Frequently Asked Questions
Here is a selection of our most frequently asked questions.
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Credit can be a tricky subject, and while we do our best, we can only answer so many questions on one page. If you can’t find what you’re looking for, feel free to reach out.

Credit repair is a financial literacy service that identifies & evaluates with the intentions to remove derogatory inaccurate & unverifiable accounts from consumers’ credit reports. Throughout the credit repair process a variety of dispute strategies and methods are implemented to remove the derogatory accounts from consumers’ credit profiles.

Clients must create a credit monitoring account to pull updated credit scores and reports (click here to pull your updated scores and reports for $1).

  • Once updated scores and reports are received the clients credit reports are analyzed and calculated. During the analysis and evaluation process the client is given a detailed evaluation and an estimated credit repairing timeframe.
  • Clients’ credit profiles will be calculated to develop the quickest strategies and methods to enhance the strength of the clients’ credit profiles and scores.
  • Dispute against negative accounts to be deleted by the credit bureaus and creditors.
  • The negative accounts that are not deleted in each dispute round will be reprocessed until they are deleted from the clients’ credit reports.
  • Credit profile building will be recommended and implemented to improve the strength of the clients’ credit profiles and scores throughout the credit repairing process.
  • Once clients’ credit reports and scores have been rectified and repaired, clients are encouraged to leverage their new credit profiles and scores every 18-24 months.
  • Seasoned tradelines are considered for an extra credit score increase.

The credit repairing timeframe depends on the severity of your credit profile PRIOR to starting the credit repair process. The type, amount of negative accounts and who the creditors are that owns the negative accounts on your credit profiles has a significant impact on how long it will take to repair your credit profiles. 

ESTIMATED CREDIT REPAIR TIMEFRAMES: (May vary depending on creditor)

  • MILD: (3-6 Months) Medical Collections, Non-Medical Collections, Inquiries
  • HARD: (6-9 Months) Charge Offs, Medical Collections, Non-Medical Collections, Inquiries
  • CHALLENGED (9-12 Months) Student loans, Bankruptcy, Charge-Offs, Medical Collections, Non-Medical Collections, Inquiries
  • VERY DIFFICULT (12-18 Months) Repossession, Bankruptcy, Charge-Offs, Medical Collections, Non-Medical Collections, Inquiries
  • SEVERE (18-24 Months) Repossession, Student loans, Bankruptcy, Charge-Offs, Medical Collections, Non-Medical Collections, Late Payments, Inquiries

When negative accounts report to your credit report it can cause detrimental effects. The strength of your credit reports has an impact regarding how many points your credit scores may decrease by. Therefore, it varies on how many points your scores may decrease if a negative item reports to your credit reports. The stronger your credit profiles your credit scores may not decrease significantly. The weaker your credit profiles are may cause your credit scores to decrease significantly if a negative item is reported. 


  • Bankruptcy – Up to a 240 points decrease
  • Late Payments – Up to a 80 points decrease
  • Collections – Up to a 50 points decrease
  • Charge-Offs – Up to 50 points decrease
  • Maxed Out Credit Cards – Up to 10 points decrease
  • Foreclosures – Up to 160 points

Throughout the credit repair process your credit scores will fluctuate frequently. The strength of your credit profile prior to starting the credit repairing process has a huge impact on the increase of your credit scores. The increase of credit scores varies for each client because everyone’s credit profiles are completely different.

However, a majority of the clients that we service credit scores increase by 30-60 points within the first 90 days. Clients that complete the credit repair process credit scores continue to increase throughout the credit repairing process.

It is very unlikely that deleted negative items will reappear once they have been deleted from your credit report.

However, there is a 10% chance that a negative item will reappear once it has been deleted from your credit reports because the creditor may sell the account to a new creditor without you being notified. If a deleted negative item reappears it will be disputed against with the new creditor to be removed from your credit reports.

If a new negative item is reported once you have begun your credit repair process, the new item will be included in the next dispute round to be deleted from your credit reports. 

Once you began your credit repair process, you will be given access to your Client Dispute Credit Repair Portal. You will be able to track the fluctuation of your credit scores and the progression of negative items being deleted from your credit profiles. The Client Dispute Credit Repair Portal gives you the convenience of staying informed throughout your credit repair process.

There’s a variety of business credit & funding companies. Some of the business funding creditors will consider your personal credit report and scores. While other business funding creditors may only consider your verifiable business revenue. It is best to develop profound personal credit profiles and scores to explore the best business credit and funding terms and conditions.

The better your personal credit scores and profiles the quicker you can establish great business credit and funding relationships. Until your personal credit scores and profile are good enough you may only be able to get approved for business vendor and merchant accounts.

To be approved for traditional business credit cards, loans and lines of credit the creditors will consider your personal credit scores and report. Utilizing and relying on your verifiable business revenue will require you to submit your business income documentation such as tax returns & bank statements. Business credit and funding companies that use your business revenue will have more aggressive payback terms and conditions than business creditors that consider your personal credit.

You should start repairing your credit 12-18 months prior to you applying for a mortgage loan.

All of our credit repair payment plans offer great benefits to all the clients that we service. We have four different payment plans to choose from. We have payment plans that is suitable for everyone’s financial literacy needs. Click here to see the various options we offer.


FICO and “The score lenders use” are trademarks or registered trademarks of Fair Isaac Corporation in the United States and other countries. CMS and Credit Management System are registered trademarks of Dekamco Development LLC in the United States

© 2023 Clean Credit Crew. All rights reserved. 


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What you need to know about our testimonials

Testimonials represent the results of the particular individual and you should not expect the same result because your case is different than everyone else’s. promises only to communicate with creditors on your behalf and in your name, verify report changes with bureaus, and provide you timely information about changes in your reports. Any credit score improvement seen after using our services is the result of many other additional factors, including: keeping credit balances low, paying bills on time, reducing or eliminating unnecessary inquiries, and developing appropriate types of credit, and sound financial planning.