Clear Answers About Our Process:
Before getting started, please review this section — it covers the most common questions and will likely answer yours too.
Why don’t we speak to prospective clients over the phone?
We value transparency and compliance. While enrolled clients can always reach us by phone during business hours, federal regulations strictly limit how credit repair services can be offered.
👉 We are prohibited from speaking over the phone with anyone interested in signing up for our service. Until you are officially enrolled, we can only communicate with you via email or chat support.
Once you sign up, you’ll have full access — including the ability to speak with us by phone whenever you need during business hours.
We know some companies choose to ignore these rules, but we don’t. Following the law keeps both you and us safe, and ensures you get the support you deserve.
👉 We are prohibited from speaking over the phone with anyone interested in signing up for our service. Until you are officially enrolled, we can only communicate with you via email or chat support.
Once you sign up, you’ll have full access — including the ability to speak with us by phone whenever you need during business hours.
We know some companies choose to ignore these rules, but we don’t. Following the law keeps both you and us safe, and ensures you get the support you deserve.
how much is the credit repair service?
Our customers pay for two things:
1. Credit Monitoring Service
This is required to identify negative items on your credit report and to track your progress each month.
We use a third-party monitoring system that provides your credit reports. They charge $1 for a 7-day trial, then $24.99/month.
👉 Important: Without credit monitoring, we cannot see your credit reports or work on your case.
2. Our Credit Audit & Raise Service
This includes:
1. Credit Monitoring Service
This is required to identify negative items on your credit report and to track your progress each month.
We use a third-party monitoring system that provides your credit reports. They charge $1 for a 7-day trial, then $24.99/month.
👉 Important: Without credit monitoring, we cannot see your credit reports or work on your case.
2. Our Credit Audit & Raise Service
This includes:
- A full credit audit (FREE) to understand the current situation of your credit.
- A personalized strategy to reset and raise your credit score to the highest level possible.
- ONLY $125/month
- Cancel Anytime
- We share the FREE AUDIT with you
- You give us the GO-AHEAD to proceed
- AND we perform the first round of work.
How long should I be enrolled?
On average, our customers remain enrolled for 4–8 months, but the exact timeline depends on your individual situation. Credit reports update monthly, and it can take 30–45 days just for the credit bureaus to process and respond to each round of work. Sometimes they may also request additional documentation, which can extend the process.
Credit repair isn’t a “quick fix.” Think of it like going to the gym — progress takes consistency and patience, but over time it builds a stronger, healthier version of your financial self. 💪
Credit repair isn’t a “quick fix.” Think of it like going to the gym — progress takes consistency and patience, but over time it builds a stronger, healthier version of your financial self. 💪
Right to cancel anytime
Our clients have the right to cancel our service anytime, even seconds after enrolling. There is no contract or fees owed when cancelling.
Fair debt collection practices act
Debt Collection companies have laws and rules they must follow as well. Any debt collection company violating these rules could result in having their reporting removed from your credit report. https://www.ftc.gov/legal-library/browse/rules/fair-debt-collection-practices-act-text
About Deluxe Credit Audit & Raise Superhero
We are an online service dedicated to helping and educating consumers about their credit scores. Our main focus is supporting individuals with damaged credit by challenging negative information that may be holding them back.
We also guide those with little or no credit history, providing education and recommending products that can help them build a strong credit profile. Our mission is to make credit simple, actionable, and achievable for everyone.
We also guide those with little or no credit history, providing education and recommending products that can help them build a strong credit profile. Our mission is to make credit simple, actionable, and achievable for everyone.
Do I need credit building or credit repair?
- Credit Repair: If you already have credit but it’s damaged by negative accounts or mistakes, you’ll need credit repair to challenge and remove inaccurate items.
- Credit Building: If you have little to no credit history, you’ll need to build credit by starting with new accounts and positive reporting.
How does credit repair work?
