• Tamara

Looking to enroll in Credit Repair but had some questions? This post is for you!

Updated: Sep 24

These FAQ's may be able to help below:

1.What’s included in our Credit repair Program?

2. Do I need to pay off my negative accounts?

3. How often would staff be in contact with me throughout the process?

4. How long is credit repair?

5. How much is the entire process?

6. Would I have to send my own letters? 7. I have high usage on my open credit cards, can I join? 8. Will you/me checking my credit hurt my score? 9. All of the accounts that are negative are mines can I still benefit from Credit Repair 10. I paid off collections and charge offs can I still benefit from Credit Repair? 11. What makes us different than other companies? 12. I only have 1 or a few accounts, how could this program benefit me? Q: What’s included in our Credit Repair Program? A: What you are paying for is convenience as we will take the responsibilities of challenging your derogatory accounts and responding to the investigation decisions. Once you have graduated repair you are then automatically enrolled in our FREE advanced credit building process where most can accumulate over 100k in available credit. This is a lifetime benefit.





Q: Do I need to pay off my negative accounts? A: We cannot advise on paying or not to pay, however we can inform you of what happens as well as the pros in cons.

If you are looking to improve your credit by paying unfortunately that part wouldn’t work. In fact it may cause to go down rather than up.

If you are paying to improve your relationship with that company then that’s a different story.


Some opt to pay after it’s deleted, some will arrange a payment plan while the item is being disputing and some opt to not pay at all.

Paying doesn’t waive your rights to legally challenge the item and you don’t have to pick 1 or the other.


Below I’ll leave a link to a blog we did on this very topic. I recommend reading through it to give you a better understanding. Click the link below.




Q: How often would staff be in contact with me throughout the process? * 1 Check in call per month where we answer any questions & discuss any progress * 1 File overview call every 6 months by request (In depth progress report) * 1 graduation call once repair is completed to start the advanced building process In between those times above, all clients can reach out to our dedicated phone reps that are available Mon-Fr 10-6 pm est. or either email or send message via the client portal. Q: How long is credit repair? A: Credit for example can for 1 person take 3 months and for someone else 18 months. The length of repair would be almost impossible to know upfront because it’s a monthly ongoing investigation which is all factored upon how much the creditors, collection agencies and credit bureaus are willing to fight. However during your enrollment call we do review your reports and give you an example of how much time you may expect. Q: How much is the entire process? A: How much you would pay entirely would be based upon the time that’s spent in repair as this is a month to month agreement and you can stop at any moment. The price currently is $149 for the credit analysis due the date of enrollment and $99 per month due 30 days later. Q: Would I have to send my own letters? A: Absolutely not, we take pleasure in doing all the mailing of correspondence and replying on your behalf. Q: I have high usage on my open credit cards, can I join? A: Yes. During your call we develop a goal plan which includes a time frame in getting all balances under 30%. Q: Will either you or me checking my credit hurt my score? A: No. When reviewing your reports via your online credit monitoring it is considered a soft pull. Soft pulls are not visible to creditors and will not impact your score. Q: All of the accounts that are negative are mines can I still benefit from Credit Repair? A: Yes. In fact, 90% of clients who have experienced deletions never denied any of the accounts on their reports. We focus on the facts involved which does not require a client to lie or manipulate the system. Q: I paid off collections and charge offs can I still benefit from Credit Repair? A: Yes. Although paid derogatory accounts don’t help in repair, we still have clients who received deletions with paid off derogatory accounts. Q: What makes us different than other companies? A: 1. We have an FCRA (Fair credit reporting Act) attorney review all clients credit reports and collection letters. 2. Our advanced credit building program has to this date helped accumulate in combination over 21 million in credit approvals for our clients. Most clients leave our program with between 75k-100k in Credit card and loan approvals. 3. We help newly released felons for free. It’s a limited program that opens once per year. 4. We don’t use templated letters that can be found online. Each client has a dedicated file handler that works specifically on their file throughout the month. Each letter sent is specifically catered to each clients situation. Q: I only have 1 or a few accounts, how could this program benefit me? A: Our process is the same for clients who enrolled with 1 or 50 accounts as even with one account that's derogatory you can still be either: 1. Denied 2. Approved but with low limits 3. Approved but with high interest Background:


The Credit Lifestyle has been around for close to 6 years now & have helped many clients achieve amazing results!

Ready to get started?

Use the link below to start your journey!



Take a look at what some of our clients have achieved! *Results will always vary*










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