Frequently Asked Questions

What can you help remove from my credit file?

  • Collections
  • Late Payments
  • Bankruptcy
  • Foreclosures
  • Inquiries
  • Short Sales
  • Charged Off Accounts
  • Tax Liens
  • Reposessions
  • Judgments
  • Personal Information
  • And More...

Will removed items reappear on my credit file?

Inaccurate and unverifiable items should not reappear on your credit file. However,  in the rare case that this happens, FCRA law requires that you are notified by the credit bureau before this information is re-reported on your credit file. If an unverified or inaccurate item is placed back on your file, we will challenge it again at not additional cost and take additional steps to assure that does not reappear.  

How long will it take to improve my credit?

The length of service depends on your credit goals and the severity of your credit report. We cannot guarantee any particular results but we can assure you that we will work diligently to help you reach your goals.

Why do results vary?

No two credit files are exactly alike. Therefore, results will vary from client to client. Some clients may see results more swiftly than others depending on the severity of the credit file. 

Is my information safe and secure?

You can rest assured that your personal information is secure. Our systems are encrypted and SSL secured.

What is your 100% money back guarantee?

We will refund 100% of your monthly credit repair fees if we are not successful in removing 25% of the negative items we challenge on your credit file as long as the following applies:

  • You have had no new missed payments or collections while in our program.
  • You maintain a credit monitoring service throughout the duration of your credit repair.
  • You have retained our services for at least six consecutive months.
  • You have at least four negative items on your credit file.
  • You have not retained the services of a credit agency nor attempted to repair your own credit for at least two years prior to enrolling with Integrity Credit Repair.
  • You have consistently forwarded ALL correspondence from the credit bureaus and creditors to us within five days of receipt throughout the duration of the program.