Credit repair is the process of disputing negative items on your credit report that may be lowering your score. These items can often be removed or corrected if they are:
- Reported inaccurately
- Reported with missing or incomplete information
- Unverified by the creditor
- Not responded to within the required time
- In violation of federal laws such as the FCRA (Fair Credit Reporting Act) or FDCPA (Fair Debt Collection Practices Act)
In Compliance with the Credit Repair Organizations Act (CROA)
At Deluxe Credit Audit & Raise Superhero, we strictly follow all requirements of the Credit Repair Organizations Act (CROA).
✅ We never charge upfront service fees.
✅ We never make fake promises or guarantees.
✅ Clients have the right to cancel at any time.
When we process disputes, items will only be removed from a credit report if they are:
✅ We never charge upfront service fees.
✅ We never make fake promises or guarantees.
✅ Clients have the right to cancel at any time.
When we process disputes, items will only be removed from a credit report if they are:
- Inaccurate
- Incomplete
- Unverified
- Or not responded to within the required timeframe
Do I need the credit monitoring service if I already use Credit Karma or the Experian app?
Yes — you’ll still need a credit monitoring service. Credit Karma and the Experian app do not import full data from all three credit bureaus into our system, so unfortunately we can’t use them.
As much as we’d love to rely on free apps, they simply don’t provide the detailed reports we need to do our work.
If you already have a professional credit monitoring membership (such as SmartCredit, Credit Hero Score, IdentityIQ, or PrivacyGuard), we can use that — no need to enroll in a new one.
👉 Our recommendation is Credit Hero Score, as it tends to be the most cost-effective option.
As much as we’d love to rely on free apps, they simply don’t provide the detailed reports we need to do our work.
If you already have a professional credit monitoring membership (such as SmartCredit, Credit Hero Score, IdentityIQ, or PrivacyGuard), we can use that — no need to enroll in a new one.
👉 Our recommendation is Credit Hero Score, as it tends to be the most cost-effective option.
In Compliance with the Telemarketing Sales Rule (TSR)
Although Deluxe Credit Audit & Raise Superhero is not a telemarketing company, we fully follow the Telemarketing Sales Rule (TSR).
✅ We do not make cold calls or engage in telephone marketing.
✅ We only speak with clients who have formally enrolled and signed our service agreement.
✅ This agreement gives us permission to review their credit reports and discuss their specific situation.
Our goal is to protect consumers, remain compliant, and maintain full transparency in every interaction.
🔗 Learn more about the TSR: FTC Website
✅ We do not make cold calls or engage in telephone marketing.
✅ We only speak with clients who have formally enrolled and signed our service agreement.
✅ This agreement gives us permission to review their credit reports and discuss their specific situation.
Our goal is to protect consumers, remain compliant, and maintain full transparency in every interaction.
🔗 Learn more about the TSR: FTC Website
Victim of Identity Theft?
If you are a true victim of identity theft, the best step is to contact your creditors directly and follow their required procedures to remove the fraudulent information.
At this time, we do not handle identity theft cases, as they often involve complex legal matters best addressed through your creditors, the credit bureaus, and law enforcement if necessary.
At this time, we do not handle identity theft cases, as they often involve complex legal matters best addressed through your creditors, the credit bureaus, and law enforcement if necessary.
What’s Needed to Enroll?
Enrolling is simple and takes just 5 minutes. Here’s what you’ll need:
- Basic personal information
- A copy of your driver’s license
- A document to prove residency (such as a utility bill, bank or card statement, etc.)
- A valid bank-issued credit or debit card for billing
How will I be updated?
You’ll receive regular updates through several channels:
- Online Portal – Every 30 days, your portal will display your latest scores and updated account details.
- Email Updates – We’ll notify you of the new work we’re processing on your behalf.
- Mail from Credit Bureaus – The bureaus themselves will send you direct updates on your disputes.
- Phone Support – Once enrolled, you’ll have access to our office support number if you’d like to check in by phone every 30 days.
Why Choose Deluxe Credit Audit & Raise Superhero?
We’re not just another credit repair company — we’re committed to doing things the right way.
✅ Compliance & Integrity – We follow all required laws and regulations, with no shortcuts or false promises.
