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Get you back to the
closing table fast!
Get you back to the
closing table fast!
Improve Your Financial Record
Better Qualify For Loans
Learn Long-Term Credit Education
Budgeting Strategies
Pay Zero Upfront Fees

Consumer FAQ’s

You’ve got questions … We’ve got answers! My Credit Guy has provided answers to your frequently asked questions. Learn more about our credit repair services, referral partner program, and more!
Are you only going to dispute 1-2 accounts per month so credit restoration takes forever?
Not at all. My Credit Guy is extremely aggressive with the dispute process. We tackle all the negatives reporting across all three credit bureaus immediately. This means our clients get the speediest and most productive credit restoration service possible.
How much do credit repair services cost?
We always begin with a free review and overall costs will vary depending on each client’s personalized strategy for credit restoration.
Do you help me determine who I should pay?
Yes, we definitely do. Following our aggressive and targeted dispute process, we will assist in listing out which creditors remain as valid and whom it makes the most sense to work towards paying. We can also advise on strategies to effectively negotiate with the creditor to see an even more favorable credit response. This strategy allows you to improve bad credit and repay debt.
I don’t have a credit card. Can you help me get one?
Yes. As part of our process, we quickly help our clients figure out which positive accounts they are missing in their credit profile (if necessary) and help partner them with the ideal companies that suit their needs. When it comes to credit cards, they are not all created equally. We want to be certain our clients get the best choices available to them. Check out our recommended credit cards and credit builder cards to get a sense of your options.
Will anyone know I did credit repair and will it hurt my credit?
No. There will not be any way for it to be known you hired or worked with a credit repair agency. There is no downside to working with My Credit Guy. Every part of the process is designed to increase your credit scores.
Will there be dispute verbiage remaining on my credit report?
No. If you need dispute verbiage lifted from your credit profile, our service is very strong in helping with that as well.
Why can’t I just fix my credit myself?
Unfortunately, the credit bureaus and creditors do not make it an easy process to update inaccuracies on your credit profile. In addition to that, it’s very time consuming and most individuals simply don’t have the kind of time or expertise to put into it. It’s very common for consumers to actually lower their credit scores while trying to clean it up themselves, as there are many pitfalls in the scoring algorithm for mistakes to be made. It’s better to seek the expertise of a credit restoration firm.
What makes My Credit Guy different from other credit repair agencies I’ve seen or heard about?
Our credit restoration service is much more targeted and aggressive than other credit repair companies, as well as much more comprehensive. We dispute all the invalid negative accounts reporting with all three credit bureaus immediately. We also include in-depth credit and financial education with a detailed game plan that’s unique to each individual customer. Most of our clients are in the process of trying to achieve home ownership or some type of loan, so we’ve customized our entire program to achieve their goals quickly and efficiently.
Will you look at my credit to see if you can help me before I sign up?
Of course. We always start with a free review for every customer to see if we can help to fix your credit.
What if I choose to opt-out of the program?
Our clients are allowed to discontinue the program any time.

Referral Partner FAQ’s

Learn more about why so many top producers send My Credit Guy their clients who need credit help.
How can I send a review over to you?
We have a couple different options for you to submit a client to us for a free review. Depending on your comfort level and company policies, you can either email a client over to us at (also cc your My Credit Guy representative) or simply submit a file through our secure upload ‘Client File Submission’ button on the homepage.
I already use What-if Simulator and/or do my own rapid rescores, what can My Credit Guy do that is any different?
While those resources are excellent solutions for the more basic credit score increase needs, many times more significant work is needed above and beyond what those methods can provide. After conducting a free review on each file you send to us, we will be able to tell you if a rapid rescore is in order and our credit restoration services are not necessary or if the client would benefit from enrolling in our program. No matter what, the decision on how to proceed will be up to you and the client.
I have been burned by other credit repair companies in the past that I have sent files to and never heard back. Can I expect that same result from My Credit Guy?
Absolutely not! Our number one priority is to get our clients back to the closing table with our referral partners as quickly as possible. We do not consider a file complete until our referral partner has confirmed the closing. We are built from the ground up to accommodate the lending and real estate process, and the My Credit Guy team has years of experience in these industries.
How fast can I expect a client back once they enroll with My Credit Guy?
While most clients are finished within 45 to 90 days, the maximum duration we would typically work on a client’s file would be somewhere in the five-to-six month range. We always do a free review before enrolling each client, so everyone is on the same page and we do guarantee our turn times.
Have you worked with other lenders in the past?
Absolutely. We have countless success stories with other lenders. You can check out our Testimonials page or our Facebook page to see numerous testimonials and endorsements.
Do you provide credit education for loan officers, realtors, and/or consumers?
Definitely. Credit education is our passion! We do lunch-and-learns, seminars, webinars, and meetings for our referral partners and their potential clients. If you would like to schedule a session, let us know! Check out our video blog for a sampling of the educational opportunities we offer!
I stopped working with credit repair companies because they just leave a bunch of dispute verbiage on the report and I can’t close the loan anyway. Will I run into this issue with My Credit Guy?
Not at all. This is a circumstance the My Credit Guy team is well aware of and we make absolutely sure you not only have the scores needed before sending the client back to you, but also that all dispute verbiage has been removed. Make sure to let My Credit Guy know of any other lender overlays that need to be accommodated during the process, so it is a very smooth transition back to the closing table. Transparency is the priority when it comes to our credit repair service.
Will you provide resources and marketing materials to assist our clients, as well as our fellow referral partners?
Of course, our website is full of free content. If you visit our Blog section, you’ll find numerous videos that can be shared on social media. We are also happy to send marketing materials for your company upon request.
Do you charge any upfront fees?
I heard that is illegal. It IS illegal! That is why we do not charge anything until the 30th day of service.
Are you a member of the BBB?
A+ baby!


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