Your browser version is outdated. We recommend that you update your browser to the latest version.

theFrequently Asked Questions

Is Credit Repair and Rebuilding legal?

Yes, credit repair and rebuilding is legal and the Credilife® Credit Improvement Program will help you to use the law in your favor. That law is called "The Fair Credit Reporting Act." The FCRA gives you the right to dispute any item on your credit report. If that item cannot be verified within a reasonable time (usually 30 days) it must be removed. Studies have shown that 79% of all credit reports contain errors. This is nearly 8 out of 10 reports. Therefore most credit reports improve immediately. For items that disputed that are not errors, a creditor or furnisher is often unable to find the records or signed documents within the allotted time and the item gets removed. Sometimes the furnisher will say it has been verified by not offer proof. It is our job to prepare documents that challenge this and we are very skilled at that.


Is Credilife® worth my time and money?

Contrary to what credit bureaus want you to believe, credit training does work in most circumstances. But it only works if you are getting the best advice from an experienced professional. Anyone with a credit score below 720 can benefit long-term from the advice and information provided through credit education. However, there are limiting factors that will prevent us from helping you. Two main factors are: (1) your financial situation and/or (2) the time frame in which you need to reach your results. It is possible to remove anything from a credit report, even accurate items. For instance, if the creditor makes mistakes or does not adhere to the specific time frame, the negative item may be removed.

Checkout the national company's website here:, Credilife® represents a leader in the space of personal and financial wellness through a robust offering of service options developed in an effort to assist consumers across the country with their most common financial complaints.


What can I expect when I enroll into the Credit Improvement Program?

We will guide you through the process from start to finish and prepare all your documents for you. We have a superb knowledge of credit scoring and experience working with creditors and credit bureaus. It may be difficult for an individual to communicate with creditors and bureaus without an adept understanding of their techniques and regulations in place for credit reporting. We have spent a great deal of time learning the laws that will help you to remove negative information on your report, which enables us to offer you a flawless, money back guarantee system.


What is the Credit Builder Blueprint®?

A personalized outline of the your credit improvement program in physical book form that works to help you:

  • Understand the path outlined to achieve your credit related goals
  • Rebuild and strengthen your credit profile 
  • Better understand the credit repair process
  • Better understand your credit report
  • Improve your credit profile! 




What is your cancellation policy?

The contract is fulfilled over a 30-Day Term. Upon expiration of the initial 30-Day contract term, the Agreement will automatically renew for the same term, unless the customer provides written notice of termination 30 days prior to the renewal.

Written notice may be provided via email to, by fax to 888-576-2860, or by regular mail to: 12751 County Road 5 Suite 100, Burnsville, MN 55337.

All services are billed in arrears.

Because fees are charged after rendering services, fees are generally not refundable.


How long will it take to raise my score?

Through our services, 93% of our clients see their credit score increase 10 points or more in the first 45 days. Over the course of the full program based on timeframes that will be determined during the detailed credit assessment and credit consultation, the average credit score increase is 80 points. See full statistical breakdown.


Why are your results different?

There are two sides to the credit score battle. Sometimes, the creditors and the credit bureaus have done absolutely everything right and we have no case against them. On average, clients are able to remove 70% of the negative items from a credit report.


Will the removed items come back?

Items cannot come back as long as the item is current or paid at the time of removal or if the collection is older than three years. This holds true except in very rare circumstances.


What items can you help me to remove and improve?

With our assistance and document processing, our clients have had great success with bankruptcies, foreclosures, collections, charge-offs, repossessions, medical bills, credit card debt, inquiries, late payments, old addresses, judgments, tax liens and student loans.