✅ Education First – We believe in educating consumers before they enroll, so there are no surprises or misunderstandings.
✅ Easy Communication – From your online portal to email updates, you’ll always know what’s happening — no long forms or endless phone calls required.
✅ Fair Pricing – Our pricing is simple and transparent.
✅ Strong Reputation – We’ve earned positive feedback across social media and Google because of the results and support we provide.
⚠️ Please note: Negative accounts on your profile are not created by us. Our role is to challenge and attempt to fix them. If at any point you feel we’re not the right fit, we’ll respectfully end the service — no hard feelings.
✅ Compliance & Integrity – We follow all required laws and regulations, with no shortcuts or false promises.
✅ Education First – We believe in educating consumers before they enroll, so there are no surprises or misunderstandings.
✅ Easy Communication – From your online portal to email updates, you’ll always know what’s happening — no long forms or endless phone calls required.
✅ Fair Pricing – Our pricing is simple and transparent.
✅ Strong Reputation – We’ve earned positive feedback across social media and Google because of the results and support we provide.
⚠️ Please note: Negative accounts on your profile are not created by us. Our role is to challenge and attempt to fix them. If at any point you feel we’re not the right fit, we’ll respectfully end the service — no hard feelings.
Things We Don’t Do 🚫
At Deluxe Credit Audit & Raise Superhero, we stand apart by staying honest, transparent, and compliant. Here’s what we will never do:
1️⃣ We don’t lie or make false promises.
No one can guarantee what will be removed from your credit report without first reviewing it. Promising results upfront is a violation of the Credit Repair Organizations Act (CROA). Think of it this way: would you let a doctor perform surgery without an exam, or hire a lawyer without them reviewing your case?
2️⃣ We don’t charge upfront service fees.
Any company that asks for payment before doing the work is breaking the law under CROA. We only charge after services are provided.
3️⃣ We don’t offer “credit sweeps.”
This illegal practice involves filing false police reports to remove items from your credit report. It’s fraud, it damages consumers, and it’s the reason legitimate credit repair companies get a bad name.
✅ We follow the law, educate our clients, and give you a fair, realistic path to rebuilding your credit.
1️⃣ We don’t lie or make false promises.
No one can guarantee what will be removed from your credit report without first reviewing it. Promising results upfront is a violation of the Credit Repair Organizations Act (CROA). Think of it this way: would you let a doctor perform surgery without an exam, or hire a lawyer without them reviewing your case?
2️⃣ We don’t charge upfront service fees.
Any company that asks for payment before doing the work is breaking the law under CROA. We only charge after services are provided.
3️⃣ We don’t offer “credit sweeps.”
This illegal practice involves filing false police reports to remove items from your credit report. It’s fraud, it damages consumers, and it’s the reason legitimate credit repair companies get a bad name.
✅ We follow the law, educate our clients, and give you a fair, realistic path to rebuilding your credit.
What if a creditor sues me?
If you stop making payments on a loan or credit card, the bank or creditor has the right to sue you for the balance you owe. When you opened the account, you signed an agreement promising repayment.
⚠️ If you are sued or your wages are being garnished, this is a legal matter. We do not handle lawsuits or garnishments — you’ll need to contact a lawyer or work directly with your creditor to arrange a payment plan.
It’s also important to understand the difference between debt and credit reporting:
⚠️ If you are sued or your wages are being garnished, this is a legal matter. We do not handle lawsuits or garnishments — you’ll need to contact a lawyer or work directly with your creditor to arrange a payment plan.
It’s also important to understand the difference between debt and credit reporting:
- Paying off a negative debt does not automatically remove the account from your credit report.
- If an account is deleted from your credit report, this does not mean the debt itself is erased.
What can be removed / What do you work on?
Consumers turn to credit repair services when negative items are lowering their credit scores. We review and challenge these items, and they may be removed if they are:
- Unverified
- Reported inaccurately
- Incomplete
- Not responded to in time
- Or in violation of federal laws such as the FCRA (Fair Credit Reporting Act) or FDCPA (Fair Debt Collection Practices Act)
- Late payments
- Auto Repos
- Charge-offs
- Debt collection accounts
- Bankruptcy filings
- Any other harmful information on your credit reports
What’s the difference between disputing online and hiring a credit repair service?
You can dispute items on your own online — but here’s the difference:
- DIY Online Disputes
When you dispute online, it usually sends a quick note to the credit bureaus saying “this doesn’t belong to me.” Most of the time, this isn’t enough. If the creditor responds, the item stays. In many cases, once you dispute online, you can’t dispute that same item again. There’s little room for strategy, and no paper trail — which is important. - Professional Credit Repair Services
Credit repair is a service, much like hiring a chef instead of cooking at home. Yes, you could do it yourself — but professionals save you time and apply proven strategies. We know the laws, we recognize reporting violations, and we use methods beyond “this isn’t mine.” We also send disputes by mail with documentation, creating a strong paper trail for accountability.
Will deleted items return on my credit report?
This is a common concern. If an item reappears, it usually happens with debt collection accounts that get sold or transferred to a new company, who then reports it again.
⚠️ This doesn’t mean the same account “came back.” It’s simply a new report of the same debt. In many cases, this can be challenged as duplicate reporting, especially if the bureaus already found the account unverified before.
While frustrating, this is sometimes part of the process — and we’ll continue working to dispute any duplicate or unverified accounts to protect your credit.
⚠️ This doesn’t mean the same account “came back.” It’s simply a new report of the same debt. In many cases, this can be challenged as duplicate reporting, especially if the bureaus already found the account unverified before.
While frustrating, this is sometimes part of the process — and we’ll continue working to dispute any duplicate or unverified accounts to protect your credit.
Will paying my bad debts delete the negative reporting?
You may have heard the advice: “Just pay your bills and your credit will be fixed.” Unfortunately, that’s not how it works.
⚠️ We do not give legal advice on whether you should pay debt collectors or charged-off accounts — for that, you should consult an attorney.
- Paying off collections, charge-offs, or late accounts does not erase the negative history. These items can remain on your credit report for up to 7 years.
- Once the damage is done, paying the balance may stop further collections, but the negative record usually still reports.
⚠️ We do not give legal advice on whether you should pay debt collectors or charged-off accounts — for that, you should consult an attorney.
Will hiring a credit repair company automatically “fix my credit”?
No — and anyone who tells you otherwise is violating the Credit Repair Organizations Act (CROA). It is impossible to guarantee results before reviewing your credit reports. Companies that make these promises are often scams.
Think of it like hiring a lawyer:
Think of it like hiring a lawyer:
- If you’re arrested, a lawyer can’t promise you’ll walk away free.
- What they can do is use their knowledge of the law to negotiate, challenge evidence, and fight for the best possible outcome.
How will I be billed?
Your card on file will only be billed after services are completed, starting the month following your enrollment.
- Billing recurs on the same date you signed up (unless you request a different date).
- You’ll always receive an email reminder in advance, so you know when your payment is coming.
How do I update my payment method?
You’ll receive email reminders 7 days and 3 days before your payment date. These reminders include a link where you can:
- Update your payment method
- Request a new billing date
- Or cancel future services if needed
Can I request a refund?
We work hard to keep our company drama-free and stress-free. That’s why:
📌 Example: If you’ve been enrolled for several months and later claim you “didn’t know,” we can only cancel your account moving forward. This is similar to using a Netflix account for months and then requesting a refund — it simply isn’t possible.
- We never charge upfront fees — you only pay after services have been provided.
- You may cancel at any time before the next billing cycle to avoid further charges.
📌 Example: If you’ve been enrolled for several months and later claim you “didn’t know,” we can only cancel your account moving forward. This is similar to using a Netflix account for months and then requesting a refund — it simply isn’t possible.
Is my payment method stored safely?
Absolutely. Your payment information is processed through a secure, encrypted system. We cannot see or access your full card details — only the last 4 digits are visible for verification purposes.
