Your Credit, Made Simple
FreeMy.Credit
TRUSTED BY THOUSANDS OF AMERICANS AROUND THE COUNTRY
Everything you need to know
about FreeMy.Credit
Is FreeMyCredit.com really free?
Yes, FreeMy.Credit offers a 100% Free Credit Solution. There are no financial obligations, you pay absolutely nothing for the lifetime of your account. Exclusively for the credit repair process.
How much does this normally cost?
Typically, a credit repair solution like the one offered by FreeMyCredit cost on average between $500 - $1,500 for the complete solution.
How do I get my credit report?
You can go to any approved credit report solution of your choosing. However, you may opt to use our partner CreditHeroScore for a credit report that directly integrates into our credit repair solution. This makes for a much easier and faster process.
Is Credit Repair Legal?
Credit Repair is a totally legal process supported and backed by the FCRA. It was found that more than half of the total population had something inaccurate or incorrect on their credit report. Due to this issue, the federal government stepped in to protect citizens rights by installing the FCRA to force credit bureaus to validate all the information they have, when challenged correctly.
How do I get my score up fast?
*One of the first things to do is get the negative inaccurate items and information off your credit report. The second thing is to add as much positive credit history to your report. Most people believe it takes months and years to add positive data to their credit reports. However, we provide additional solutions to add positive credit history to your credit reports in as little as two weeks.
Can I remove my bankruptcy from my credit?
*Bankruptcies like all information on your credit report can be challenged and potentially removed.
Can I remove collections from my credit?
*Yes, collections can be removed from your credit report. Sometimes, by systematically challenging the collection items in question, you may have success in removing them from reporting on your credit report.
Can I remove student loans from my credit?
*Yes, there are many solutions offered by the government and lenders that allow you to change the negative status or remove the account from the credit report.
Why does FreeMy.Credit offer Free Credit Repair?
FreeMyCredit has an initiative to empower one million people to repair their credit and gain access to resources and a more affordable lifestyle. FreeMyCredit believes that by providing a real solution that empowers each individual it helps, they will see the potential value in additional solutions and products offered.
How long will I have access to utilize the Free credit repair?
*Our credit repair solution is free for life. Meaning that as long as you maintain your active account status, you have unlimited access. To maintain an active status means only to continue to use the platform at no cost.
Stay up to date on everything credit
* NO PURCHASE NECESSARY. This is not Credit Repair Service. This is access to a Free Credit Repair Software. "You have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly. However, neither you nor any 'credit repair' company or credit repair organization has the right to have accurate, current, and verifiable information removed from your credit report. The credit bureau must remove accurate, negative information from your report only if it is over 7 years old. Bankruptcy information can be reported for 10 years."You have a right to obtain a copy of your credit report from a credit bureau. You may be charged a reasonable fee. There is no fee, however, if you have been turned down for credit, employment, insurance, or a rental dwelling because of information in your credit report within the preceding 60 days. The credit bureau must provide someone to help you interpret the information in your credit file. You are entitled to receive a free copy of your credit report if you are unemployed and intend to apply for employment in the next 60 days, if you are a recipient of public welfare assistance, or if you have reason to believe that there is inaccurate information in your credit report due to fraud."You have a right to sue a credit repair organization that violates the Credit Repair Organization Act. This law prohibits deceptive practices by credit repair organizations."You have the right to cancel your contract with any credit repair organization for any reason within 3 business days from the date you signed it."Credit bureaus are required to follow reasonable procedures to ensure that the information they report is accurate. However, mistakes may occur."You may, on your own, notify a credit bureau in writing that you dispute the accuracy of information in your credit file. The credit bureau must then reinvestigate and modify or remove inaccurate or incomplete information. The credit bureau may not charge any fee for this service. Any pertinent information and copies of all documents you have concerning an error should be given to the credit bureau."If the credit bureau's reinvestigation does not resolve the dispute to your satisfaction, you may send a brief statement to the credit bureau, to be kept in your file, explaining why you think the record is inaccurate. The credit bureau must include a summary of your statement about disputed information with any report it issues about you. "The Federal Trade Commission regulates credit bureaus and credit repair organizations. For more information contact:"The Public Reference Branch"Federal Trade Commission"Washington, D.C. 20580".