Transform credit confusion into a clear, achievable path toward financial freedom with guidance you can trust.
Take Control of Your Credit
Our team of certified financial strategists has helped individuals and families reduce interest costs, negotiate with creditors, and rebuild credit scores. By combining data-driven analysis with compassionate coaching, we deliver actionable strategies that turn debt relief goals into measurable results.
Comprehensive Debt Management Solutions
Foundation Kit (DYI)
Assurance Repair
Your Questions, Answered
What exactly is credit repair?
Credit repair is the process of identifying and disputing inaccurate, unfair, or unverified negative items on your credit reports with the three major credit bureaus (Equifax, Experian, and TransUnion). The goal is to have these errors removed to improve your credit score.
Is credit repair legal?
Yes, credit repair is completely legal. The Credit Repair Organizations Act (CROA) is a federal law that protects your rights as a consumer and regulates how credit repair companies can operate. It gives you the right to dispute any information you believe is inaccurate on your credit report.
Absolutely. You have the legal right to dispute errors on your own at no cost. You can obtain your free annual credit reports, identify errors, and submit disputes directly to the credit bureaus and the data furnishers (like lenders or collections agencies). Many people successfully do this.
Can I repair my credit myself for free?
Why should I pay a professional company if I can do it myself?
While DIY is an option, professional credit repair companies (like us) bring expertise, time savings, and persistence. We understand the specific laws (like the Fair Credit Reporting Act), know how to craft effective dispute letters, track submissions, and follow up relentlessly. For complex cases or individuals short on time, our service can be more efficient and effective.
How long does the credit repair process take?
The credit bureaus have 30-45 days to investigate most disputes. However, credit repair is often a process, not a single event. Depending on the number and severity of negative items, seeing significant results can take anywhere from 3 to 6 months or more. Building great credit is a marathon, not a sprint.
Can you guarantee specific results or delete accurate information?
No ethical company can guarantee the removal of specific items or a specific score increase. If a company makes this promise, it is a major red flag. We can only dispute items we believe are questionable according to the law. We cannot remove accurate, timely, and verifiable negative information.
How much does your service cost?
Our pricing is transparent and outlined on our Services page. Most reputable companies charge a monthly fee (typically between $70-$150) after a low initial setup/work fee. We never charge per deletion, as this is illegal under the CROA.
No. The act of disputing information does not harm your credit score. In fact, if an error is removed, your score will likely improve. We focus on challenging the report's accuracy, which is your legal right.
Will using your service hurt my credit?
What can you actually remove from my report?
We focus on disputing items that may be:
Inaccurate: Wrong balances, payment dates, or accounts that aren't yours.
Outdated: Negative items past the reporting time limit (usually 7 years, 10 for bankruptcy).
Unverifiable: If the credit bureau cannot verify the item with the original lender within the legal timeframe, it must be removed.
Questionable: Items that may not adhere to strict reporting standards.
We need your personal information to pull your credit reports (with your authorization), copies of any correspondence related to your credit, and details about the specific items you have questions about. We guide you through every step.
What do you need from me to get started?
Your billing cycle with Assurance Credit Group is simple and predictable.
The DIY Foundation Kit is billed when audit appointment is conducted
The Assurance Repair is a subscription, you are billed monthly in arrears—meaning you pay for work already completed in the previous 30 days.
$0 to Start: Begin your service with no initial payment. Your case review and strategy commence immediately upon enrollment.
First Invoice at Day 7: Your initial payment covers our comprehensive credit report analysis, dispute plan creation, and the filing of your first challenges.
Ongoing Monthly Billing: We continually monitor your reports, submit disputes, and manage your case. You are billed each month for the preceding month's active service.
Cancel Anytime: You may cancel your plan at any time. A final pro-rated charge may apply for any work completed between your last billing date and your cancellation date.
**3-Day Full Refund:** Complete refund if cancelled within legal period
**No Refund for Completed Work:** For deletions/items already successfully disputed
**Processing Time:** Refunds issued within 7-10 business days
**Method:** Refund to original payment method
How does billing work?
You will receive regular updates—typically monthly—with a status of all active disputes, any results received from the bureaus, and an analysis of your current credit profile. You will always have access to your client portal.
How often will I be updated?
What happens after negative items are removed?
Our service doesn't stop at deletions. We educate you on how to build positive credit history through responsible credit use, like becoming an authorized user, using secured credit cards, and maintaining low balances. This is crucial for long-term health.
Is a higher credit score the only goal?
While a higher score is a primary goal, the ultimate objective is financial empowerment. A cleaner credit report leads to better loan approvals, lower interest rates (saving you thousands), and more opportunities—like qualifying for that dream home or affordable car loan.
About Us:
Your Trusted Partners on the Path to Financial Confidence
Our story doesn’t start in a boardroom; it started with frustration, sky-high interest rates, and a dream that felt just out of reach. Assurance Credit Group was born from our own necessity.
Like millions of Americans, we faced the daunting challenge of bad credit. We knew we were capable and responsible, but our credit reports told a different story. Navigating the complex, often confusing world of credit repair was our only option. That journey, while difficult, became our greatest teacher. We learned the intricacies of credit scoring, the power of proper dispute strategies, and the profound impact a few points can have on your financial life.
But our education didn’t stop there. As a real estate agent, one of our founders sat across the table from countless hard-working families, watching their dreams of homeownership crumble because of their credit scores. We saw the disappointment when a pre-approval fell through, and we understood the heavy cost of "subprime" mortgages—costing people tens of thousands of dollars more over the life of a loan. It was heartbreaking to see good people kept out of the market.
Another founder saw the same story from the auto sales lot. The excitement of finding the perfect car would turn into resignation when financing options came back with exorbitant rates, turning a reliable vehicle into a burdensome expense. She lived it herself, understanding firsthand how bad credit limits your choices and drains your wallet.
These experiences revealed a clear truth: the system is complicated, and people are suffering not from a lack of effort, but from a lack of guidance. We realized our personal struggle had prepared us for a greater purpose.
That’s why Assurance Credit Group exists. We transformed our frustration into expertise and our empathy into a mission. We are not just a service; we are advocates who have been in your shoes. We leverage the deep knowledge gained from our own credit repair journey and our frontline experiences in real estate and auto sales to provide a unique, empathetic, and highly effective service.
We understand your goals—whether it’s buying a home, financing a car, or simply breathing easier—are more than just numbers. They are the foundation for your family’s future and your peace of mind.
Let us use our hard-earned knowledge to help you rebuild, restore, and reclaim your financial power. Your journey to better credit starts with a team that truly understands where you’ve been and is dedicated to helping you get where you want to be.
Welcome to the Assurance team.
What Our Clients Say
“After my divorce, my credit was ruined. Working with them gave me hope. Now I’ve rented my own apartment and got a credit card again.”
“I used to avoid checking my score out of shame. Now I monitor it proudly. This service gave me my financial confidence back.”
— Former Client
“They didn’t just fix my credit—they taught me how to keep it healthy. I finally understand credit utilization and payment history.”
“The DIY guide they gave me helped me tackle small issues myself. I only used them for the big stuff. Great value.”
— Former Client
Let's Work Together
Ready to start your journey to a debt-free future? Schedule a complimentary consultation to learn how our tailored services can fit your unique situation.
