Will This Hurt My Credit?
Will this hurt?
We require a copy of your credit report, though this request should not impact your credit score.
Under the Fair Credit Reporting Act (FCRA), you have the right to rectify any inaccurate or incomplete information on your credit report by reaching out to the entity that supplied this information to the credit bureau, along with providing proof of inaccuracies.
Additionally, the FCRA entitles you to one free credit report annually. You can access this free report through the provided link.
Many individuals hesitate to dispute entries on their credit reports due to uncertainty about potential effects on their credit scores.
Though disputing inaccuracies may seem daunting, it’s an essential step in ensuring transparency and accuracy in your credit history.
Even if you believe your credit report is accurate, errors are common, making it crucial to regularly review and address any discrepancies to maintain your financial health throughout the year.
Top 5 Common Mistakes
Maintaining a good credit rating is essential. To ensure your credit score remains robust, here are some pitfalls to steer clear of:
- Prematurely closing accounts or leaving them open well after their use has ceased.
- Reckless borrowing habits, like acquiring more loans than needed and not repaying them punctually.
- Neglecting to review and monitor your credit report frequently.
- Not grasping the distinction between a credit report and a credit score.
- Overlooking the opportunity to review your free annual credit reports.
Our Story
From humble beginnings a decade ago, the #CreditFICO movement started with one man, David J. Ford, Founder and CEO of MyCreditFICO. When a bank error nearly devastated David’s life he became obsessed with CHANGING LIVES by eradicating the stigma of credit repair, fighting the big banks and bureaus, and growing a movement that empowers users to change their own lives, their community’s lives, and the world by becoming a Credit Hero, often right from the comfort of their own home.
Your Path
To Success
- 1
The FREE Stuff:
It all starts here. Dive into our FREE library for templated forms, to improve your own credit.
- 2
Get your Report
Our system will take a look over your credit, and make recommendations based on what it finds.
- 3
Fast Dispute Leters
Our credit coaches can match the information you provide along with advanced technology to quickly search for mistakes on your account
- 4
User Portal
Login to have direct access to your credit history, and private messages from your coach.
- 5
Take Our Master Class
Our agents are credit repair specialist, who are genuinely passionate about helping others repair their credit.
- +
Credit Repair Expo:
Each year, a group of focused entrepreneurs take what they’ve learned at Credit Repair Expo, they start to change lives in their communities, and the following year make it onstage and into our Millionaires Club.
Our Community

23,000+
Happy Customers

688
Coaches

19,500
Disputes per Month
Meet The Team
David Fordé | CEO & Founder
David Ford is an inventor, author, keynote speaker, investor and advisor. David has an active YouTube channel called “From Bozrah with Love,” in which he provides viewers free credit repair advice on a weekly basis. Back In 2002, David’s life took an unexpected turn when a bank error devastated his credit. While solving his issue, he thought of a way to help others (and quit his job) by creating MyCreditFICO.com. A machine learning software that helps quickly find common errors, and make suggestive corrections, in seconds. This software has helped thousands of folks to become “Credit Wealthy” and change millions of lives. Many of our clients have even become millionaires after recognizing what having GOOD credit provides you. Since launch, our numerous awards and numerous reviews speak for themselves.
David Widony | President of Operations
A seasoned executive and strategic partner, David enhances our organizational performance through personable and practical approaches. with company goals. A creative, hands-on results driven team leader with extensive sales experience, managing large diverse projects, recruiting and leading teams. A problem-solver with a passion for technology skilled at grasping a big picture, developing and implementing solutions, partnering with business leaders and A-level executives.
Veronika Kirakosian | Sr. Director of People Ops & DEI
Nika is a happy, mindful HR leader with over 15 years of success building positive employee experiences while supporting accelerated company growth. She is a purpose-driven culture builder known for conscious leadership, global awareness, data analysis & business partnership. She is accomplished in handling conflict, talent acquisition, operational improvements, and leading others out of their comfort zone. When she is not working, Gabriela enjoys spending time outdoors in Austin, TX.
Brian Farrelley | Sr. Director of Finance
As our chief number cruncher, Brian is charged with developing and overseeing our finance and accounting operations. A strategic-thought partner on our leadership team, she combines analytical and strategic thinking to guide our growth. Prior to MyCreditFICO he spent thirteen years in finance leadership roles for businesses in digital media and creative advertising. Outside of work, Brian loves to travel and enjoys spending time at the beach with his family.
Andrew Cooledge Esq. | Head of Legal Counsel
Andrew Cooledge is a research professional with over 20 years legal experience. As our head legal counsel, Andrew specializes in intellectual property, anti-trust and insurance coverage, he provides legal and non-legal research assistance for attorneys and marketing professionals from obtaining the current trends in legal community and doing legal research to helping identify business development and marketing opportunities. Prior to working as an information professional, she worked as a paralegal for various large law firms in entertainment, corporate and business litigation. Andrew has a JD from UCLA Law School, a paralegal degree from UCLA and a B.A. from Cal State University Long Beach in Speech Communications and an MLIS from the University of North Texas.
The World Needs Heroes
The origin story of many of our Credit Heroes is one of past financial pain and trauma. That’s why we’re so passionate about each and every Credit Hero who joins our movement, starts from nothing, bootstraps their business, quits their 9-5 and goes on to make millions in revenue while changing thousands of lives in the process.