Do You Have Questions About Credit Repair? We Have Answers!

At OPTIMAL CREDIT, we want our clients to be educated about credit repair to help them make well-informed decisions about their financial situation. For this reason, we have compiled a list of frequently asked questions so you can learn the basics of credit repair and how it works. You’ll also learn more about who we are, what we do, and how we rate our services.

What Is the Process?

The only challenging part of our work is when we dispute with the bureaus for any inaccurate information reflected on your credit report. With that aside, the rest of the process is fast and easy. Here’s how it works:

  1. Submit an application requesting our service through our website.
  2. Once we receive your application, we will immediately create your new client dashboard on our website. We will also start importing your latest credit reports and scores so we can promptly provide you with a credit analysis. In this process, we will go through every detail of your report so we can know what your credit situation is and how it is affecting you. From there, we will identify what steps we should take to help improve your credit profile with all three major credit reporting agencies.
  3. Upon completion of your credit’s auditing process and when you have obtained you photo IDs for proof of identification, we will then submit the disputes directly to the bureaus. The investigation of your credit report will then follow.
  4. The Fair Credit Reporting Act (FCRA) permits the bureaus to take up to 30–45 days to complete the investigations. In many cases, this process lasts for 30 days or less.
  5. Once the investigations have been completed, the bureaus will notify you via mail. They may also email you the results. This time, we will revisit your profile to see what changes have occurred over the previous month. Our review process includes looking for items/accounts that were either deleted, repaired, or removed. If we find items that were “verified,” we will then follow back up with the bureaus as well as the creditor to see validation of the accounts, until we reach the ultimate goal of correcting every negative account listed on your credit reports.
  6. This process will continue month after month until you are happy with the results.

What Do I Have to Do on My End?

Your job is very simple! All you have to do is submit an application, and our team will take care of restoring your credit.

When we submit disputes and challenges on your behalf, the bureaus and creditors will always respond directly back to you! They will never send us any of your reports and results of your investigations for your privacy.

Once you receive your reports and/or correspondences back, you simply have to inform us via email or fax what the mail/email was about. When we receive your notification, your case manager will then review your documents, inform/update you of any changes or notations, and take all of the necessary actions to proceed with a follow-up dispute.

You can email all documents to support@optimalcredit.com or fax them to us.

How Long Does It Take?

Every case we handle is different from one another. No two cases are alike because no two individuals have the same circumstances. Therefore, the results for everyone may vary. Some clients receive 100% deletions in 30–45 days, while some may see 80–90% deletion statistics in 6–8 months. It depends on what type of accounts are on your credit. How old are they? How much do you owe? All of these things come into play when challenging items on your credit.

At OPTIMAL CREDIT, the majority of our clients see an overall 40–60% deletion rate in just 30 days or less, and our average client is with us for 4–6 months. Within that time frame, these clients have obtained new credit and higher credit scores. They have also gained a better understanding of how to manage their credit on a daily basis.

As part of our efforts to respond to our client's needs as quickly as possible, we offer a valuable time-saving service known as the Platinum Program. This can be applied to any of our custom programs to expedite your credit report repair process.

What Can You Dispute?

We can dispute any item! No item is off limits, and there has been no item that we were not able to delete, repair, or remove, as long as the account in question is misleading, unverifiable, or inaccurate.

Federal law requires that all disputes be submitted in good faith. With that being said, we dispute accounts based on the details you provided to your account manager. This way, we can compile the best legal dispute letter needed to challenge the data being reported.

We can dispute any account that you request. However, some accounts can be more challenging than others and take a lot more effort and time to remove. This is a list of items that we have removed from our clients’ profiles over the past few years:

  • Late Payments
  • Student Loans
  • Charge-Offs
  • Bankruptcies
  • Tax Liens
  • Judgments
  • Evictions
  • Repossessions
  • Medical Collections
  • Nonmedical Collections
  • Inaccurate Personal Information (Names, Addresses, Etc.)
  • Any Other Damaging Item on Your Credit Reports

Can You Consolidate My Student Loans?

If you need help with lowering your student loan payments or consolidating those debts, we would be glad to assist you. We have a Student Loan department that does an excellent job of getting clients out of a default state and improving credit significantly. In many cases, we have qualified clients for a very low monthly payment by consolidating all of their loans into one small payment.

If you are interested in how we can help you, you may click this link to read more about the Student Loan Program.

How Much Does It Cost?

We understand that every credit profile is different. This is why we offer custom programs tailored to address your needs. Once you’ve decided to let us handle your credit repair needs, you will be presented various program options that are not only affordable but also can also provide you an individualized solution. Our Popular Credit Repair Program ($79/month) includes:

  • Credit Analysis
  • Online Dispute Manager
  • Custom Dispute Letters
  • 24/7 Portal Access
  • Personal Credit Coach
  • Financial Tools

On top of our Popular Package, we also awesome upgrades that we have designed to obtain immediate results and expedite the credit repair process. To achieve this, we submit multiple methods of challenges to the bureaus all at the same time as well as disputing online. We also send letters specifically to every creditor/collector.

