Credit Main is an online platform offering specialized software tools designed to empower individuals to take control of their credit health. Our services provide users with the ability to analyze their credit reports, identify potential inaccuracies, and manage the dispute process independently with credit bureaus.

We recognize the critical role that a strong credit score plays in your financial well-being, and our goal is to equip you with educational resources and user-friendly tools to help you build a healthier credit profile. Please note, Credit Main is not a credit repair organization but a provider of general-purpose software to assist you in managing your credit.

Credit repair is the process of correcting errors, inaccuracies, or outdated information on your credit report to enhance your credit score. This can involve identifying incorrect account statuses, fraudulent activity, or personal information mistakes. By ensuring that your credit report accurately reflects your financial history, credit repair can help you gain access to better financial opportunities and lower interest rates.

You might consider credit repair if you’ve experienced a decline in your credit score, been denied credit, or discovered errors on your credit report. Signs that you may need credit repair include unexpected declines in your credit score, incorrect information on your credit report, or an inability to obtain favorable loan terms. Regularly checking your credit report can help you identify these issues early and decide if credit repair is necessary.

Credit repair involves obtaining your credit reports from the three major credit bureaus—Equifax, Experian, and TransUnion—and identifying any negative items that may be incorrect, outdated, or unverifiable. Our team disputes these items with the credit bureaus on your behalf. The bureaus then investigate and either validate or remove the disputed items if they cannot be verified. This process can lead to improvements in your credit score as inaccurate or negative items are corrected or removed.

Potentially removable items from your credit report include errors such as incorrect personal details, outdated addresses, duplicate accounts, and unverifiable negative items like late payments, charge-offs, collections, and even bankruptcies. However, it’s important to understand that only items that are inaccurate or cannot be verified by the credit bureaus can be removed. Accurate negative items within the reporting period will remain on your report.

While Credit Main handles most of the credit repair work, including disputing inaccuracies and communicating with credit bureaus, you’ll still need to provide some essential documents and monitor your credit report. Your involvement might also include submitting updated information or responding to requests from our team to ensure that the process runs smoothly and effectively.

The three major credit bureaus in the United States—Equifax, Experian, and TransUnion—collect and maintain data on your credit history. They create credit reports that detail your borrowing habits, payment history, and other financial activities. Lenders, employers, and other institutions use these reports to assess your creditworthiness. Since each bureau operates independently, your report might differ slightly from one bureau to another, making it crucial to review all three regularly.

Credit Main offers a range of pricing plans tailored to different credit repair needs. The Select Plan starts at $49 per month with a one-time startup fee of $49, covering essential credit repair tasks. For more comprehensive options, the Premier Plan starts at $99 per month with a one-time startup fee of $99, including added features like collections and accelerated dispute mailing. Our most complete option, the Elite Plan, starts at $199 per month with a one-time startup fee of $199, offering all features, including support for child support issues and bankruptcies. Each plan is designed to provide the level of service and support you require. For detailed pricing information, please visit the pricing section on our website. Visit our plans page to view the complete list of features to each plan.

At Credit Main, we typically dispute up to five items per credit bureau at a time, focusing on the most impactful inaccuracies first. This approach allows us to manage the dispute process efficiently and increases the likelihood of success by carefully tracking each dispute’s progress. While it might seem slow to address only a few items at once, this method ensures that disputes are handled with the attention they deserve, leading to more effective credit repair outcomes.

The timeframe for seeing results from credit repair varies based on the complexity of the disputes and the responsiveness of the credit bureaus. Typically, our clients start noticing initial changes within 30 days of letter delivery. Complete results generally take between 4 to 6 months, depending on the specifics of the case. While some may see quicker improvements, others might require more time, especially if multiple rounds of disputes are needed. For optimal results, Credit Main recommends maintaining continuous membership for at least 4 months, as credit repair is a process that requires persistence and patience to achieve significant improvements.

