How Credit Repair Works

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Depending on the severity of your credit profile, it can take anywhere from 6 months to 1 year to see graduation from the program. The more you stay on top of updating your letters every month in the client portal, the quicker you will see a change.  Under the Fair Credit Reporting Act (FCRA) the credit bureaus has 30-45 days to respond to "your" disputed claim. If they fail to complete their investigation, then we continue to dispute different ways until we see a positive affect. If you fail to positively keep up with your current credit accounts while in the program, you will either stay in the program longer or be terminated from the program. 

No two credit profiles are the same. The goal is to increase your score and have your profile with little to no errors. The increase can be as high as 200 points or more at once or over time depending on your credit profile and how the credit bureaus respond with deletions. We want you to have at least a FICO score of 650+ or better or more than 80% of negative items removed before graduating from our program.

Your credit scores are monitored via Credit Hero Score. You are responsible for setting up your reoccurring payment with Credit Hero Score. Click the link above in Step 1 to order your report. The monthly payment for Credit Hero Score's Monitoring System is $21.99 a month. This fee is separate from your monthly credit repair fee. Once you have your Credit Hero Score log in, you provide us with the email and password used. We then port your credit report through your client portal. We are able to view your entire credit report and then we assess what steps to take to improve your credit profile. If you fail to keep your monthly credit monitoring system, you cannot stay in the credit repair program because it is an imperative tool while repairing your credit.

You are in luck! Because our company believes in helping everyone and breaking generational curses, we understand that not everyone can afford to pay monthly services for credit repair. Our company offers a DIY Credit Improvement Online Course. It gives step-by-step instructions on how to repair your credit, how to build it, how to save and budget after rebuilding your credit. Even our clients still go through the online course after being released from our credit repair program. Click "Credit Courses & eBooks" at the top of the page to get to the learning site. 

Yes! You will always be updated. With the client portal technology, you will always receive automatic notifications via email when a dispute is done on your behalf. Visit your client portal often to see updates.  If you do not have access in the client portal, please request it. 

1. Set-up a free consultation with us and sign-up with Credit Dyno using the link we provided.
2. We go over your credit file to design a comprehensive plan to challenge questionable items that are negatively affecting your credit score. 
3. We create letters to send to the 3 major bureaus, creditors and furnishers.
4. We repeat the process until the item is removed. We dispute items every 30 days per the bureaus' responses.
5. We then provide you with negotiation letters to help you make debt settlements with the creditors that have proven your debt; because you STILL OWE YOUR DEBT!

By federal credit law, you have 3 business days to reach out to us to cancel your services after signing your month-to-month contract. Because of federal law, your dispute process begins a MINIMUM of 4 business days after you have completed your onboarding process and submitted payment.

Credit Hero Score is a company that we are affiliated with.  A credit or debit card is required to start your $1.00 7-day trial period for your Credit Alerts, Credit Debt Analysis, Credit Report, Credit Score, Credit Score Factors, Credit Score Simulator, and Identity Protection membership. You may cancel your 7-day trial period at any time within 7 days of enrollment by calling (888) 316-7758 or by signing in to your account. Should you decide not to cancel, a Monthly membership fee of $21.99, plus applicable sales/use tax, will be automatically billed to your account each month until you cancel. 

You can simply cancel at anytime. Your contract is only a month-to-month contract. If you wish to cancel after you have already recieved services, you will not receive a refund. However, by law, you do have 3 days to "change your mind" about proceeding with our services after signing your contract. Please read the bottom of our contract under "cancellation" for more infomation.

Request a withdrawal form by emailing us. Send your email to customercare@vigorfca.com. We will send you the form. You sign it and send it back to us via email.