Credit repair is the process of fixing mistakes on your credit report and improving your credit score by removing errors, old debts, or negative items.

To begin, you need to:

1. Buy a plan 👉 Click Here
2. Sign up for Smart Credit  ($29.95/month) 👉 Click Here
3. Register with the Consumer Financial Protection Bureau (CFPB) (Free) 👉 Click Here
4. Upload the required documents in the 4Crown Solutions Client Portal 👉 Click Here (see full list below).

• Credit Score Login Information (Email and Password)
• Last 4 digits of your Social Security Number (SSN)
• A clear photo of your Social Security Card
• A clear photo of your driver’s license, state ID, or passport (must be unexpired)
• One of the following, dated within the last 30 days): Utility bill (electric, gas, phone, cable, trash, water)

Any adverse elements affecting your credit score will be disputed every 30–35 days. Disputes will begin 2–3 business days after payment is received. Personal Information Update: Your personal details will be updated, and security freezes will be placed if necessary. Negative Items: Collections, charge-offs, and other derogatory accounts will be disputed. Hard Inquiries: Any unauthorized or inaccurate hard inquiries will be addressed. If necessary, a CFPB complaint will be filed to expedite the process and reinforce the removal of inaccurate or unverifiable items.

The dispute process takes 7-9 calendar weeks (35-45 business days) for updates. Please do not contact us asking for updates before this timeframe. It is essential to acknowledge the unique circumstances of each individual. The duration may vary, potentially requiring less or more time based on your specific financial circumstances.

Click here to check your credit score now.

Please check your junk/spam folder. If it’s still missing, contact matrice@4crownsolutions.com for assistance.

Once you make a payment, you have 24 hours to cancel and request a refund. After 24 hours, no refunds will be given for any payments made. To read our full refund policy (including exceptions), click here.

To cancel, contact us by email (matrice@4crownsolutions.com) or phone (815-491-2694) within 24 hours of making your payment. After 24 hours, cancellations will not qualify for a refund. To read our full cancellation policy, click here.

We can remove errors and unfair items like outdated debts, incorrect accounts, and unauthorized charges. Some things, like legitimate debts, may not be removable.

Yes! As we remove negative items and help you build better credit habits, your score should improve. However, results vary for each person.

Yes! A better credit score makes it easier to get approved for loans, mortgages, and credit cards with lower interest rates.

No! Checking your own credit (soft inquiry) won’t hurt your score. Only hard inquiries, like applying for a loan, can lower your score. Click here to check your credit score now.