Frequently Asked Questions

Credit Repair is a one-time flat fee — $500 for Standard (score 580+, fewer than 10 negative items) or $750 for Intensive (score below 580, heavy damage, judgments, repossessions). There is no setup fee and no monthly billing. You pay once and we work until the job is done. See our full pricing page →

The Full Package total is $12,500, broken into three distinct phases:

• $1,000 upfront — covers LLC formation (state filing fee included) and business structuring work
• $250/month for up to 6 months — covers active credit repair management. Maximum total: $1,500 across the entire program
• 10% success fee — paid proportionally as you receive funding. On a $100K program that's $10,000 total, but you pay it draw by draw — receive $30K, pay $3K. You never pay the full success fee before you have the funds in hand.

Most credit repair companies charge $79–$140 per month with no defined end — clients often pay $800–$1,400+ before seeing full results. TGL charges one flat fee. You know the total before we start, and when the work is done, the billing is done. No ongoing subscription, no wondering when it ends. See the full competitor comparison →

We accept all major credit and debit cards, as well as bank transfers. Payment is collected at the time of signing your service agreement. Contact us at 1-844-694-0606 or info@tglcreditrepair.com to discuss payment options.

Once you sign your service agreement and payment is collected, we get to work immediately:

1. We pull and audit your full credit reports from all 3 bureaus
2. We identify every negative item that is inaccurate, outdated, or unverifiable
3. We prepare and submit your first round of professional dispute letters
4. We keep you updated as bureaus respond and items are removed

You'll hear from us regularly throughout the process — no disappearing acts.

We send dispute letters every 24 days — which is the optimal cadence for bureau response cycles. Each round targets the remaining negative items after reviewing what the bureaus responded to from the previous round. Multiple rounds are included in your flat fee at no additional charge.

We dispute any item that is inaccurate, outdated, or unverifiable under the Fair Credit Reporting Act (FCRA), including:

• Late payments • Collections & charge-offs • Repossessions • Hard inquiries (unauthorized or excessive) • Judgments • Medical debt • Bankruptcies

Important: We can only remove items that are inaccurate or cannot be verified. Accurate, verified items cannot be removed — any company promising otherwise is not being honest with you.

Very little — that's the point. Your main responsibilities are:

• Keep your credit monitoring subscription active (so we can see real-time updates)
• Forward any mail or correspondence you receive from the credit bureaus to us promptly
• Avoid applying for new credit independently during the process without checking with us first, as additional inquiries can affect your score and strategy

Most clients see meaningful results — items removed and score improvements — within 30 to 90 days of the first dispute round. The exact timeline depends on how many items are being disputed and how quickly the credit bureaus respond (they are legally required to respond within 30 days). We continue working through multiple rounds until all disputable items are resolved.

We cannot guarantee the removal of any specific item — no legitimate credit repair company can. Results depend on whether the bureaus can verify the disputed information. What we do guarantee:

✔ We dispute every disputable item aggressively and thoroughly
✔ We conduct multiple dispute rounds at no extra charge
✔ You receive full transparency — we show you what we're doing and why
✔ Everything is in a signed contract before we start

Our track record: 500+ clients helped with an average of 150+ points added.

For Credit Repair Only clients — there is no time limit. We continue working through dispute rounds until all items are resolved, all within your flat fee. Bureau delays are common and expected — we account for them.

For Full Package clients — the monthly fee is $250/month, capped at 6 months — $1,500 total maximum across the full program. If it extends beyond that due to bureau delays, we continue at no additional charge.

Absolutely. The Fair Credit Reporting Act (FCRA) gives every American the legal right to dispute inaccurate, outdated, or unverifiable information on their credit report. TGL uses these federal consumer protection laws to advocate on your behalf — we do nothing that you couldn't do yourself; we simply do it professionally, persistently, and correctly.

Two major federal laws protect you:

FCRA (Fair Credit Reporting Act) — gives you the right to dispute inaccurate information with the credit bureaus at any time, for free.

CROA (Credit Repair Organizations Act) — specifically governs credit repair companies. Under CROA, TGL must: provide you a written contract before starting, allow you to cancel within 3 business days at no cost, never charge before performing services, and never make false or misleading claims.

Under CROA, you have the right to cancel your service agreement within 3 business days of signing, for any reason, with no penalty. To cancel, send written notice to info@tglcreditrepair.com. Any payment made will be returned within 10 business days. After the 3-day period, the service fee is non-refundable as services will have been performed.

Yes — always. Every client signs a service agreement before any work begins. The agreement clearly states the total fee, payment schedule, scope of services, timeline expectations, and your cancellation rights. You know exactly what you owe, when, and what triggers each payment. No surprises, ever.

The $1,000 covers LLC formation (including the state filing fee) plus TGL's setup and structuring work — configuring your business entity correctly so that banks and lenders see it as a legitimate, creditworthy business. The ongoing vendor costs (business address, phone line, domain, and email) are paid separately and directly by you to those providers, typically $30–$60/month combined.

The success fee is paid proportionally as you receive funding — you always get the money first. For example, if you receive a $30,000 draw, $3,000 is due to TGL within 5 business days. If you receive a $20,000 draw, $2,000 is due. You never pay the full success fee before you have the funds in hand.

No — you submit all applications directly. TGL's role is to structure everything correctly and give you a precise roadmap: which lenders to approach, in what order, and exactly when to apply based on your credit profile and LLC setup. You go in knowing you're positioned for maximum approval — we don't apply on your behalf.

The typical Full Package timeline is 4–6 months from signing to receiving your first funding draws. The first 1–2 months focus on LLC structuring and beginning credit repair. Months 2–5 focus on getting your personal score to 720+. Once you hit that threshold, you begin applying for business credit lines and funding typically starts arriving within weeks of approval.

Credit monitoring gives us real-time access to your Equifax, Experian, and TransUnion reports throughout the repair process. Without it, we can't see when disputed items have been removed, track your score progress, spot new items to dispute, or know when your score hits the threshold needed for business credit guarantees. It's essential — not optional.

The monitoring subscription is through our partner portal — $1 for the first 7 days, then $29.95/month. This is paid directly by you and is separate from TGL's service fees. You can start your trial at: app.myfreescorenow.com/enroll/B01B5628. Keep the subscription active for the full duration of your program.

Book a free consultation — no commitment required:

1. Fill out the consultation form or call 1-844-694-0606
2. We review your situation and call you within 24 hours
3. We discuss your options honestly — no pressure
4. If it's a fit, you sign and we start immediately

The consultation is always free. You don't owe anything until you decide to move forward.

Just your contact information. We'll guide you through pulling your credit reports during the consultation — it takes about 10 minutes and does not affect your credit score (it's a soft pull). If you already have access to your reports through a monitoring service, having those handy is a plus but not required.

Credit Repair Only is the right fit if your goal is personal — buying a home, qualifying for a car loan, lowering your interest rates, or simply improving your score.

The Full Package is right if you want to build a business, access capital, and use your improved personal credit to personally guarantee business credit lines. It includes credit repair as part of the program.

Not sure? That's exactly what the free consultation is for. We'll assess your situation and tell you which fits — honestly. Book yours here →