Frequently Asked
Is Credit Education Legal?
Yes. Credit education and document processing services are legal in all 50 states under the Fair Credit Reporting Act (FCRA) and the Credit Repair Organizations Act (CROA).
Our role is to help consumers understand their credit reports, identify inaccurate or outdated items, and exercise their rights to request corrections through the proper channels.
Our role is to help consumers understand their credit reports, identify inaccurate or outdated items, and exercise their rights to request corrections through the proper channels.
Is Credit Education Worth My Time and Money?
Absolutely—if your goal is to learn how credit works and take control of your financial profile.
We don’t promise overnight results; instead, we focus on education, accuracy, and compliance.
Clients who stay engaged, follow their personalized plan, and maintain good financial habits generally see steady, positive progress over time.
We don’t promise overnight results; instead, we focus on education, accuracy, and compliance.
Clients who stay engaged, follow their personalized plan, and maintain good financial habits generally see steady, positive progress over time.
What Can I Expect When I Enroll?
You’ll begin with a Credit Audit & Analysis to review your reports from all three major bureaus.
We’ll help you identify questionable, outdated, or unverifiable information and prepare supporting documentation.
Each client receives access to our secure online portal, progress updates, and education tools designed to help build lasting credit health.
We’ll help you identify questionable, outdated, or unverifiable information and prepare supporting documentation.
Each client receives access to our secure online portal, progress updates, and education tools designed to help build lasting credit health.
Do You Guarantee Specific Results?
No. Federal law prohibits any company from guaranteeing credit score increases or the removal of specific items.
However, we do guarantee professional, ethical service, transparent communication, and full compliance with the FCRA and CROA.
If we fail to perform the services described in your signed agreement, you may request a review for a possible refund under our satisfaction policy.
However, we do guarantee professional, ethical service, transparent communication, and full compliance with the FCRA and CROA.
If we fail to perform the services described in your signed agreement, you may request a review for a possible refund under our satisfaction policy.
How Long Does It Take to See Progress?
Every client’s situation is different. Some may notice updates within a few weeks, while others take several months depending on:
- The number of items in dispute
- The responsiveness of the credit bureaus and creditors
- The client’s own credit management habits
Why Do Results Vary Between Clients?
Each credit report is unique.
Outcomes depend on factors like the age of accounts, payment history, and the accuracy of existing information.
We focus on what can be verified and corrected according to the law, not on promises of “score boosts.”
Outcomes depend on factors like the age of accounts, payment history, and the accuracy of existing information.
We focus on what can be verified and corrected according to the law, not on promises of “score boosts.”
Can Negative Items Come Back After Being Removed?
If a disputed account is later re-verified by the furnisher of information, it can reappear on your report.
However, you have the right to request re-investigation if you believe the item remains inaccurate or incomplete.
However, you have the right to request re-investigation if you believe the item remains inaccurate or incomplete.
What Types of Issues Can You Help Me With?
We can assist you in reviewing and preparing documentation for:
- Late payments
- Charge-offs and collections
- Repossessions
- Public records (bankruptcies, judgments, tax liens)
- Inquiries and personal information errors
How Do You Handle Monthly Billing and Cancellations?
We keep things simple and transparent:
- Setup/Audit Fee: $250 (one-time, after your audit is completed)
- Monthly Service: $79, billed only while you are actively enrolled
You can cancel your services at any time with at least 7 business days’ written notice before the next billing date.
Are You a Law Firm or a Credit Bureau?
No. CreditUp-Yours™ is a credit education and document-processing company.
We are not attorneys and do not provide legal advice.
Our purpose is to help you understand your credit reports and exercise your legal rights under the FCRA and CROA.
We are not attorneys and do not provide legal advice.
Our purpose is to help you understand your credit reports and exercise your legal rights under the FCRA and CROA.
Important Compliance Notice
We do not:
- Promise score increases
- Charge upfront for credit repair services
- Guarantee the removal of accurate information
These people had amazing results
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"Credit Up-Yours turned my situation around fast. My score jumped over 100 points in just a few months, and I finally qualified for a new car loan. I can’t thank them enough!"
Callum R. |
"I was skeptical at first, but this team delivered. They removed old collections I thought would never go away, and now I’m back on track to buy my first home."
Dave I. |
"Professional, honest, and effective! They explained everything clearly and gave me hope when I felt stuck. Today my credit is stronger than ever."
Gloria G. |
Testimonials reflect individual experiences. Results vary and are not guaranteed. CreditUp-Yours™ complies with the Credit Repair Organizations Act (CROA) and does not claim specific score increases or timeframes.
