My Credit Relief Guidelines

  • The Federal Trade Commission has published a number of guidelines for consumers to follow when researching credit repair services. Here’s how MY Credit Relief compares with those guidelines:
  • The company wants you to pay for credit repair services before they provide any services. Under the Credit Repair Organizations Act, credit repair companies cannot require you to pay until they have completed the services they have promised.
  • My Credit Relief does not charge you a setup fee until we have built your CORE Credit Profile in our system and contacted you to begin building your personal credit plan of action. After the initial fee, our services are billed “in arrears” which means we work for a month on your credit case before billing you for that month.
  • The company doesn’t tell you your rights and what you can do for yourself for free.
  • My Credit Relief makes no claims that credit repair can’t be a DIY project (more info on DIY credit repair). We also list all the rights of credit consumers, on our site, right here: Consumer Rights.
  • The company recommends that you do not contact any of the three major national credit reporting companies directly.
  • Although it is not typically necessary with MY Credit Relief service, we would never tell you not to contact the credit bureaus.
  • The company tells you they can get rid of most or all the negative credit information in your credit report, even if that information is accurate and current.
  • My Credit Relief does not challenge accurate information. Our credit repair service is for the removal of inaccurate or outdated information. We do not promise to remove information of any kind.
  • The company suggests that you try to invent a “new” credit identity – and then, a new credit report – by applying for an Employer Identification Number to use instead of your Social Security number.
  • My Credit Relief has never, will never, and does not suggest this.
  • The company advises you to dispute all the information in your credit report, regardless of its accuracy or timeliness.
  • We do not suggest you do this at all. Our interface allows you to tell us exactly which accounts or records are inaccurate and which are accurate. In this way, we are able to focus on only the accounts that matter.