Credit restoration is a legal process where we work with credit bureaus and creditors to correct errors or remove negative accounts from your report, in compliance with federal and state laws.

Anyone with negative accounts on their credit report can benefit. We offer a free audit to evaluate your case and explain your options.

The cost depends on the accounts we work on. We charge for Credit Audit and Consultation Service fee starting at $199 up to $799, which covers the audit, preparation, and initial dispute process. After that, you only pay for results — when accounts are successfully removed — starting at $55 per account per bureau, and Public Records at $100 per account per bureau. We do not charge monthly or full upfront fees.

Every case is unique. On average, initial results can appear within 30–45 days after we send disputes, and the full process may take several months depending on your situation.

Yes. Our work complies with the Fair Credit Reporting Act (FCRA) and other federal and state regulations. We do not use illegal methods or make false promises.

We can work with medical bills, late payments, collections, foreclosures, bankruptcies, repossessions, and more. During your audit, we’ll explain which accounts have the best chances of being removed.

Removing negative accounts usually helps improve your score, but it’s also important to learn how to keep your credit healthy to maximize the results.

You’ll need your full credit report and to sign our service agreement. We’ll guide you step by step from the beginning.

Yes, by law you have the right to dispute errors yourself, but many people prefer our professional help because of our expertise, knowledge, and time savings.

We offer a guarantee: If we don’t remove anything, you don’t pay. You only pay for real results. Individual results vary. Accurate, current, and verifiable information generally cannot be removed from a credit report.

SmartCredit is essential because it allows us to monitor your credit in real time, track changes, and receive alerts from all three credit bureaus. It also provides you with full access to your credit report and score. This tool helps us act quickly when updates occur and keeps you informed and protected throughout the entire restoration process.

It’s important to note that credit monitoring has a cost of $24.99 per month, paid directly to SmartCredit.

🔔 Without credit monitoring, we cannot proceed with your case — it is a required part of our process.

✅ Yes. By law (Credit Repair Organizations Act – CROA), you have the right to cancel your agreement with Arreglocredito.com within 3 business days of signing, without any cost or penalty.

At Arreglocredito.com, we honor this right fully. If you decide not to move forward during that period, simply notify us in writing and your contract will be canceled immediately.

We also remind you that our “No Deletion, No Charge” policy means you only pay for results If no items are removed, you will not be charged..