Credit Repair FAQs

What Is Credit Repair?

Credit repair is a service provided under the CROA act that allows credit repair service providers to assist consumers in the correction of items on their consumer credit reports that prove to be inaccurate, outdated or unverifiable.

How Do I Get Started?

You can start and sign up online 24/7. As soon as you sign up you will be contacted within 24 – 48 hours by one of our credit specialists. They will assist on getting your initial credit reports and scores and perform a credit audit with all three major bureaus. If you sign up today we should have your first round of work done and you can expect results in 30-60 days!

What does our ALL-INCLUSIVE Service Include?

 Late Payment

Hard Inquiry

Personal Information



Medical Bills



Public Record

Child Support

What Is The Cost To Repair My Credit?

$199 Audit Fee + $25 a month credit monitoring with SmartCredit. This is a limited time offer. This includes all credit repair services. We are waiving the monthly charge for a limited time. Refund policy applies to the $199 Audit Fee. If we are unable to remove any of the negative items, we will refund your full $199. Please see refund policy requirements for additional info.

All Cancel Poor Credit Members Will Need To Sign Up with ? . This costs $25 per month. We highly recommend using a credit monitoring service thereafter. But you are more than welcome to cancel the services after you have completed our program!

100 % Money Back Guarantee?

Cancel Poor Credit offers a 100 % Money Back Guarantee. If you do not see an improvement in any of the 3 major credit bureaus, or we are not able to remove any of the items you hired us to work for you in a period on 180 days (6 months), customer will receive 100% of the total payments made to Cancel Poor Credit. Just allow our experts 6 months to work on your case. No one in our business can predict a specific outcome or results, but we can assure you that we will do everything possible to maximize the likelihood of great results. Our Guarantee gives you the peace of mind you need to get started today hassle and risk free.

How Many Items Do We Dispute At A Time?


We will dispute all of the negative items immediately.

How Do You Restore Bad Credit?

We review your credit report and see what’s holding your credit scores back and get right to work disputing any inaccurate, untimely, misleading, biased, incomplete or unverifiable items on your credit report. Addressing them accordingly and utilizing different laws like FCRA (Fair Credit Reporting Act) and other laws applicable to increase your credit scores. At the same time providing a tailored plan to avoid future credit problems and credit education along the way to make sure you have a healthy and accurate credit life after any Cancel Poor Credit Program. We Go Above and Beyond to avoid repeat customers.

Can Bad Credit Be Legally Repaired?

Because you are responsible for ensuring that your credit report is accurate, laws were enacted, specifically the Fair Credit Reporting Act (FCRA) to assist you. The FCRA gives you the right to contact the credit bureaus directly to dispute items on your credit reports. You can dispute any and all items that are inaccurate, untimely, misleading, biased, incomplete or unverifiable. Any item that cannot be verified on your credit report must be deleted. Goodwill Creditor Interventions may also be used to address an item on your credit report directly with your creditor. Also, the Fair and Accurate Credit Transactions Act (FACTA in situations where identity theft is concerned. Thousands of people have legally and successfully restored their credit and increased their credit score simply by enforcing their own legal rights. This type of process can be done individually if you have the time, and of course the patience, for the learning curve involved and tedious process if you don’t have the right tools and guidance.

Does Paying Off My Bills Repair My Credit?

Unfortunately, the credit reporting system doesn’t work that way. When you pay your debt, the negative credit listing doesn’t disappear. There is little difference between a paid negative item on your credit report, or an unpaid one.


Is Credit Repair Easy? Can Consumers Do It Themselves?

Restoring your own credit is like changing your own car oil, fixing your own car or representing yourself in court; it is possible, but you have to be willing to invest the time to learn the processes, assume the risks of inexperience and realize that it will probably take you much longer with little results as opposed a professional that does this everyday of his life. But it can be done – there are no rules of any kind against it. Think of it this way, skilled Credit Professionals start working on your credit Day 1 and getting you results from a proven legal method as apposed to a consumer having to devote lots of time to simply begin to learn the entire process while doing all the follow up tedious work.

Are The Credit Bureaus Are A Branch Of The Government?

The credit bureaus are for profit companies. They are not government agencies of any kind. But, they are one of the most heavily regulated industries. 
A recent survey by an independent research group revealed more than 79% of credit reports contained mistakes or errors. The prevalence of errors has lead to consumer protection legislation that allows consumers to challenge the bureaus and force the removal of inaccurate, outdated or unverifiable information.

If A Negative Item Is Successfully Deleted From My Credit Report, Will It Just Come Right Back On My Report?

The credit bureaus will often delete negative listings if they have not heard from the credit grantor for 30 days since an item has been disputed. Should the credit grantor submit verification a week or two later, it will be re-inserted. (We know how to handle these cases for you) Most of the time the creditor simply fails to respond and the negative item and then they are permanently deleted. With Cancel Poor Credit you are covered! We will work those accounts at no extra cost any previously deleted item that comes back on your credit report for free.