Get answers to some of our most frequently asked questions, like, “How long will it take to improve my credit score?”

What do your services cost?

Our process is very different from that of a typical credit repair company.  We do not believe in a cookie cutter approach, we think that everyone’s situation is unique with different time frames, and the amount of work needed can vary greatly between people.  Based on this information we always do a free review of your credit to determine if we can help you, how much time in the program you will need and how much there is to accomplish.  Based on these factors we will be able to provide you with the total cost of our services with a few different payment plans to fit your budget, then you can decide if you would like to proceed with us.

How long will it take to improve my score?

Anytime you do a formal investigation the credit bureaus are allowed 30 days to respond.  Because of that in most situations it will take around 30 days before we hear results of those investigations.  The nice part is anytime something on your credit changes, the score will be effected immediately.

Can you guarantee me that CMS can improve my score to a certain level?

No we can’t guarantee a certain score.  The main reason for this is the negative items on the credit report only make up 35% of the score.  We do however have a 100% money back warranty which is the best in the industry.  Our warranty is performance based and covers the work that we perform for you.

Can CMS pull my credit report for me?

No we are not a lender and not set up as a vendor to pull credit reports for you.  We will either use a copy of a recent report you already have or we recommend that you go to www.annualcreditreport.com and pull a free report there for us to review.

How long should I expect to be with CMS?

Unlike most companies that have an open-ended long term contract we do not believe in this flawed philosophy.  We think as a consumer you want to know how long you will be working with us before you decide to start.  For this reason we will tell you before you even begin how long the program will last, typically our programs are between 90 to 180 days.

Isn’t all credit repair companies the same?

One might think so, but just like all industries different companies have different philosophies.  Some of the ways that CMS is different from your typical credit repair companies are as follows:

  • We have a 100% money back warranty
  • We don’t believe in never ending monthly subscription fees (you will know before you start what our total fees are)
  • We work on 100% of the score (educating you on other things you can do to improve your score not just focusing on the negative items)
  • We want results for you as fast as possible, it goes against our entire philosophy to drag this process out for years like what can happen with lots of companies
  • When you work with CMS you are working with trained credit exports, you will not be dealing with a call center of people that are just reading from a script.

I just got done paying off all my collections, isn't that enough to improve my scores?

No, paying the collections is good but as far as improving your FICO score this is an action that will have a neutral to slightly positive effect on your score.  The FICO score cares more that you had the collection more than if it’s been paid or not.  For this reason you would still be able to benefit from credit repair.

What is the best way to get started?

Request a free consultation with us.