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Frequently Asked Questions


The 123 Credit Solution system takes less time and is more effective than credit repair companies and other credit repair programs. It utilizes a "self-directed" rather than a "do-it-yourself" approach. You don't have to write any letters or understand any complicated law. The trademarked and copyrighted point-and-click software takes you step by step through the process. It's simple and it's fast. This system has been honed to perfection since 1994. If you can click a mouse, you can use this software. 123 Credit Solution is the easiest, fastest, and most effective program anywhere.
Absolutely. You are entitle to this process under the Fair Credit Reporting Act. Nothing you do as part of this program can be considered illegal. It's your right!
How does the credit repair process work?

By disputing the negative and erroneous items on your credit reports, you force the credit bureaus to comply with the law and investigate the disputed items. If they are unable to validate the item, then they must, by law, remove it from your report or show it as a positive entry.

How long does the credit repair process take?
You can see results in a matter of days, or it could take several months. It depends on how many items you have and a number of other factors that are outside of your control. There are shortcut methods to speed up the process if you need to improve your credit in a hurry, as when trying to qualify for a mortgage.

How much money can I expect to save by improving my credit?

Higher credit scores can help you qualify for low refinance rates on your mortgage and reduced rates on credit cards. If you have an average amount of debt and improve your score from, say, 610 to 720, you could save as much as $350 to $450 per month. Over a lifetime, that could add up to tens of thousands of dollars.


Why can't I just repair my credit without your help?

You can. But you will likely make many easy avoidable mistakes, and there are some mistakes that are difficult to undo. 123 Credit Solution takes all the difficulty out of the process and leads you step by step to a successful outcome.


How do I find out my credit score?

You need to order your credit reports from each bureau (we show you five ways to do that for free) and request your credit score. You can also sign up for a paid subscription for unlimited access to your reports and credit scores.

What is a credit inquiry?

When a creditor (like a mortgage or credit card company) wants to check your credit, they will "inquire" with the credit bureaus. The resulting inquiry can actually negatively affect your credit score for a short time, but not by very much. If a creditor pulls your report without your consent (like to make a special offer) or if you pull your report yourself, the inquiry doesn't count against you.

Is it really possible to remove negative items from my credit report?

Certainly. Millions have done it and so can you. We have seen the proof thousands of times, so you can rest assured that success is not only possible, it's likely.


What kind of items can be removed from my credit report?

Anything can be removed, including bankruptcies, foreclosures, late payments, collections, etc. If the bureaus are unable to validate the accuracy of these items, then they are required to remove them. That doesn't mean that every negative item can be removed from every credit report, but 123 Credit Solution gives you the best opportunity for success.

How do I get a copy of my credit reports?

123 Credit Solution gives you five different ways to get free copies of your credit reports. Of course, you can also purchase the reports at any time.

What is a good credit score?

To qualify for the best rates and terms on a home mortgage, you will need at least a 680 or higher. Many lenders give their best rates to those with a 740 or better. For credit cards and car loans, you should probably qualify for the best rates with anything over a 640, though some lenders make special offers for those with over a 700 score. Anything below 620 will put you in the "sub-prime" category for home mortgages (meaning you'll pay higher fees and get a higher rate). If you have less than a 600 score, you probably won't get approved for most unsecured credit cards. Your goal should be a 770 score. We have yet to see a lender who would not give their best rates and terms to a person with that score.


Can I just get a new social security number and start over?

No. There is a method called File Segregation, but it is illegal, dangerous, and usually unsuccessful.

What if everything on my credit report is accurate?

If so, you are in a small minority. However, you are still able to dispute items based on trivial inconsistencies in reporting. For instance, if an item shows "90 days late," that could mean only that you have gone into the third 30-day period. You really may only be 68 days late. Therefore, you can legally dispute this item and the credit bureaus will have to validate it. If they can't (and we show you how to make it tough for them), then they will have to remove it from your report.

Are there any other costs associated with credit repair?

We show you how to get your credit reports for free and avoid expensive (and ineffective) credit repair companies. However, there will be som mailing fees, photocopying, and some paper. Most 123 Credit Solution customers spend less than $10 on everything.

What kind of support is there with the program?

We want you to succeed, so even though our software makes everything easy, we realize that you may still have a few questions now and then. You will have unlimited e-mail support during the crucial first 60 days. After that, we will take questions on a discretionary basis for an unlimited time.

How can I get started?
Just call us at the number below and you'll get immediate access to the 123 Credit Solution software online. Then, just click on the Step-By-Step Bad Credit Eliminator button and we'll take you through the whole process. It's easy!
 Credit Repair
(877) 434-7550 to get started today!

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