If you are in a situation not covered by our renowned credit repair program, you don’t have to worry. We also offer the following products:

  • Inquiry Removal
  • High Limit Funding
  • High Limit Tradelines

All of these are designed to provide you with the optimal credit possible. To learn more about our products and pricing, get in touch with us. We’ll gladly answer all of your questions and concerns.

How Does the Billing Work?

OPTIMAL CREDIT does not charge in advance for credit repair services. In compliance with the Credit Repair Organizations Act, we only charge for our services after they have been fully rendered. Your first payment is called a “First Work Fee,” or “Document and Processing/Audit Fee”, and is made after we have completed the identified services relating to this payment as detailed in the service agreement, usually billed within 7 days. Each monthly payment thereafter covers the monthly services detailed in the service agreement fully rendered during the previous month. Your monthly payments will begin one month after your first work fee has been collected.

Is There a Discount for Signing Up With a Friend or
Family Member?

Absolutely! We proudly offer a 25% couples’ discount for any two people that seek our services. Although you may not be related or you may not be a couple, you will still get a discount. Sign up now for our couples’ program, and avail our services at a discounted rate. We will still set up two separate accounts, one for each of you to ensure the best service and results possible. Contact us today if you would like to add a friend or a family member.

Does OPTIMAL CREDIT Offer Discounts for Referrals?

We love referrals! For our referral program, we will apply a $35 credit to your monthly bill for every client or $50 for every couple you refer to us. This is our way of expressing our gratefulness for spreading the word about our services to those closest to you. Aside from that, our referral program can also help you save on your monthly bill!

Can I Repair My Own Credit?

Yes! In many cases, we actually encourage it! You can repair your credit without the help of a credit restoration company. However, it takes knowing the correct process to challenge accounts as well as time and persistence. It is not an overnight fix, but if you will persevere, you will achieve great results. We sell our credit repair methods to clients who feel they are up to the task. It is an eBook with a step-by-step guide to help you obtain a great credit score. If you are interested in repairing your own credit, purchasing our DIY eBook will give you a good start.

Why Does My Score Drop During the Dispute Process?

OPTIMAL CREDIT focuses on removing inaccurate, misleading, and unverifiable information from your credit profile. While we are engaged in the dispute process with the credit bureaus, your score may change periodically, especially since 35% of your score is based on your entire credit history. As we are working to correct negative items within your credit history, you can also see your scores improving.

When disputing ‘negative’ information on your credit report, the credit bureaus will remove the item(s) in question until it is verified, modified, or deleted. Since we are disputing primarily ‘negative’ items on your report, your score may increase during the process because the negative item is temporarily removed until the investigation is over. This temporary score is not an indicator of your final credit score. (Disputing personal information such as an incorrect address or date of birth will not affect your credit score.) Upon completion of the dispute process, your credit report will then show the new score. Keep in mind that each credit bureau has different criteria for determining your score, which is why your score varies from bureau to bureau.

How Many Points Can I Expect to Receive?

Scores and point increases vary across cases. At OPTIMAL CREDIT, we put a huge emphasis on ‘Credit Report’ versus ‘Credit Score’, simply due to the fact that clients who lack the necessary credit accounts and types will not see as much of a credit score increase as someone who already possesses multiple lines of positive credit. We do see that 75–90% of our clients receive a score increase within their very first month, ranging anywhere from 25–200 points. Again, these results will vary due to how the negative accounts that were on the credit file were affecting the credit score. For clients who do not have much or any positive credit at all, the goal is to remove the negative accounts first, then focus on rebuilding and re-establishing a new clean credit, which will result in higher scores reporting month after month.

Should I Pay Off My Credit Accounts?

As a consumer, it is always in your best interest to pay off any balances that you owe. When disputing items and accounts on your credit report, pursuing deletions when accounts have been paid off (zero balance) will be easier. Paying your accounts off will be beneficial for you because it facilitates the dispute process and further collection activities are ceased. As a collection tactic, creditors prefer to invest their time and efforts in verifying negative information that still has a balance due. As you are paying off your creditors, ask them to send you a confirmation letter that the account has a zero balance.

Important Note: If a creditor or collector agrees to settle an account for less than the full amount, have them send you a written statement to protect yourself from further collection activity and unethical collectors harassing you for the original balance later.

Should I Close My Paid-Off Accounts?

When reviewing your credit to decide if you should keep an account open or closed, you need to consider its effect on your credit score. We recommend having only about 3–5 open credit cards. When you decide to close some of them, you might want to close the accounts that were most recently opened. Older accounts have more payment history and closing them usually results in lowering your credit score. However, what you choose to do with these accounts once they have been paid off is up to you.

Another item to keep in mind when you are paying off credit accounts is that credit card balances over 50 percent of the credit limit negatively affects your credit score. For this reason, you should try to keep your balances below half of your credit limit as much as possible. In addition, having accounts that are paid off will not hurt your credit.

What Is the Difference Between a Charge-Off and a Settlement?

