Frequently Asked Questions

How do I get my free credit report?

There are many programs out there that offer "free credit reports" but usually these programs entail signing up for a free trial of a credit monitoring service that will later charge you a monthly or annual amount. Federal law mandates that you are entitled to review your credit report from the three major reporting agencies once per year. The best way to get your free annual copy is to write to these companies and request it.

What services are offered through MiCreditRepair.com?

We do not actually provide any credit repair services, but are a referral source to a network of local and national providers of credit repair services. MiCreditRepair.com takes the hassle out of shopping around for the right service that you can trust.

How do I know if I need counseling or consolidation?

The company that you choose to help guide you will provide you with a professional consultant who will evaluate your debt and income situation and make recommendations to you. Usually consolidation is only for those who have many smaller debts they may have trouble keeping track of, or creditors that you have a bad relationship with for whatever reason. Consolidation can help to elimination those problems. Counseling services are provided if your income is sufficient for your debt, but you just need assistance learning how to better manage your finances to stay out of debt trouble. For more information, read the details about debt consolidation or negotiation that we have given.

Are bankruptcy services provided?

Bankruptcy is viewed as a very last resort by any legitimate credit repair service and every reasonable and legal step will be taken to avoid it. If, however, your situation warrants it and no other solution can be provided, than many credit repair corporations will help guide you through the process, including the federally mandated courses you must take before your debts are discharged.

How do I know if I need credit repair services?

Ask yourself these three questions:

• Do I have many recent late payments to credit cards or accounts?
• Do I find myself overcharging my credit card accounts on occasion?
• Am I losing sleep at night or thinking a lot about how to pay my bills?

If the answer to any of these questions is 'yes', then you could probably use the services of an accredited, respected credit repair firm.

How much does it cost to use MiCreditRepair.com?

There is no charge for using the services of this website. You will be connected with a trustworthy credit repair organization with no obligation to use their services if you choose.

How do I dispute negative items on my credit report?

By writing to the credit reporting agency with the specific item about the item that you dispute. The credit reporting agency will then forward your dispute to the company responsible for placing the item in your credit report and they will be given a period of time (usually 30 days) to provide written proof of the debt to you. If they do not provide this proof, then you are within your rights to request that the item be removed from your credit report.