Frequently Asked Questions

Yes, credit repair is 100% legal because it is built on the consumer rights granted by the Fair Credit Reporting Act (FCRA). The FCRA gives you the right to dispute any item on your credit report that you believe is inaccurate, unverifiable, or incomplete. The Credit Repair Magic system works by helping you audit your reports and leveraging these laws to your advantage. If an item cannot be verified by the creditor or bureau, the law requires its removal or update.

You absolutely have the right to dispute items yourself! In fact, that's exactly what you'll be doing. However, your membership in Credit Repair Magic saves you significant time, frustration, and money in the long run. We provide:

• Expert Knowledge: We know the credit laws, audit standards, and strategies required to challenge items the bureaus often deny when you dispute them alone.
• Efficiency: We make the entire process more effective and more streamlined, so it takes even less time than hiring someone else to do it.
• Proactive Action: We look for every possible violation or error, not just the obvious ones.
• Avoid Problems: We know all the pitfalls and problems that can occur and we keep you from making mistakes that could set back the process by months.

No, Credit Repair Magic is not a credit repair organization (CRO) and does not provide a credit repair service. We are a software and education company. We sell a self-directed program that gives you the tools, software, and instructional knowledge to repair your own credit. We do not do the work, but we provide a system that creates far less work for you than if you hired someone else to do it for you. It's like a self-driving car for your credit score—you still have to order it and get in, but most of the work is done for you.

We offer a simple, transparent pricing structure: a one-time fee of $197 for lifetime access to the entire program, including all four dispute modules, the Dispute Tracker, and all bonus strategies. There are no monthly subscription fees from us.

To use the optional Credit IQ module requires an inexpensive third-party credit-monitoring service so it can automatically import and update your credit reports. All other methods (Ringmaster, Credit Mentor, and Bad Credit Eliminator) have no additional recurring cost.

Yes. Your lifetime access allows you and your immediate family members to use three of our four dispute modules (Ringmaster, Credit Mentor, and Bad Credit Eliminator) at no extra charge. The Credit IQ software is a single-user license that links directly to one individual's credit monitoring service. If another person wants to use the Credit IQ software, they must purchase their own program.

We provide four powerful, self-directed options so you can choose the method that fits your comfort level:

We provide a computerized assessment upon sign-up to help you select the best method based on your available time, technical comfort, and current credit situation. Many members choose to combine methods over time for maximum effectiveness.

The Credit IQ software option automatically tracks your progress because it links up with your credit reports directly. For the Ringmaster, Credit Mentor, and Bad Credit Eliminator modules, we provide a Dispute Tracker tool within your account. This is a dedicated section where you can:

• Record every action you take (calls, letters sent, online disputes)
• Log all responses you receive from the credit bureaus
• Keep a clear history of your efforts and results

The 800 Club is our ultimate goal for every member: achieving a credit score of 800 or higher. Our program includes comprehensive bonus strategies and credit hacks that teach you how to improve your scores even without removing negative items.

Yes, we stand by the quality of our software and education. We offer a 60-day, no-questions-asked, money-back guarantee from the date of purchase. If you are not satisfied with the program for any reason, simply contact us for a full refund. This does not include any amounts you may have paid to any third-party credit-monitoring service. We do not and cannot legally guarantee any particular results from using our program.

The entire program is self-directed, but you will have guidance from beginning to end. Depending on which of the four dispute methods you choose, you may need to do any of the following:

1. Documents: Upload ID documents and possibly print copies of them for mailing in to the bureaus.
2. Mail: With two out of the four options, you will be required to mail in your disputes. It is your responsibility to update your Dispute Tracker (this is done automatically with Credit IQ if you choose that option).
3. Credit Hacks: To maximize your score, you must apply the strategies taught in our bonus resources.
4. Phone: If you choose the Ringmaster option, you will need to call the bureaus on the phone and use—at your discretion—the wording provided in your program.

Usually, but not always. Once an item is successfully removed, we show you how to monitor your reports to ensure that the creditor does not attempt to put it back (a practice known as "re-insertion"). This is done automatically with the Credit IQ software option.

You should expect to spend a couple of hours to get set up and review the program materials initially. After that, it should be less than one hour every month that you are actively disputing. Ironically, if you use a credit repair service or law firm, you will have to invest FAR MORE time because of the inefficiencies of dealing with a third party.

Several of our bonus credit hacks can improve your credit rather dramatically in a matter of days. The typical credit repair process lasts 6 months or less, but you should begin seeing results within the first 30-45 days. The timeline is largely determined by the credit bureaus' legally mandated investigation period (30 days from receipt of a dispute) and how complex your credit challenges are.

No, submitting disputes does not directly cause your credit score to drop. Disputing inaccurate information is a "soft inquiry" that does not impact your score. However, your score is dynamic. It may fluctuate slightly due to other factors (like paying off debt or opening a new credit card), but the primary goal is a long-term, sustained increase.

You can dispute virtually any item that is negatively impacting your score and may be inaccurate, unverifiable, or incomplete, including: