How it Works
Flow Of Your CreditStream
Our three phase approach helps streamline the cycle of events to manage expectations for our clients. We believe in providing a clear and transparent overview to help you stay informed.
CreditStream leverages experience and proven successes to deliver a five star experience to our clients.
90 Day Guarantee
Choose your plan, Sign up and Monitor
Our simple three step process is designed to eliminate the guesswork. Simply choose the plan that works best for you, sign up and then monitor progress.
Did you know?
The Fair Credit Reporting Act (FCRA) exist to protect consumers by governing credit bureaus, furnishers and financial institutions alike. The act provides a very comprehensive overview of rights available to consumers including but not limited to:
Credit bureaus are required to provide one free credit report every 12 months.
Credit bureaus are required to verify the accuracy of information listed on the report.
Creditors and financial institutions are required to only report complete and accurate consumer information.
Consumers can challenge incorrect and incomplete items listed on a credit report.
Consumers can seek damages from credit bureaus and furnishers violating the FCRA.
Consumers can limit who can access your credit reports.
Consumers can request if your credit report is being used against you financially.
See more about the FCRA and your rights as a consumer below.
Frequently Asked Questions
The latest from CreditStream
What is credit repair?
Credit repair is the process of improving a poor credit score by addressing or removing negative items that could be listed on your reports inaccurately. Although the Fair Credit Reporting Act outlined the right for Americans to have accurate credit reports, credit reporting agencies require you to navigate complicated online systems and send a series of formal dispute letters in order to fix your credit.
Can I do credit repair on my own?
Absolutely! In fact you can do everything that we do completely on your own. However, if you prefer to work with our team we will leverage our experience to help you on your credit journey.
How do I know if a credit repair agency is reputable?
There are a number of exceptional agencies out there with stellar reputations but there are some key things to keep an eye out for. 1. Are they attempting to charge you upfront? Credit repair agencies may charge a first work fee but not until a service is actually performed. 2. Are they making guarantees? While every agency strives to deliver a 5 star experience results do vary and nothing is guaranteed. 3. Is the agency able to clearly explain the process taken to fix your credit?
How long does the credit repair process take?
Credit repair is not an exact science and each report is unique. With that, time frames do vary but we work with a number of clients each month and typically they stay with us for six months.
What is your cancellation policy?
You may cancel your service anytime within 5 business days of enrollment for a full refund by sending us certified mail to the address on your agreement or via email at . We bill after work has been performed therefor cancellations after 5 business days shall require 30 days notice and one final payment due for services rendered.
What are clients are saying?
"Not just another repair agency"
CreditStream helped me learn more about financial literacy on my credit journey.