included in your monthly disputes.

Anyone you permit can access your report, including but not limited to prospective employers, lenders, property managers, insurance companies, companies which whom you presently have a credit relationship, and anybody with a permissible purpose who wants to know who you are.

Credit Reports contains all you need on a person. We like to describe the credit reports as divided into 4 sections:

Section 1 personal information anything you put on a credit application or given to a creditor will appear here. That includes but not limited to, Social Security Numbers’, date of birth, addresses, employers.

Section 2 creditor information monthly reporting for up to 10 years or more on your behavior including but not limited to a history of, on time payments, the amount of accounts on file, types of accounts, how long since the account has been open, open balances.

Section 3 negative accounts any account including but not limited to. An account that has been reported late, not paid, charged off, repossessions, foreclosures, bankruptcy. This includes Public Records section that may include any civil case filed in court such as bankruptcy, liens.

Section 4 inquiries any credit solicitation you made have made such as credit applications.

Credit reports do not contain information about your income, sex, or race.

A public record is a file such as Bankruptcy, Lien, or Judgment filed at the courthouse.

A charge-off is a declaration by a creditor that an amount of debt is unlikely to be collected, or the account has been sold to a collection agency. This occurs when a consumer becomes severely delinquent on a debt. Traditionally, creditors will make this declaration at the point of 120 days without payment.

We recommend that you not apply for credit our program will advise you of the right time to apply and what exactly to apply for. Applying for credit will harm your credit score, contrary to what we are trying to accomplish.

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