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Our Credit Repair Services

Some insist that individuals cannot repair their credit without waiting years for negative items to be removed. Don't believe them. Citizen Credit Repair has been doing this for a long time and in that time we have found that through continually refining and redefining our strategies, we have secured methods that provide optimal performance. Although the details of the process change as new laws are passed and regulations are added, the underlying principle has remained virtually the same when challenging inaccurate or unverifiable information from a credit report. Here are the four essential steps that make up the process of cleaning up your credit reports.

Step 1: We examine your credit reports from three major bureaus

Experian, Equifax, & TransUnion absolutely free. So we know ahead of time what we are dealing with, and whats the best angle to critique your credit report.

Step 2: We develop a plan for which items to dispute

One of our credit repair specialists will contact you within 24 hours of receiving your reports. We will go over your report in detail with you and present our plan for which items we will dispute. You will be able to access a detailed status of this progress 24/7 at our password protected customer service web site.

Step 3: Citizen Credit Repair works your case

Citizen Credit Repair begins to dispute your items by using its arsenal of credit report repair strategies and experienced staff to challenge negative items directly with the credit bureaus. Each individual case is different and depending on the number of negative items on your credit reports this step will be repeated for each subsequent loop through the cycle.

Step 4: We Will Handle The Rest. Just Sit Back And Wait For Results

The credit bureaus have a "reasonable amount of time", approximately 30 days, to investigate your dispute.

Credit Repair Companies

Some Companies Will Not Begin Without Cash Up Front. We have a free credit report analysis. We can look at your reports and see if we can help you before you signup. If you already have existing credit reports (within a couple months old), you can email them or fax them to us for our analysis. If you do not have them, you can get them from They also have a credit monitoring alerts that will let you know of any changes to your reports as well.

Full Time Credit Repair

Not only do we dispute items with the three credit reporting agencies (which not all even do that); we also send disputes directly to your creditors, collection agencies, and even courthouses! We do 100% full disputing process, not just a simple bureau dispute. We do not charge any extra for our direct dispute approach!


At the core of Citizen Credit Repair is a moral and ethical commitment to do the right thing for our clients and the right thing for our industry. Proof of our integrity can be seen in the high ratings we receive from our customers, and the amount of referrals that they send to us. Some companies keep you in the dark after they accept your money, making it almost impossible to check on your status. We give our clients 24/7 online access to their account information. We want our clients to know exactly what is going on and not be kept in the dark.