Frequently Asked Questions

Credit repair is the process of identifying, disputing, and removing inaccurate, outdated, or unverifiable information from your credit reports. At GFCS, we also help you build positive credit and improve your overall financial profile.

We start with a full credit audit, then develop a personalized plan based on your credit goals. Each month, we send targeted dispute letters to the credit bureaus and creditors while also coaching you on ways to build and maintain strong credit habits.

Credit repair is not a quick fix — it’s a process. On average, our clients see significant improvements within 3 to 6 months, with continued growth throughout our 365 Guardian Program.

We help dispute a variety of inaccurate or unverifiable items, including:

- Collections

- Charge-offs

- Late payments

- Repossessions

- Bankruptcies

- Foreclosures

- Judgments

- Inquiries

- Student loans

Yes — as long as there are errors or outdated items on your report, credit repair can legally and ethically help you improve your score. We follow the Fair Credit Reporting Act (FCRA) and Credit Repair Organizations Act (CROA) to ensure full compliance.

Absolutely. We’re a family-owned business built on faith, trust, and results. We’re committed to transparency, ethical practices, and providing expert credit help to real people who want a fresh start.

To complete onboarding, you’ll need to:

1. Fill out our intake form

2. Sign your client agreement

3. Upload a copy of your photo ID & proof of address

4. Provide Credit Hero Score login credentials

5. Select your program or subscription

Yes. We use a third-party provider called Credit Hero Score, which gives us access to all three credit bureaus. It costs $1 for a 7-day trial (then $19.95/month). You'll need this account for us to begin working on your behalf.

Our 365 Guardian Program is $150/month for Individuals or $200/month for Couples (with a 12-month commitment). One-time services and educational presentations are also available. View our Services Page for details.

- Monthly 1-on-1 coaching calls

- Full credit audit & analysis

- Ongoing disputes and updates

- Score tracking + credit building strategies

- On-demand email/text support

- Access to our member portal + exclusive resources

Yes. We offer a 90-day satisfaction guarantee. If you’ve completed all onboarding steps and don’t see any progress after 90 days, we’ll review your case for a refund or free additional support

Absolutely. Schedule a free consultation with our team to review your situation and goals. Click here to book your call.

We're here to help. Contact us directly at (720)730-8637 or visit our Contact Tab.