Repair Your Credit! 

    See fast improvement to your credit score  
    Decrease your auto insurance rates  
    Lower interest rates on home mortgages  

Frequently Asked Questions

Why do I need your service?

Why do I need your service?

Inaccurate information or a single negative item on your credit reports can lower your credit FICO score with all three major credit bureaus. Low FICO scores can affect your chances to obtain lower interest rates for home mortgages and auto loans. It also will increase your auto insurance rates and affect your ability to obtain employment. MyCreditFocus.com has been very successful in the past with removing negative credit items. Although you can attempt to do this yourself, many individuals have found that it becomes very frustrating and time consuming when they do not achieve the results that we can provide. The fact is that the credit bureaus may choose to ignore your attempts or choose not to re-investigate the negative items at all.

Are you a licensed company?

Are you a licensed company?

Yes, in most states the law requires that you be licensed.

How do I know my personal information is safe?

How do I know my personal information is safe?

Any personal information that you submit to MyCreditFocus.com has the fiduciary duty to protect your information. Not only are we ethically and morally bound, our license also requires it. We will not disclose, resell, or allow your personal information to be viewed by anyone.

How long does it take to improve my credit?

How long does it take to improve my credit?

The bureaus must respond in 30 days of the dispute. Within the first 60 days you will start to see improvement in your credit report. Depending on the number of negative items appearing on your credit reports will determine the duration of time that services will be needed.

Can I apply for credit while my credit is under repair?

Can I apply for credit while my credit is under repair?

No, do not apply for any new credit because it will interfere with the process of restoring your credit and void our guarantee.

How often should I expect to get mail from the credit bureaus?

How often should I expect to get mail from the credit bureaus?

You will receive updated credit reports about every 2-3 weeks until your account is completed. As items are disputed, the bureaus will forward correspondence directly to you regarding the progress of the disputes.

When I receive my credit reports/correspondence what should I do with them?

When I receive my credit reports/correspondence, what should I do with them?

Send the original reports to MyCreditFocus.com and make copies for your records.

How to Write a Credit Report Dispute Letter?

How to Write a Credit Report Dispute Letter?

Submitting a properly-written dispute letter is extremely important while concerning on the clearing of credit report. Sending an inappropriately-written dispute letter to the credit bureau might prove to be quite dearer for the person as, such a vital document assist in receiving in multiple valuable purposes including a job, loan or even a new home.

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Buying a House with Bad Credit?

Buying a House with Bad Credit?

Owning a home is a long-driven wish of people for which they take a lot of sincere efforts. Home is the ideal place that we look as our shelter during bad times. Home is a place that witnesses our joyful moments as well as our days of despair. However, buying a home is quite a difficult prospect mostly, because of the poor credit history.

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Is It Possible To Acquire Loan Even When I Have a Bad Credit?

Is It Possible To Acquire Loan Even When I Have a Bad Credit?

Whilst there are several problems that generally arise due to a bad credit score, especially when you have to opt for borrowing options, there are various loopholes that can sanction the loan even with a bad credit score. However the prime question that still remains is whether a bad credit really has numerous drawbacks that it carries?

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How Long does it Take to Fix Bad Credit?

How long does it take to Fix Bad Credit?

Fixing a poor credit report is of prime importance for an individual and the entire task must be completed in a minimum number of days as possible. However, there is no such appropriate answer to the question that how much time is required for it. Individuals with the need of so often face problems as in case of urgent requirement, they end up in facing delays to make the purchase or losing their chance of getting a loan.

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Whom Should I Approach To Fix My Credit Score?

Whom Should I Approach to Fix My Credit Score?

There are numerous laws and regulations provided to the customers, which give them the ability to interrogate the creditors regarding those accounts that are finally reported or submitted to the credit bureaus. Everything that gets appeared within a credit report must encounter the three basic consumer protection standards:

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Top Solutions to Get Rid Of Credit Card Debts

Top Solutions to Get Rid Of Credit Card Debts

It is obvious that you are feeling overwhelmed with high credit card debts. But do not think that you are not alone. For those people who are carrying a balance in their credit cards month after months, they may also suffer from bad credits. There are several ways to get rid of the bad credits if you have any.

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Happy Client Testimonials

"I found mycreditfocus.com after a friend told me about them. We were able to get started right away and have my credit repaired quickly."

− Natasha L.

"I was able to buy a house after just 6 months of working with mycreditfocus.com. A dream come true!"

− Sally B.

"Joe was able to improve my credit score by 90 points in what seemed like no time. I drive a new car now and have my bills in line."

− George M.

"I lost my job in 2009 and it messed up my credit pretty bad. The staff at MyCreditFocus.com helped me get back on track. They really took the time to explain everything to me as they were doing it. Thanks for the help, guys!!"

− Robert R.

"I spent over 6 months fighting with the different credit reporting agencies over errors THEY made on my report and still couldn’t get things resolved. I called MyCreditFocus.com and they were able to fix the errors quickly and effectively. I wish I would have called them first, before trying the DIY approach. Would have saved me time and money in the long run."

− James L.

"These guys were upfront and honest with me about what they could and couldn’t do regarding my credit report. I also like the fact that I have an attorney working my file here. So far they have done a great job and I am seeing a big improvement in my score."

− John C.

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