A charge-off is a credit account that you did not pay and then the creditor wrote the account off as a loss. On the other hand, a settlement is an account that went past due, maybe even charged off, and then you negotiate a payoff amount that is less than the full balance due. Once you pay that negotiated amount in full, the account is reported as a settlement. Credit bureaus sometimes ‘generalize’ and insist that ‘settlements’ and ‘charge-off’ are the same when in reality, they are totally different from each other. This is why we stand our ground and fight for the investigation of these items and changing of incorrect information. If they cannot verify the information within 30 days, then they need to delete the item. This is one of your rights under the Fair Credit Reporting Act, and we remain steadfast in making sure that your rights are protected.

What Makes Up a Credit Score?

Credit scores are used by creditors to measure the risk factor of a consumer who is applying for a loan or credit line. The credit score was put in place to reflect the financial responsibility of a consumer, through past and present credit use. Creditors use the score to predict how a consumer will treat their potential financial obligation. As a ‘snapshot’ of your financial history, your credit report is essentially your ‘financial fingerprint’ and contains information that can be grouped into these five categories:

  • Payment History – 35% (This is what OPTIMAL CREDIT works on)
  • Amount Owed – 30%
  • Length of Credit History – 15%
  • New Credit – 10%
  • Types of Credit in Use – 10%

Who Are the Three Major Credit Reporting Agencies?

The three main credit bureaus are Equifax, Experian, and TransUnion. They gather and store information about consumer’s credit histories to help establish a consumer’s creditworthiness. The credit bureaus are private for-profit companies that sell these data to businesses that are legally permitted to see your credit report.

I’ve Tried Disputing My Accounts Before and Failed. How Can I Be Sure that OPTIMAL CREDIT Won’t Fail as Well?

Many individuals give up hope when faced with initial roadblocks in disputing information. However, at OPTIMAL CREDIT, we do things differently. Because of our dedication to our clients and our experience in working with the credit bureaus, we can facilitate the credit repair process more effectively. We can anticipate the tactics and responses of the bureaus, and we have the time as well as the professional resources required to remain vigilant and get favorable results for you. Members of our team have experience in interacting with the bureaus and creditors, which is why they have gained insight on how to efficiently and effectively dispute credit report errors. Aside from that, we stay abreast of current consumer credit laws and economic issues. Additionally, we only utilize the latest technology and proven techniques to ensure successful removal of inaccurate credit report information for our clients.


OPTIMAL CREDIT, LLC was founded in April 2017 by Erwin Hayes, a Lead Project Manager/Sr. Business System and Compliance Analysis in the banking-mortgage lending industry. Due to many requests for assistance from friends and family to help rebuild and re-establish their credit, Erwin realized that this type of service that the community was lacking was actually a huge necessity. The intention behind OPTIMAL CREDIT was to create a less stressful online environment for clients seeking a reputable credit repair firm while enjoying the experience of excellent customer service, accompanied by superior results.

OPTIMAL CREDIT, LLC, is a startup company located in Cerritos, CA, focused primarily on helping people repair, restore, and manage their credit profiles and scores. Today, we continue to grow our organization by assisting individuals throughout the entire U.S., regardless of their location.

The entire process is done online. Our programs are geared toward of helping our clients obtain the highest level of credit performance, with the least amount of effort needed from them.

We do not let anything hinder us from giving our clients the assistance they need. Through innovation and excellent customer service, we are determined to provide all of our customers with the necessary tools to achieve optimal credit.

OPTIMAL CREDIT is composed of specialists who actively hold certifications, showing that we are skilled and experienced at what we do. We understand that there are many factors that plague one’s credit, and we are determined to find a solution to relieve customers of these troubles. Throughout more than 15 years of mortgage lending and compliance experience, we pride ourselves on practicing nothing but legal and ethical methods to ensure all parties are always in the best hands.

Does OPTIMAL CREDIT Have a Refund Policy?

Just like our service, our refund policy is effective from day one and is simple and straightforward. Each month that you remain a client of OPTIMAL CREDIT, you pay a monthly fee. During any month, if we fail to provide the services that we’ve agreed upon (as outlined in the Service Agreement provided during the sign-up process), we will not bill you for that month or will refund your monthly fee if already billed. It’s as simple as that! If you are still unsure about our refund policy or have any other questions, contact us. We’ll be happy to accommodate you.

Does OPTIMAL CREDIT Disclose Personal Information?

We do not sell, transfer, share, or convey our clients’ personal information to unaffiliated companies or third parties. In fact, at OPTIMAL CREDIT, we maintain strict confidentiality in your personal information. We even implement policies for our employees when it comes to sharing personal information internally. When you work with us, you’ll only have a single point of contact, and that is your personal case manager.

Let Us Put Our Expertise to Work For You

You don’t have to try repairing your credit all by yourself. We’re always ready to help! Simply send the photocopies of necessary documents to support@optimalcredit.com or by fax, and we’ll get to work right away.

If you have more questions about credit repair, feel free to contact us. Our friendly team will gladly provide the information you may need.