Your privacy and security are always protected. 🔒
Your privacy and security are always protected. 🔒
Can I request a phone consultation?
Yes — but phone consultations are reserved only for fully enrolled clients.
Here’s why:
Here’s why:
- Our support number is shared with active clients so we can focus on their specific case needs.
- General questions about pricing, timelines, or how the process works are already answered on our website and in our FAQs.
- If we opened the phone lines for every inquiry, our team wouldn’t have enough time to properly serve enrolled clients.
Can my credit get fixed fast?
You’ve probably heard the saying: “If it sounds too good to be true, it probably is.”
Unfortunately, there are many so-called “credit repair people” claiming they can fix your credit in 24 hours, 72 hours, or a week. If that were true, no one would have bad credit. These false promises not only mislead consumers but also create stricter regulations that legitimate companies like ours must follow.
The truth: credit repair takes time. Each round of disputes with the credit bureaus can take 30–45 days to process, and real progress often requires several rounds. While we work as efficiently as possible, patience and consistency are the only safe path to lasting results.
Unfortunately, there are many so-called “credit repair people” claiming they can fix your credit in 24 hours, 72 hours, or a week. If that were true, no one would have bad credit. These false promises not only mislead consumers but also create stricter regulations that legitimate companies like ours must follow.
The truth: credit repair takes time. Each round of disputes with the credit bureaus can take 30–45 days to process, and real progress often requires several rounds. While we work as efficiently as possible, patience and consistency are the only safe path to lasting results.
Will my credit score drop?
This is a common concern, but the truth is: credit repair companies do not control your score. Your credit score only drops when new negative activity is added to your report. For example:
- Missing a payment → scores drop
- Applying for new financing (hard inquiries) → scores drop
- Accounts going into charge-off or collections → scores drop
- Carrying high balances on credit cards when reported → scores drop
- Opening new accounts (which lowers your average age of credit) → scores drop
What if I have more questions before I enroll?
Don’t worry — we’re here to help!
This FAQ was designed to cover the most common questions we get every day, but of course, everyone’s situation is unique. If you have a question that affects you more directly, we’d love to hear it.
📌 Simply fill out our contact form, and our team will be happy to get back to you with the answers you need.
This FAQ was designed to cover the most common questions we get every day, but of course, everyone’s situation is unique. If you have a question that affects you more directly, we’d love to hear it.
📌 Simply fill out our contact form, and our team will be happy to get back to you with the answers you need.
Can I pay money upfront and avoid future billing?
No. As required by the Credit Repair Organizations Act (CROA), we do not accept any upfront payments.
We only bill after services have been provided. Staying in compliance with federal law is more important to us than risking fines or penalties by taking advance payments.
This protects both you as the client and us as the service provider, ensuring everything is handled fairly and legally.
We only bill after services have been provided. Staying in compliance with federal law is more important to us than risking fines or penalties by taking advance payments.
This protects both you as the client and us as the service provider, ensuring everything is handled fairly and legally.
Can I (or do I need to) meet in person?
No in-person meetings are required — our service is 100% online. Just like paying your utility bills, everything can be handled securely and conveniently from home.
Our website already answers most common questions, and if you need more help, you can easily reach us through our contact form. Once you’re enrolled, you’ll also have access to our support number, so you can get answers in a quick 3–5 minute call — without the hassle of scheduling or traveling.
This way, you get fast, secure, and efficient service without ever needing to meet in person.
Our website already answers most common questions, and if you need more help, you can easily reach us through our contact form. Once you’re enrolled, you’ll also have access to our support number, so you can get answers in a quick 3–5 minute call — without the hassle of scheduling or traveling.
This way, you get fast, secure, and efficient service without ever needing to meet in person.
If you’re ready to take control of your credit, we’re here to make the process simple, honest, and stress-free. Our focus is on education, transparency, and real results — no false promises, no hidden fees. Click below to get started on your journey to a stronger credit future!
What you will get!
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How it works
SignupWe'll give you a free consultation and
credit analysis |
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negative items on your report |
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step of the way |
