Our Clients FAQ - mycreditdoc.com

Our Clients FAQ

Below are common questions from our clients.
If you have a question that you don’t see answered below, feel free to Contact Us


What is the Credit Repair Doctor?
The Credit Repair Doctor® is the nation’s leading credit repair course helping Americans repair their credit within the comfort of their own home.  This saves our clients from paying thousands of dollars to an attorney or credit clinic.  To learn more about me and my team click here: How Jeremy Maher and the MyCreditDoc team can help.

What is a credit score?
A credit scores is a 3-digit number that creditors, landlords, insurance companies and other financial institutions use to determine your ‘risk factor’. By gauging the applicants past and present utilization of credit, the credit score provides an indicator of the applicant’s degree of financial responsibility. The credit score allows creditors to judge how you as the consumer will handle the credit obligation awarded to you.

What is considered to be a “bad” credit score?
A bad score can depend on the point of view of a person or lender.  The lenders use your credit report and credit scores to determine your credit worthiness. With America’s horrible recession, it has forced these banks to “tighten up” and change all of their lending guidelines for the worse.  A credit score of 700 or less will make it difficult to get certain loans or it will result in the lender charging a higher rate.

Is it legal to repair my credit?
Absolutely! The Federal Trade Commission has provided laws that protect your rights as a consumer. The Fair Credit Reporting Act protects the consumer in this type of situation and affords them the opportunity to dispute negative information on their credit report that’s inaccurate, incomplete or unverifiable.

Can I repair my own credit?
Absolutely.  Not only can you do this yourself, but you will get better customized results that a corporation cannot provide.  You know your situation better than anyone else and hiring a company means you have to share your personal information with the company and provide them with secure information like your social security number, credit card numbers and other vital information that can put you at risk.

Why should I consider credit repair?
Credit repair is an option you can pursue in order to improve your credit rating and credit worthiness in the eyes of creditors/lenders. Negative or inaccurate credit influences the way that lenders respond to a credit application. Cleaning up your credit history is an important step in the health of your financial future.

Credit is important because it is used to judge consumers for everything from obtaining employment, renting an apartment, buying a home, purchasing a vehicle, funding a business, setting up utilities, cost of car insurance premiums and the list goes on.

What items am I able to delete from my credit report?
You can delete negative inaccurate, incomplete or unverifiable information such as:

  • late payments
  • collection accounts
  • charged off accounts
  • state and federal tax liens
  • judgments
  • foreclosures
  • bankruptcies
  • repossessions
  • personal identity inaccuracies
  • inquiries
  • fraudulent trade lines

Once I delete an item from my credit report, what happens?
When you request the deletion of an item and the “credit bureau” removes it, your credit score will immediately change.  This is why credit repair can be such a strong tool.  Deleting a negative account can actually drop your credit score in a few cases.  When to delete and when not to delete a credit item is covered in the Credit Repair Doctor®

How long does the credit repair process take?
Once you begin, you should start seeing an improvement in your credit within the first 45-90 days after beginning the credit repair process.  Each individual’s credit needs are unique and different. The average consumer can repair their credit report in less than 6 months by using the steps provided in the Credit Repair Doctor®

How do I obtain my free credit report?
The Fair Credit Reporting Act (FCRA) requires nationwide consumer reporting companies or “credit bureaus”  to provide consumers with a free copy of their credit report, once every 12 months but only if they request it.

To allow for this annual free report, the credit bureaus have set up www.annualcreditreport.com. The Credit Repair Doctor has a step-by-step video on how to access your credit report from this website.  There is another video walking through a real credit report and showing you how to read your credit report.

What if I have already obtained my yearly free credit report?
After you receive your one set of yearly credit reports, you must purchase any additional credit reports that cost $9 – $14 for each one.  This cost does not normally include a credit score, only your credit report.  Since you will be excited to see the changes in your credit and keep up with your progress, you will want to access your credit regularly.

A much less expensive method for access your credit report frequently is through the use of credit monitoring or “ID protection”.  Certain credit monitoring or ID protection companies allow you to access your credit report as often as you want at any time of the day for one low cost.

Some Credit Monitoring companies do not provide you with the main credit scores called FICO® which the majority of lenders use.  You want to ensure that the credit monitoring company uses the popular credit score and also provides identity protection at the same time.  There are only a few companies who have met our strict requirements for customer service, product features and overall value.  We provide this resource for free on our credit resource page: Free Credit Resources

When I request my report, will it be counted as a credit inquiry?
No. Requesting your own credit report will not have any effect on your credit score, as you are entitled by law to review your credit reports as often as you want.

How does your refund policy work?
We are proud to have an easy refund policy that gives you the comfort and assurance you deserve. We are so confident in our product and serious about your happiness that we make our refund policy simple: Use our credit course for the first 4 weeks and if you are not happy, we will give you a full refund within the first 60 days from your purchase. We want to help you with your credit and give you the service you deserve.

How does the Fair Credit Reporting Act (FCRA) affect me?
Just as the name suggests this statute aims to protect you from unfair, misleading or inaccurate information being included in your credit reports. The Act further compels credit bureaus to provide consumer information to third parties, all the while safeguarding your rights of confidentiality.

Such information may be submitted to your creditors, insurers and even your EMPLOYER! Unfortunately they can take negative action against you because of this information. If this happens, they must disclose the source of the negative information such that you may be able to verify or dispute the information in question.


I want to improve my credit, how do I get started?
To get started you can learn how to improve credit scores quickly with the Credit Repair Doctor® course or you can purchase the Credit Repair Doctor®