Yes—My Credit Care works exclusively with licensed attorneys and certified credit experts to ensure every step of the process is 100% legal, transparent, and compliant. We are trusted by mortgage professionals, including NEXA Mortgage, and listed on LoanOfficerSupport.com as a verified credit solution partner. Our clients are protected every step of the way with clear terms, legal oversight, and a money-back guarantee.

Our credit repair program typically lasts 3 to 6 months, but many clients see results within the first 30 days—often after the very first round of challenges. Because we use advanced Metro 2 compliance techniques, not just traditional disputes, we’re able to get faster, more permanent results. That’s why trusted partners like NEXA Mortgage list us as their exclusive credit repair vendor on LoanOfficerSupport.com. Here’s what makes our program different: Most clients see results in 30 days No long-term contract – Cancel anytime once you’re satisfied 100% Money-Back Guarantee if we don’t remove negative items or improve your score Faster results than typical credit repair companies We’ve built our program to get you results fast—because that’s what matters when you're trying to qualify for a home, a vehicle, or just peace of mind.

In most cases, clients see their credit scores improve as negative items are removed and their debt balances decrease. Unlike traditional debt settlement programs that may damage credit temporarily, our approach focuses on debt validation and credit compliance, not missed payments. We aim to protect and improve your credit—not hurt it.

Yes—you absolutely can attempt credit repair on your own. But most people find the process time-consuming, confusing, and ineffective without the right tools and knowledge. Our team uses Metro 2 compliance, a higher standard than basic online disputes, and works directly with legal experts to challenge creditors and bureaus properly. If you're serious about results and don’t want to waste time guessing what works, we’re here to do it faster, more effectively, and with a money-back guarantee.

Yes, many negative items can be removed—and often are. Most clients are surprised by how much can be deleted when credit reporting laws are applied correctly. We use advanced Metro 2 compliance standards to challenge accounts that are inaccurate, outdated, or cannot be verified according to federal law. If the furnisher or credit bureau cannot prove the account is reporting correctly, it must be removed. Common items we’ve successfully removed include: Late payments Charge-offs Collections Repossessions Medical bills Utility accounts Even bankruptcies in some cases While not every item is guaranteed to come off, our clients see real results—fast. And with our money-back guarantee, there’s zero risk in seeing what can be cleaned up.

Yes, credit repair is completely legal. Under the Fair Credit Reporting Act (FCRA), you have the right to dispute any information on your credit report that you believe is inaccurate or unverifiable.At My Credit Care, we utilize legal and compliant methods to challenge such items, ensuring your credit report reflects accurate information. ​Consumer Advice

Yes. There are no long-term contracts. You're free to cancel the program at any point once you feel satisfied with your results. We don’t lock you in or penalize you for leaving. Our goal is simple: deliver fast, meaningful results so you want to stay—not because you’re forced to.

Results will vary depending on your credit history, but most of our clients experience a 50 to 150+ point increase during the program. In some cases, we’ve seen clients raise their scores by as much as 196 points—especially when multiple negative accounts are removed early on. What sets us apart is our use of Metro 2 compliance standards, allowing us to challenge inaccurate or unverifiable negative items in a way that often delivers faster and more permanent results than traditional methods. ✅ Most clients see results within the first 30 days ✅ Money-back guarantee if your score doesn’t improve or no negative items are removed ✅ You’re free to cancel anytime once you’re happy with your progress With the right plan and consistent effort, big improvements are not just possible—they’re expected.

At My Credit Care, our debt relief program is designed to help you resolve unsecured debts—such as credit cards, personal loans, and medical bills—through a structured, legal-based approach.​ Here's how the process works: Free Debt Assessment: We begin with a complimentary consultation to understand your financial situation and discuss your debt relief options.​ Debt Validation: Our legal team reviews your debts to determine their validity. If any debts are found to be invalid or unenforceable, we work to have them dismissed.​ Debt Settlement: For valid debts, our attorneys negotiate with your creditors to reduce the total amount owed, aiming to settle the debts for less than the original balance.​ Personalized Plan: We develop a customized debt resolution plan that fits your budget, often resulting in a single, lower monthly payment.​ Throughout the process, our legal professionals handle all communications with creditors, ensuring your rights are protected and aiming to relieve you from the stress of debt collection efforts.

At My Credit Care, we offer a legal-based debt relief program focused on helping you challenge and eliminate debts that may not be legally enforceable. Our services include: Debt Validation Our partnered law firm investigates whether third-party debt collectors can legally prove ownership and the right to collect on your debts. If they can’t, we pursue dismissal and removal of those debts. Debt Resolution If a debt is found to be valid, our legal team will negotiate a reduced settlement on your behalf—with no added settlement fees. Legal Protection & Representation If you’re ever served a lawsuit for a debt included in the program, the law firm will represent you in court at no extra cost. Credit Repair & Support We provide guidance on how to improve your credit profile throughout the program, especially as debts are removed or resolved. This isn’t traditional debt settlement. It’s a smarter, more protective approach—backed by attorneys—to help you resolve your debt legally, affordably, and permanently.

Every situation is different—but many of our clients save thousands of dollars by removing invalid debts, stopping interest accumulation, and avoiding unnecessary settlement fees. Here’s how savings happen with My Credit Care: Invalid Debts May Be Dismissed – If a third-party debt collector cannot prove they legally own or can collect on a debt, it may be eliminated entirely through our legal validation process. No Settlement Fees – Unlike traditional settlement companies, there are no extra fees if a debt turns out to be valid and needs to be resolved through negotiation. No Court Fees – If you’re ever served with a lawsuit, your legal representation is already included—no extra charge. Most clients experience immediate monthly savings by replacing multiple payments and fees with one lower monthly payment to the law firm. Long-term, those who qualify to have debts dismissed can experience significant financial relief and a faster path to rebuilding credit.

At My Credit Care, there are no upfront fees and no obligations to enroll after your consultation.​ Once you enroll in the program, you’ll make a single, affordable monthly payment to the partnered law firm. This payment covers all services, including debt validation, legal representation, and any necessary debt settlement negotiations.​ Importantly, there are:​ No additional fees for settling valid debts: If a debt is validated and requires settlement, there are no extra charges beyond your agreed monthly payment.​ No extra costs for legal representation: Should you receive a summons, the law firm will represent you in court at no additional cost.​ This straightforward fee structure ensures transparency and affordability throughout your journey to becoming debt-free.​

Our program covers a wide range of unsecured and collection-based debts, including accounts that are often overlooked by traditional programs. You may qualify if you have any of the following: Credit cards Medical bills Unsecured personal loans Payday loans Private student loans Past due rent Business accounts Vehicle repossessions Collection accounts Utility bills (as long as you’re no longer using the same provider) Foreclosures Accounts with legal actions or pending lawsuits If you're unsure whether your debt qualifies, we offer a free consultation to review your accounts and confirm eligibility. Our legal team can help even if you're currently being contacted by collectors or have been served with a summons.