San Antonio Office
6989 Alamo Downs Pkwy
San Antonio TX 78238

Get Directions
Phone:(210) 520-0444
Email: contact@thecreditrepairmen.com

F. A. Q.

Frequently Asked Questions

Fix Your Credit. Fix Your Life.

F. A. Q.

Frequently Asked Questions About Credit Repair

Who are The Credit Repairmen?

We are a Full Time, Full Service Credit Restoration Company that helps people improve their credit score so they can achieve their credit goal.

The Credit Repairmen was established in 2011 by Owners Adam Hetrick and Logan Skidmore.

Our corporate headquarters is located at 6989 Alamo Downs Parkway, San Antonio, Texas 78238 but we have representatives throughout Texas, Arizona, and New Mexico.

We are available Monday - Friday from 9:00 am - 7:00 pm CST and Saturdays from 10:00 am - 1:00 pm. Additional times are available by appointment. We are closed on Sundays.

General Information About Credit

Your credit score is a number that is calculated based on your credit history such as credit cards, loans, and mortgage history that is used to predict the likelihood that you will default on a debt.  Your credit score can be between 330 - 850. 

Enacted in 1970 by the United States Federal Government (15 U.S.C. § 1681), this legislation is meant to protect consumers and making sure their information being reporting to credit reporting agencies is private, accurate, and fair.

The 3 main credit reporting agencies are Equifax, Transunion, and Experian. 

The Credit Repair Program

Yesterday! That answer really depends on your personal goals. Whatever your personal credit and financial goals are, it’s important to remember that credit repair is not an overnight “quick-fix” and takes time. Many people can start to see an increase in their score in as little as 30 days but the process of going from bad credit to good credit typically takes much longer. Your score didn’t get bad overnight and it doesn’t improve that way either.

It all starts by knowing exactly what is being reported on your credit report from all THREE credit bureaus. You can give us a call at (210) 520-0444 and one of our expert credit advisors can give you a free credit evaluation. From there, your credit advisor will guide you what plans will work best for your credit.

You will speak with one of our expert credit advisors will discuss your credit report and how it relates to the FICO pie chart. We will also discuss general strategy for raising your credit score. All of this can be done over the phone; but if you are around the San Antonio, TX area, you can stop by our offices and get a one-on-one consultation with an advisor.

No. Checking your own credit doesn’t have an impact on your credit scores.

We can do a lot of things for ourselves. We can fix an open wound, repair an engine, or make Hollywood films on our own if we really wanted. But how many times are we better off letting a doctor, mechanic, or Hollywood director perform these services rather than ourselves? The world of credit, and by extension, debt, is complicated and vast and everyone else has experts working on their side. Why wouldn’t you want an expert on your side?

Yes. The amount of negative items that gets deleted from everyone’s credit report can be very different because no two situations are the same. If an item is not 100% Accurate, 100% Verifiable, and Timely we will work diligently until we are able to help you get it removed. In addition to working on the questionable items that may be on your credit report everyone will benefit by the additional tried and true tactics we will teach you to both raise and maintain your credit score.

Credit repair works best for people that have already come out of their personal recession. Are you able to afford your existing bills and lifestyle but are being held back from getting good (or any) financing on a new car, home, or loan? If so, we want to talk to you.

We do Credit Disputes for up to 4 rounds of investigations per item, Credit Building Education, Budgeting Information, Credit Maximization Information and our game plan. You will also have a dedicated coach to help you through the process and answer all your credit related questions. 

We are constantly asking questions and for verifications. Then we review the documentation provided to make sure your consumer rights were not violated.

You can track your progress using your personalized game plan and our web portal system.

So you can have 24/7 access to see what is going on with your file.

Our goal is to call you with the answers to your questions before you call us.

Because it's really frustrating having to retell your story every time you are speaking with a new person. We want you to join our credit repairmen family so your goals become our goals. 

All of the ones that you are not 100% that they are 100% accurate, Verifiable and timely.

You may see items getting removed in as little as 30 days but the total process typically takes longer than that

Our Program typically lasts between 6-7 months. Some people are ready to go faster and some need additional help after the initial program is complete.

Yes, We can help send a Cease and Desist to ask them not to call anymore.

Yes, We work with lots of different states. Give us a call to see if we can help you.

No, We are not a debt settlement company

We only share your personal information with the Credit Bureaus and existing creditors to verify the accounts in question. 

Cost?

We have a Pay-for-Success pricing model, which means you only pay once we get negative items removed from your credit report. We also set a maximum charge for the number of items we will bill you for after we delete them. We do have a Consultation Fee to get started in the program that ranges based on the severity of negative items on your report.

There are other companies that have a monthly pricing model that charges you every month, whether or not they get any items deleted. Since we only charge per deletion, we depend on getting results to stay in business.

Yes, there is a Consultation fee to enroll and get started on our credit repair program, this can range from $99 - $179, depending on the severity of your credit report. After that, then you would only pay per deleted item thereafter.

To get credit reports we help you enroll in a 3rd party Credit Monitoring Company. This allows you to verify our results. They typically have $1 trial charge for their services and then will send charging you monthly. 

 

Because we are investing in you and want you to invest in us as well.

Yes. We offer payment in installments once items have been deleted.

Absolutely. Depending on your credit goal you both will probably need good credit.

No, you can cancel anytime. You will just have to pay for any work that has already been completed.

Yes, but since we do not charge until you see results we don’t need to very often.

Yes, If you follow the game plan and do not see an increase in your score we will refund the money back to you.

Yes, If you follow the game plan and do not see an increase in your score we will refund the money back to you.

Your Credit Report

We recommend 3rd party credit monitoring sites. We prefer Privacyguard.com, but IdentityIQ and Credit Check Total are also good sites. We do not recommend sites that provide credit reports for free because they typically do not include all 3 credit bureaus.

Each credit bureau has access to different information. As a result, different information creates different scores. The advantage of a 3-bureau report is readily identifying discrepancies: just because you don’t have a collection on one report doesn’t mean it doesn’t exist if another bureau is reporting that collection.

Short answer: 7 years. Long answer: Your credit report has two sections. One is the public record section. The public record section can involve bankruptcies, tax liens, and judgments. These will stay on your report for up to 10 years, but just because an item is “supposed” be removed in 7 or 10 years doesn’t mean that it will actually happen that way.

No, but if it is past the statute of limitations for the creditor to file a lawsuit it will be much harder for them to try to collect it from you.

No. We believe in being legal, ethical, moral, and quick. If you are going through a bankruptcy then it means you are still in your personal recession and not ready for our service yet.

NO! One of the biggest misconceptions among customers is that paying a collection will cause the score to go up. This is not true. In fact, your score is likely to go DOWN.

Short answer: Yes. Important READ HERE answer: You shouldn’t. It’s important to understand that predatory lenders rely on customers with bad credit. If you’re getting a loan on bad credit it’s because lenders know they can make money off you through high interest rates, and fees. If you’re in the bad credit penalty box, be a good sport - try to ride out the storm and avoid cash advance loans and places with super high interest rates and fees. Why pay interest on an auto loan that could cost you $200 or more than if you spent 6-12 months in the penalty box to save that amount per month by fixing your credit instead?

Miscellaneous

To keep a close watch on your credit to make sure everything is happening according to plan.

Yes, who you use for your credit goals is 100% up to you and your business.

English and Spanish

You do not have to but it's recommended. You can call, text, or go to our website to schedule one.

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