Credit Restoration • FCRA-Aware Support
Tired of Credit Rejection? Start With a Free Credit Review and a $47 FMYCAR Credit Analysis.
Build healthy credit, restore accuracy, and rebuild confidence. FMYCAR’s FCRA-aware process helps you challenge inaccurate items and build smart habits—without pressure, gimmicks, or false promises.
You have the right to fair, verifiable information. We help you understand your reports, challenge inaccurate, misleading, or unverifiable items, and build routines that support healthier credit over time.
What You Get When You Work With FMYCAR Credit Restoration
Start with clarity, then decide how far you want to go. Every step is built around laws, documentation, and long-term credit health—not quick fixes.
Credit Analysis
Price: $47 • One-time
A one-time, in-depth review of your three-bureau credit reports.
- • Understand how a better score can save you money.
- • Clear breakdown of your scores and key factors.
- • Summary of inaccurate, misleading, or unverifiable accounts.
- • Complete list of all negative accounts on your reports.
Credit Restoration
Price: $97 per service completion
For clients who want us to handle the heavy lifting after their analysis.
- • Prepare dispute rounds for credit bureaus.
- • Prepare dispute rounds for creditors, if needed.
- • Prepare dispute rounds for collectors, if needed.
- • Review updated reports via your monitoring account.
- • Review all updated documents sent to our company.
- • File complaints to regulatory agencies if needed.
- • Ongoing education by email on the process and score habits.
- • Keep your client portal updated with your credit progress.
- • Reach out by phone as needed to review key changes.
Fixing your credit starts with accuracy. We focus on correcting, updating, or removing inaccurate, misleading, and unverifiable items—then helping you build a routine that supports better credit going forward.
How Credit Restoration Works — From Reports to Results
Our process is built around your rights under the FCRA, FCBA, and FDCPA. No magic tricks. No gimmicks. Just a structured plan to restore accuracy and build better credit habits.
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1
Pull & Review You provide your credit reports from all three bureaus (Equifax, TransUnion, Experian)—we prefer SmartCredit, but you can use any provider. We flag inaccurate, misleading, or unverifiable items and identify what’s pulling your scores down.
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2
Dispute & Verify We prepare targeted disputes and verification requests to credit bureaus, creditors, and collectors as needed under FCRA/FCBA/FDCPA—focusing on accuracy, documentation, and your rights to fair reporting.
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3
Rebuild & Repeat Once updates come back (usually in 30–40 days), we analyze changes, update your file, and decide what should be challenged next. In parallel, we coach you on utilization, on-time payments, and rebuilding so your score improves from both directions.
Our focus is to fix your credit from start to finish, within the law. We can’t erase your past, but we can correct what’s wrong, guide your next steps, and help you move closer to approvals again.
Why Credit Repair with FMYCAR?
The credit world can feel like a maze. Our job is to simplify the process, protect you with education, and handle the heavy lifting so you can focus on your life—not your credit score.
Our number one priority is to help you get back your financial life. Education, structure, and support are at the center of everything we do.
Our Commitment to You
We are a growing credit restoration company specializing in restructuring and rebuilding your lost credit. Our mission is simple: help you get approved again, with confidence.
- • Education-first approach to raising your credit score.
- • Step-by-step guidance on rebuilding and restoring credit.
- • Support with settling debts and dealing with collectors.
- • Clear expectations—no unrealistic guarantees.
No-Risk, No-Hassle Experience
- No-Risk Refund Policy. Your satisfaction matters. If you’re not happy, you can review our refund policy and next steps.
- No-Hassle Cancellation. Month-to-month programs. Cancel anytime with no yearly contract—just email us.
- Free Consultation. Before any full program, you get a free evaluation to decide if we’re the right fit.
- Support. We pride ourselves on top-tier customer service. Reach us by email, and expect a response within 24 hours.
We’re here to lift the burden of the “credit repair maze” off your shoulders and handle the work so you can focus on moving forward.
How to Get Started
Getting started is simple. We start with clarity, then build a plan that makes sense for your situation.
Step One
Share Your Reports
You provide your credit reports from Equifax, TransUnion, and Experian. We prefer SmartCredit for ease of use, but you can use any provider you’re comfortable with.
Step Two
Deep Credit Analysis
We perform your $47 Credit Analysis: spotting inaccuracies, identifying score-drivers, and outlining specific steps to fix and rebuild your credit from start to finish.
Step Three
Launch Restoration
If you choose, we enroll you in Credit Restoration at $97 per service completion. We load inaccurate, misleading, and unverifiable items into our system and begin targeted disputes.
Step Four
Track, Educate, Repeat
We review updates every 30–40 days, adjust your file, and repeat as appropriate. You track progress in your portal and receive weekly education to keep your score moving up.
Schedule Your Free Credit Review Call
Choose a time that works for you. This call is focused on one thing: understanding your situation and deciding whether a $47 Credit Analysis and optional restoration is the right next step.
The initial review call is free. If you choose to move forward, your advisor will clearly explain the $47 Credit Analysis and any restoration work at $97 per service completion before you enroll. No surprises, no forced commitments.
Questions About the Credit Repair Program
Here are some of the most common questions people ask before they start working with FMYCAR on credit restoration.
Do I need perfect reports before we talk? +
No. Most people come to us because they feel overwhelmed by what’s already on their reports. The first step is simply understanding what’s there and what your options are under the law.
How long does credit restoration take? +
It depends on your situation. Many dispute rounds update in 30–40 days, but multiple cycles may be needed. We’ll set expectations based on what’s in your reports and keep you updated in your portal.
Can you promise a specific score increase? +
No one can legally guarantee specific scores or approvals. We focus on accuracy, education, and better habits. Your results depend on your starting point, the items on your reports, and the choices you make going forward.
Is there a contract or long-term commitment? +
No long-term contracts. Our programs are month-to-month with a no-hassle cancellation policy. You can cancel anytime by email—no yearly or multi-month lock-in.