How it Works

Not at all. My Credit Guy is extremely aggressive with the dispute process. We tackle all the negative reporting across all three credit bureaus, immediately. This means our clients get the speediest and most productive credit restoration service possible.

We always begin with a free review and overall costs will vary depending on each client’s personalized strategy for credit restoration.

Yes, we definitely do. Following our aggressive and targeted dispute process, we will assist in listing out which creditors remain valid and whom it makes the most sense to work towards paying. We can also advise on strategies to effectively negotiate with the creditor to see an even more favorable credit response. This strategy allows you to improve bad credit and repay debt.

Yes. As part of our process, we quickly help our clients figure out which positive accounts they are missing in their credit profile (if necessary) and help partner them with the ideal companies that suit their needs. When it comes to credit cards, not all are created equal. We want to be certain our clients get the best choices available to them.

No. There will not be any way for it to be known you hired or worked with a credit repair agency. There is no downside to working with My Credit Guy. Every part of the process is designed to increase your credit scores.

No. If you need dispute verbiage lifted from your credit profile, our service is very strong in helping with that as well.

Unfortunately, the credit bureaus and creditors do not make it an easy process to update inaccuracies on your credit profile. In addition to that, it’s very time consuming and most individuals simply don’t have the kind of time or expertise to put into it. It’s very common for consumers to actually lower their credit scores while trying to clean it up themselves, as there are many pitfalls in the scoring algorithm for mistakes to be made. It’s better to seek the expertise of a credit restoration firm.

Our credit restoration service is much more targeted and aggressive than other credit repair companies, as well as much more comprehensive. We dispute all the invalid negative accounts reporting with all three credit bureaus immediately. We also include in-depth credit and financial education with a detailed game plan that’s unique to each individual customer. Most of our clients are in the process of trying to achieve home ownership or some type of loan, so we’ve customized our entire program to achieve their goals quickly and efficiently.

Of course. We always start with a free review for every customer to see if we can help to fix your credit.

Our clients are allowed to discontinue the program any time.