Credit Repair FAQs

It's Okay If You Have Questions!

Take a look at what our most common question are.
If you haven’t found the answer here, feel free to reach out to us at

The Crown Credit Repair System can help you remove the following items on your credit report:

  • Bankruptcies
  • Foreclosures
  • Collections
  • Charge-offs
  • Repossessions
  • Medical bills
  • Credit card debt
  • Inquiries
  • Late payments
  • Old addresses
  • Judgments
  • Student loans
  • and more!

Items can’t come back if it is current or paid at the time of removal or if the collection is older than three (3) years. In very rare cases, there are exceptions that apply.

However we offer three (3) FREE annual audits for our clients that have completed the process with us and if any item WE removed has come back, we will work with you to remove it again at no cost to you.

Credit is based on a total of 5 factors:

  1. Payment history
  2. Amounts owed
  3. Length of credit
  4. New credit
  5. Types of credit

The majority of our clients see a change in their credit score within their first 90 days.

The only real variable in your credit is YOU. Even when in the  Crown Credit Repair System, if you get a new late payment or max out your credit cards, you may not get the results you normally would. Here are most of the most common reasons people experience a delay in improving their credit score:

  • Receiving a new late payment
  • Maxing out your credit cards
  • Having another account go into collections
  • NOT following the personalized Plan of Action and taking action on the recommended steps for improving your credit

Remember, the point of credit repair is to remove inaccurate, outdated and unverifiable items on your credit report. Increase in credit score is a by-product of those items being removed.

Sometimes creditors on the credit bureau have done absolutely everything right and we have no case against them. Typically, you can remove up to 80% of the negative items from a credit report.

We give you a free consultation and audit. If you qualify to work with us we have a simple set up process, we fill out all your documents to get started, we go over your budget in real time, and prepare your goal(s) chart, then give you access to our videos.

The initial investment after we do this is $297.00 at the time of enrollment. Then after we begin the Repairing, Rebuilding and Restoring process with the disputing, your monthly investment is only $97 monthly, on a month to month basis. 

Credit bureaus would rather you stay ignorant, but credit training does work in most circumstances if you are getting the right advice from an experienced professional. If your credit score is less than 720, then the answer is absolutely yes. 

There are a few factors that can hinder the process when working with us:

  1. Your financial situation
  2. The time frame in which you need to reach your results.

We do our best to provide as many tools and as much education on building and maintaining great credit to help you keep your great credit for many years… Even for life!

Yes, credit repair is legal and our credit education and document processing services will help you to use the law in your favor. That law is called “The Fair Credit Reporting Act.” The FCRA gives you the right to dispute any item on your credit report. If that item cannot be verified within a reasonable time (usually 30 days) it must be removed. Studies have shown that 79% of all credit reports contain errors. This is nearly 8 out of 10 reports. Therefore most credit reports improve immediately. For items that are disputed that are not errors, a creditor or furnisher is often unable to find the records or signed documents within the allotted time and the item gets removed. Sometimes the furnisher will say it has been verified but will not offer proof. It is our job to prepare documents that challenge this and we are very skilled at that.

No, it is not mandatory to have a credit monitoring account when working with the Crown Credit Repair System.

It is always recommended to have some type of credit monitoring while working with us so you can see changes happening in real time. We have various companies that we work with that will be happy to provide you with affordable credit monitoring services.

Yes. Whether you realize an immediate need for having great credit or not, it’s affecting many aspects of your life. Things like:

  • Employment: Many employers check credit before making a job offer. They use your credit report as a reference for how responsible you are. 
  • Buying A Home: Banks rely heavily on your credit profile to determine if they will lend to you. The lower your credit score, the higher risk you will be. This will keep you in the circle of denial. If for some reason you DO get approved, you will pay thousands of dollars more for the same loan in interest that you could’ve avoided.
  • Insurance Premiums: Insurance companies determine how much to charge you based on your credit scores. The lower your score, the higher your premium will be. 

Our goal is to help Christians become good stewards of the Lord’s abundance and that includes taking care of your credit. Are you really a good steward if you’re paying thousands of dollars more than you should be for the same items?

Schedule Your Free Credit Analysis Now

By schedule a free credit analysis, you are NOT under any obligation to use our services.