Personalized Credit Repair, Professional Strategy, and Ongoing Support
Since 2013, FRS Credit has helped consumers challenge inaccurate, incomplete, inconsistent, and/or unverifiable credit reporting while providing personalized guidance to help build a stronger overall credit profile.
Whether you are preparing to buy a home, qualify for financing, or are simply ready to improve your credit, our experienced team will develop a strategy based on your unique credit reports and financial goals.
A personalized credit repair program built around your reports and goals
This program may be a good fit if:
- You are preparing to purchase a home or qualify for better financing.
- Your reports contain collections, charge-offs, late payments, repossessions, or other negative accounts.
- You have disputed on your own without getting the result you expected.
- You want an experienced team helping you navigate the credit repair process.
This may not be the best fit if:
- You are expecting overnight results.
- You are unwilling to participate in improving your overall credit profile.
- You are looking for guaranteed deletions or a guaranteed credit-score increase.
More than dispute letters
Every client receives a detailed review, a strategy based on the facts of their credit file, and ongoing guidance throughout the process.
Credit Review & Strategy
- Three-bureau credit report review
- Detailed credit audit
- Personalized dispute strategy
Professional Disputes
- Credit bureau disputes
- Creditor and furnisher disputes when appropriate
- Personal information disputes
Ongoing Guidance
- Credit-building recommendations
- Regular progress reviews
- Secure client portal and support
Here is what you can expect after getting started
A structured process from enrollment through ongoing disputes, progress reviews, and strategy updates.
Create Your Secure Account
Enter your information and establish your secure client profile.
Activate SmartCredit
Start a $1, 7-day trial for three-bureau credit monitoring.
Review Your Detailed Credit Audit
Receive a detailed analysis of your three credit reports and the negative items being reported.
Choose Your Plan
Select the Practical or Premium Plan based on your needs, service preferences, and budget.
Add Payment Information and Sign
No service payment is charged at enrollment. Review and electronically sign your service agreement.
Upload Your ID Documents
Securely upload the identification and proof-of-address documents needed to prepare your file and disputes.
Meet With Your Credit Consultant
During your scheduled phone appointment, you will review your credit reports, discuss your goals, and ask questions about the recommended strategy.
Your Credit Repair Strategy Begins
We begin communicating with the appropriate credit bureaus, furnishers, and creditors as your strategy requires.
Progress Reviews and Updated Strategies
As responses and updated reports are received, we review the results, update your file, and determine the next steps.
Helping clients qualify for homes, vehicles, and better financing
A small sample of the experiences shared by FRS Credit clients.
“FRS Credit helped improve my credit score from 580 to 725 in just five months. The results were fantastic, and I’m very thankful for the work they did.”
“After working with FRS Credit, both my husband’s credit and mine increased by more than 100 points. We were approved for our loan and are now on the path to homeownership.”
Two plans. One experienced credit repair team.
You will choose your plan after receiving your detailed credit audit during online enrollment.
Premium Plan
$129 per month
- Credit bureau disputes
- Creditor and furnisher disputes
- Personal information disputes
- Credit-building guidance
- Dedicated credit consultant
- Third-party disputes under Power of Attorney
- Enhanced dispute strategy and sequencing
- Review for potential FCRA and FDCPA compliance issues
- Ongoing consultant relationship and communication
Practical Plan
$99 per month
- Credit bureau disputes
- Creditor and furnisher disputes
- Personal information disputes
- Credit-building guidance
- First-party disputing in the client's name
- Standard dispute strategy and sequencing
- Standard service level
- Shared consultant assignment
No payment is due at enrollment. Your initial enrollment fee is scheduled five days after enrollment. Active three-bureau credit monitoring is required throughout the program.
GUARANTEE
We stand behind the value of our program
If, after six months of active participation, no inaccurate, incomplete, or unverifiable negative information has been removed from your credit reports, you may be eligible for a full refund of the fees paid.
For clients whose program is focused primarily on credit building, the guarantee may also apply when there has been no measurable improvement in the credit profile after six months.
Eligibility depends on active participation, continued credit monitoring, timely cooperation, adherence to program recommendations, and the absence of new late payments, derogatory accounts, or other activity that harms the credit profile. Complete terms are provided in the service agreement.
What to know before getting started
Yes. Federal law gives consumers the right to dispute information they believe is inaccurate, incomplete, or cannot be verified. FRS Credit helps clients exercise those rights while complying with applicable laws governing credit repair organizations.
Every credit file is different. Clients commonly begin receiving bureau responses within 30 to 45 days after disputes are submitted, but the overall process often continues for several months depending on the complexity of the reports and the client’s goals.
Credit scores may improve as inaccurate information is corrected or removed and stronger credit habits are established. However, no company can guarantee a particular score increase because every credit profile and scoring situation is different.
Yes. The service is month-to-month. You also have a five-day right to cancel after enrollment before your initial enrollment fee is charged.
Every credit file is different. Clients commonly begin receiving bureau responses within 30 to 45 days after disputes are submitted, but the overall process often continues for several months depending on the complexity of the reports and the client’s goals.
Start your personalized credit repair program today
Complete your secure online enrollment to receive your detailed credit audit, select the service plan that is right for you, and schedule your one-on-one phone consultation.
- No payment today
- 5-day right to cancel
- Month-to-month service
© FRS Credit. Results vary. No specific deletion or credit-score increase is guaranteed.