Pulling your credit report is a crucial step in the credit repair process, as it provides the foundation for identifying errors or negative items that need to be disputed. Regulations require you to provide a copy of your credit report to ensure we are working with the most accurate and up-to-date information. You also have the right to obtain your credit report for free from the three major credit bureaus. However, to streamline the process, we utilize Credit Hero Score, which makes it easier for you to provide the necessary reports quickly and efficiently.

We recommend monitoring your credit through FICO and VantageScore, the two most widely used credit scoring models in the industry. FICO scores are particularly important, as they are often used by lenders to make credit decisions. VantageScore provides a slightly different perspective, offering additional insights into your credit health. Regularly checking your score with these companies helps you stay informed about your credit status and track improvements as our credit repair efforts progress.

Yes, Credit Main allows you to pause, stop, or resume your services at any time according to your needs. You can easily manage your account status through our online dashboard, where you can adjust your plan as your financial situation changes. This flexibility ensures that you only pay for services when you need them and provides peace of mind knowing you’re in control of your credit repair journey.

You can easily pause, stop, or resume your Credit Main account by following a few simple steps. To do so, email us at [email protected] with the subject line “Pause/Stop/Resume Account” and a brief statement detailing your request. You can also get in touch with one of our customer service representatives via the chat window or by calling the phone number located in the upper left-hand corner of your client portal. Pausing your account will temporarily halt our services, but your account will remain active, allowing you to resume whenever you’re ready. Stopping your account will end our ongoing credit repair efforts, but you can restart the process at any time. This flexibility ensures you can manage your credit repair journey according to your personal and financial needs, without being locked into long-term commitments.

No, there are no fees for stopping service with Credit Main. However, any outstanding charges for services already provided must be settled before your account can be officially closed. We believe in transparent billing practices, so you won’t encounter unexpected fees or penalties when you decide to pause or stop your services.

Credit Main proudly serves clients in 49 of the 50 states in the United States, with the exception of California. Our team is equipped to assist clients nationwide with tools and resources to address credit challenges. We understand the importance of improving credit health and are committed to delivering top-quality service wherever our services are available.

To start the credit repair process with Credit Main, you’ll need to provide a few essential documents, including a government-issued ID (such as a driver’s license or passport), proof of address (like a utility bill or bank statement), and a recent copy of your credit report from all three major credit bureaus. These documents help us verify your identity and ensure that we’re disputing the correct items on your credit report.

If you’re not satisfied with our services, you can exercise our 90-day money-back guarantee by contacting our customer service team within 90 days of your initial enrollment. We’ll review your case, and if eligible, we’ll process a full refund for the services provided. This guarantee reflects our commitment to delivering results and ensuring that every client feels confident in the value of our services.

Credit Main offers two specific upgrades designed to enhance your credit repair experience. The First Class Mail Service upgrade, which costs an additional $49 per month, ensures faster dispute processing with delivery in 4-6 days. While the Certified Mail Service upgrade, which is available for an additional $99 per month, offers even quicker delivery in 3-4 days. These optional upgrades can be selected at checkout, allowing you to customize your credit repair process for faster and more efficient results.

Upgrades are not required for every client, but they can be beneficial depending on your specific credit repair needs. For example, if you have a large number of disputes or if you’re looking to see results more quickly, opting for an upgrade like the First Class Mail Service or the Certified Mail Service could help accelerate the process. However, our basic plans are fully capable of delivering substantial credit improvements on their own, so
you can achieve your goals without the need for additional upgrades.

The Credit Main Affiliate Program allows you to earn commissions by referring new clients to our credit repair services. After signing up, you’ll receive an invite to set up your affiliate portal. From there, you can input your referrals’ names, email addresses, and phone numbers. When someone you referred signs up and maintains their membership for two consecutive months, you earn a $25 commission. You can easily track your referrals and earnings through your affiliate dashboard, and commissions are paid out on a monthly basis.