Credit Repair FAQs

Credit repair is the process of removing and correcting inaccurate or erroneous information from your credit report. Our job is to dispute these items with all three major credit bureaus so your credit report is accurate, up to date, and as strong as possible.

Everyone’s credit situation is different, and no one can promise a specific time frame for repairing your credit.

How long it takes depends on the number of items on your credit report, how severe they are, and how the credit bureaus and creditors respond. Your credit coach can give you a realistic picture after your evaluation.

Full-service plans start at $99.99 per month for an individual, plus a one-time start-up fee of $124.99 that sets you up in our client portal. DIY is $39.99 per month.

Once your enrollment is complete, your disputes are sent out. The monthly fee is charged every thirty to thirty-five days after your letters are sent. See our pricing page for every plan.

Yes. When two people enroll in a full-service plan together, couples pricing is $79.99 per person per month with a $79.99 per-person start-up fee. You do not have to be married; you can join with a family member or a friend.

Fill out our short Get Started form. Your dedicated credit coach will reach out to answer your questions and help you finish enrolling. They will also review your report with you, and your first round of disputes is sent within 24 hours of completing your enrollment.

Our service includes a detailed evaluation and a tailored plan of action to help you improve your scores, maintain them, and reach the financial goals you have set. If you have questions about which plan fits you, your credit coach will walk you through the options.

On our full-service plans, we dispute every negatively impacting item reflected on your credit reports, and your first round of disputes is sent within the first 24 hours of completing your enrollment.

Yes. If you run into financial hardship while you are in our program, reach out to your credit specialist or our customer service line and we will work with you. You can also pause your membership from the client portal.

You can cancel at any time. Contact us in writing, by text or email, and we will stop your services. Your client agreement explains your cancellation rights in full.

No. There is no fee to cancel, and there are no hidden fees.

No. Whether you join with a significant other, a family member, or a friend, you receive the same couples rate.

We are not a debt consolidation company. If you have a high amount of active debt and want guidance, we will give you feedback on how to approach it as an active client.

If you are unsure, call us for a free consultation. If you need credit repair, we will tell you why. If you don’t, we will explain what you can do to improve without our services. At Credit Supreme, your goals are our goals.

Yes and no. Paying your bills on time helps your credit over the long run, but it does not remove accounts that are already in a negative status. Paying off a delinquent or derogatory account may not remove the negative history, because the account’s status is a major factor in your score.

The three major nationwide credit bureaus, also called credit reporting agencies, are Equifax, TransUnion, and Experian.

They are for-profit companies that compile credit information and provide credit reports to lenders and other businesses with a permissible purpose, who use them to judge whether lending to you is a financial risk.

Because credit reports matter so much, federal law, including the Fair Credit Reporting Act, gives you the right to see your reports and dispute information you believe is inaccurate.

We serve clients nationwide. We are based in Miami, FL.

Not on our full-service plans: we do the work for you, so you can leave the tedious parts to us. If you would rather do it yourself, our DIY option lets you work your own credit repair.