Credit Repair Questions (FAQs)

Do you have questions regarding our credit repair services? We hope these FAQs below help answer your questions, but if not, please contact us for more assistance. Full Bilingual Service Available. English and Spanish.

Is Credit Repair legal?

Absolutely, credit repair is completely legal. Our practices are grounded in the protection of consumer rights, as outlined by federal laws such as the Fair Credit Reporting Act (FCRA) and various State Finance Codes. Recognizing that a 80%  of credit reports may contain inaccuracies, we operate within the bounds of these laws to ensure the fair and accurate representation of your credit history.

How long does it take to repair credit?

The duration of credit repair can vary based on individual circumstances. On average, the process takes approximately four to six months, but it's important to note that this timeline is flexible and depends on the complexity of the issues at hand. Our dedicated team works diligently to analyze, dispute, and rectify inaccuracies in your credit report efficiently, ensuring a comprehensive and tailored approach to improving your creditworthiness. Throughout the process, we keep you informed, providing transparency and guidance to help you achieve your credit goals.

Do you offer a free credit report pre-evaluation?

Yes, we do! Take advantage of our complimentary credit report pre-evaluation by simply pulling your credit and filling out our "contact us" form with a message that has your login credentials. After submitting, we will be able to access and evaluate your credit report.

There's no obligation, and it's a great way to gain valuable insights into your credit profile. Our team will conduct a thorough analysis, providing you with information on how Credit Recovery Group can assist you on your journey to improved credit.

How can I pull my credit?

One option is to visit, where you are entitled to receive an annual (1)  free credit report. Alternatively, you can conveniently pull your credit report here whenever for as low as $5.

What is your credit repair process?

You can see our restoration process with detailed steps here.

How much does credit restoration cost?

Audit, Analysis, and File Setup Fee's are based on pre-evaluation and monthly payments. We have a special for couples. Click here to see pricing.

Does credit repair guarantee 100% removal?

Credit Recovery Group complies with the Federal Trade Commission, State, and Local government regulations and the Credit Repair Organization Act, in that we cannot, by law, guarantee a specific outcome or result. However, we do promise to legally do everything possible on your behalf to restore your good credit.

What happens if an account gets verified or validated?

In most cases, the account will remain in your credit report until the statute of limitations
has been met. You may contact the source of information if you would like to make a
payment arrangement. Settlement letters are available upon request.

How do I send my responses received?

Original documentation should be sent via regular mail as the reports are often multiple pages and are printed front and back. In past cases, fax or email has been too dark, blurry, or has had missing pages. We have found that it takes more time to request clients to resend documentation for incomplete or unclear letters. Our address is 8323 Southwest Freeway, Suite 708 Houston, TX 77074.

How long is each investigation?

Each investigation takes approximately four to six weeks to receive a response. Our restoration program for clients takes around 6 months or more if needed.

How can I keep track of my credit repair process?

We assign you a personal username and password to access our online portal to track your credit repair process. Our customer service representatives are also available Monday thru Friday from 8:30 p.m. to 5:00 p.m to answer any questions you may have.

If I am on active military duty, what should I do to protect my credit report?

Active-duty military personnel who are away from their regular duty station may file "active duty" alerts to help prevent identity theft.
Are you a veteran or on military duty? We have a discount on our regular service fee. Please contact us for more information.

Can I reactivate my account?

Yes you can reactivate your account, although we do not recommend stopping you can always continue your credit process, contact our Credit Specialists for an account overview to see what your options are.