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Frequently Asked Questions

Some Common Questions

  • Can I do credit repair on my own?

    Yes. You have the right to attempt credit repair yourself for free and to contact the 3 major credit bureaus directly. However, our clients still choose and prefer to work with us due to our industry-leading services and our professional experience. For those who simply don’t have the budget, we highly recommend and encourage you to contact the credit bureaus directly and attempt credit repair yourself for free. You can access the Fair Credit Reporting Act for more information about your rights as a consumer.
  • Do I pay for your credit repair services before or after they are completed?

    After. We charge credit repair fees only after our work has been completed. Credit repair fees are charged only after all the work has been done to prepare and submit your disputes to the credit bureaus.
  • Do you advise to dispute all information in your credit report, regardless of accuracy?

    No. We only advise you to dispute questionable negative items. You have the right to dispute questionable negative items and any credit information you feel to be inaccurate, incomplete, unverifiable, or obsolete.
  • Do you create new identities or credit reports for your clients?

    No. It’s against the law to create “new” identities or credit reports. This is a serious crime that can result in fines and/or imprisonment. Beware of companies that advocate creating “new” identities or credit reports.
  • How can I get copies of my credit reports from all 3 major credit bureaus?

    There are many resources available to obtain your credit reports. The one that Accelerate Credit Repair highly recommends is They give you instant access to your credit reports. This is the organization that we suggest for our Credit Restoration program. 

  • I’ve been told that accurately reporting items on my credit report are required by law to report for 7 years, is that true?

    No, that isn’t accurate information. Statistics show that a high percentage of all credit reports contain errors, and the burden of proof as previously stated, is on you as the consumer. The bureaus don’t have the time or resources to go back and make sure everything is reporting correctly. Here is where the consumer wins – if an item on your credit report is outdated, incorrect, or unverifiable, it must be removed and deleted.
  • What entities dictate your Credit Score, and are they somehow tied to the government?

    The “Big 3″, as they are often called, Equifax, Experian, and TranUnion, are the major consumer reporting agencies in the USA. Though your credit score is intertwined with nearly every aspect of your life, the government is not involved and has no authority or input on determining your credit score. These agencies use an algorithm based primarily on 5 factors to calculate your FICO/credit score (Fair Isaac Corporation). To be clear, your FICO score is used by creditors to determine the risk they are taking to lend you money. Simply put, the higher the score the lower their risk. Your score is comprised of and weighted in accordance with the following percentages: Payment History 35%, Amounts Owed 30%, Length of Credit History 15%, New Credit 10%, Types of Credit Used.
  • What, if any, are the legal repercussions of fighting the bureaus?

    There are none! You have the right and authority to challenge any information on your credit profile. Accelerate Credit Repair takes advantage of the legal system and is able to challenge the negative items, on your behalf, with the bureaus. Our attorneys require that every item that is disputed be verified by the bureaus and that each item undergoes an extensive checklist concerning the accuracy of the derogatory information.

  • Why are there so many errors on my credit report?

    It would be fair to assume that since the bureaus not only collect your personal information but sell it as well, that they would do a stellar job at ensuring that everything is current and accurate. However, that is not always the case. The cost and resources needed to investigate every consumers’ individual credit report is not a priority of the credit reporting agencies. As a result, you as the consumer is responsible to determine the accuracy of your information.
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Some of Our Satisfied Clients

We have helped thousands of people just like you.

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Los Angeles, CA
My score was at 710 but I had tax liens that I tried to remove myself. I had been fighting with the state to get the..
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Murfreesboro, TN
I had just graduated college and was engaged to be married but I didn’t really know where my credit score stood. I h..
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Gallatin, TN
Accelerate Credit Repair got 100% of the derogatory items off my credit report in only 60 days and now we are qualif..
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Franklin, TN
Accelerate was able to improve my score from 609 to 680 in 90 days. I only needed a 620 to qualify for my loan but A..