What you can achieve!
ZERO RISK
No Results = Full Refund
90 Days. Real Results. Guaranteed.
27 Dispute Letters
Round 1 sent via CloudMail™ (tracked first-class). Rounds 2 and 3 upgraded to USPS Certified Mail with signed delivery confirmation — building a documented legal record across all three bureaus.
CloudMail™ + Certified Mail
Every letter is digitally tracked via Credit Repair Cloud's CloudMail™ system. Follow-up rounds use USPS Certified Mail — providing legally recognized proof of delivery that protects you and strengthens your case.
CFPB Complaints
We file formal complaints with the Consumer Financial Protection Bureau on your behalf, which often results in faster responses and better outcomes from credit bureaus.
AG Escalation
When necessary, we escalate cases to your state's Attorney General office, adding significant legal pressure to ensure credit bureaus take your disputes seriously.
Congressional Contact
We may contact your congressional representatives to advocate for your consumer rights, leveraging political pressure for maximum effectiveness.
Follow-Up Campaign
We don't stop at the first round. We persistently follow up with all parties, tracking responses and continuing to dispute until we achieve results.
If we don't improve your credit score after our complete 90-day campaign, we'll refund 100% of your investment. No questions asked.
We've helped over 3,000 clients improve their credit. We're so confident in our process that we take on all the risk. You have nothing to lose and everything to gain.
100% Protected • No Questions Asked
Real Results
Join thousands of clients who've transformed their credit scores
"Removed 11 negative items in just 60 days! My score jumped from 580 to 687. I was finally approved for my dream home loan."
"The 24-hour turnaround is real! They removed late payments I thought would haunt me forever. My interest rate dropped 4%."
"After bankruptcy, I thought my credit was destroyed forever. They removed all inaccurate items and helped me rebuild. Now I'm approved for business loans!"
Why Choose Us?
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Common Questions
Under the federal Credit Repair Organizations Act (CROA), we are legally prohibited from charging you before services are rendered. Your first payment is triggered only after your Round 1 dispute letters have been physically mailed via CloudMail™ and confirmed dispatched to USPS — typically within your first 7 days. You will never be charged before that confirmation.
CloudMail™ is Credit Repair Cloud's professional mailing system that automatically prints, folds, stuffs, and mails your dispute letters via USPS — routed through the closest of 13 nationwide print facilities. Every letter is address-verified, tracked in real-time, and logged with a timestamp. This is how we prove services were rendered before billing. Starting with Round 2, all letters are upgraded to USPS Certified Mail, which provides a legally-recognized signed delivery receipt.
Most clients see their first deletions within 30-45 days. We send 9 dispute letters per month plus CFPB complaints, and bureaus have 30 days to respond. Our Certified Mail follow-ups in months 2 and 3 add legal pressure that often accelerates results.
Absolutely. No contracts, no cancellation fees, no setup charges. CROA also gives you an unconditional 3-business-day right to cancel after signing your contract. Beyond that, you can cancel at any time. We earn your business through results.
That's what our 90-day guarantee is for. If after our complete dispute campaign you don't see ANY inaccurate deletions, we'll refund 100% of your payment. No questions asked. To qualify, you must remain an active participant for 90 days, keep your account current, and not add new derogatory accounts. Contact your service specialist by phone to verify identity and initiate your refund.
The goal of our service is to remove inaccurate negative information from credit reports. This is not an exact science and there are cases in which we may be unsuccessful. Our clients are protected with our 90 day warranty. If you sign up for service with Full Time Credit Repair in any program, and do not see any inaccurate items deleted from your credit in 90 days, you will be entitled to a full refund. This does not mean that your credit will be fixed completely during that period but you should see some of your false negative items deleted in this period or your money back. To apply for a refund please contact your service specialist by phone, so your identity can be verified.
(1) Upload your credit reports — no charge yet. (2) Within 24 hours, Dave reviews your file and creates your custom strategy. (3) Round 1: 9 dispute letters dispatched via CloudMail™ — billing begins after dispatch confirmation. (4) Months 2 & 3: Follow-up letters sent via USPS Certified Mail with signed delivery proof. (5) Simultaneous CFPB complaints and escalation as needed. (6) Weekly updates throughout.
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Your Credit?
Join 3,000+ clients who've already improved their credit scores and achieved their financial goals.
CloudMail™ + Certified Mail Tracking
24-Hour Turnaround
90-Day Money-Back Guarantee
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