Frequently Asked Questions

Getting Started

How do I know if I need credit repair?

If you have negative items on your credit report like late payments, collections, charge-offs, or bankruptcies that are preventing you from qualifying for loans or getting favorable interest rates, credit repair may help. We can remove items that are inaccurate, unverifiable, or legally questionable.

What documents do I need to get started?

You'll need current credit reports from all three bureaus (Experian, Equifax, TransUnion). You can get these free at annualcreditreport.com. Tyler will explain how to provide your reports during your free consultation call.

How is CreditSalve different from other credit repair companies?

We focus on transparency, realistic expectations, and FCRA compliance. No scare tactics, false promises, or long-term contracts. Our founders have real-world experience from the homebuilding industry and understand what actually works.

Do you offer a free consultation?

Yes! After you submit your intake form, Tyler will call you for a completely free consultation to discuss your credit situation and goals. If you decide to move forward with credit repair, the service is $325 one-time.

What exactly is the process from start to finish?

1) Fill out our intake form (free), 2) Tyler calls you for a free consultation to discuss your situation, 3) If you want to proceed, you pay the $325 fee and Tyler will explain how to provide your credit reports, 4) Tyler analyzes your reports and begins the dispute process.

Process & Timeline

How long does credit repair take?

Most clients see initial results within 30-45 days of the first dispute round. Complete repair typically takes 3-6 months depending on the complexity of your situation and how the credit bureaus respond.

What happens during the credit repair process?

Tyler analyzes your credit reports, identifies disputable items, crafts professional dispute letters, sends them via USPS mail, tracks responses, and follows up as needed. You receive copies of all correspondence.

How many items can you remove?

We guarantee that Tyler will dispute everything that can legally be disputed and work tirelessly to remove what he can. However, we cannot guarantee specific removals because that depends on how the credit bureaus respond - factors outside our control. We focus on items that are genuinely inaccurate or unverifiable.

Why do you send letters by mail instead of online?

Physical mail is generally more effective than online dispute forms. Credit bureaus take mailed disputes more seriously, and it creates a paper trail that's important for legal compliance.

Pricing

What does credit repair cost?

Our complete credit repair service is $325 one-time payment. This covers all analysis, dispute letters, phone consultation, and ongoing communication throughout the process. No monthly fees, no hidden costs.

When do I pay?

Payment details are arranged by Tyler during your phone consultation. We discuss payment options that work best for you - no online payments required for your security.

Are there any hidden fees?

No hidden fees whatsoever. The $325 one-time payment covers everything: credit report analysis, dispute letters, consultation, and all communication. No setup fees, no monthly charges, no surprise costs.

What if I'm not satisfied with the results?

Credit repair results vary by individual case and cannot be guaranteed. We focus on legitimate disputes of inaccurate or unverifiable items. Our process is transparent, and you'll understand exactly what we're doing and why.

Legal & Compliance

Is credit repair legal?

Yes, credit repair is completely legal when done properly under the Fair Credit Reporting Act (FCRA). You have the right to dispute inaccurate, unverifiable, or outdated information on your credit reports.

What can legally be removed from credit reports?

Items that are inaccurate, unverifiable, incomplete, or outdated can potentially be removed. We cannot remove accurate, verifiable negative information. Most negative items fall off automatically after 7-10 years.

Do you guarantee specific credit score increases?

No, and any company that guarantees specific score increases is breaking federal law. Credit scores depend on many factors. Our focus is on removing inaccurate items, which may improve your score.

How do you ensure FCRA compliance?

All our dispute letters follow FCRA guidelines exactly. We only dispute items that have legitimate grounds for removal. Our process is transparent and all correspondence is documented.

Still Have Questions?

Can't find the answer you're looking for? Our team is here to help. Get in touch and we'll respond within 24 hours.