Get answers to common questions about credit repair services, costs, timelines, and our process
Credit repair typically takes 3-6 months depending on the complexity of your case. Simple items like late payments may be removed in 30-45 days, while more complex items like collections or charge-offs can take 3-4 months. Bankruptcies may take 4-6 months.
At Rick Jefferson Solutions, our average client sees measurable results within 90 days, with an average 120-point credit score increase.
Credit repair costs range from $99-$199 per month depending on your plan and the number of negative items on your credit report.
Rick Jefferson Solutions Pricing:
All plans include a 90-day money-back guarantee, no upfront fees, and TSR/CROA compliance.
View Full Pricing DetailsNo credit repair company can legally guarantee specific results or credit score increases - that would violate CROA regulations.
However, Rick Jefferson Solutions maintains a 95% success rate in removing at least one negative item from client credit reports, and our clients see an average 120-point credit score increase within 6 months.
We offer a 90-day money-back guarantee if we don't remove at least one negative item from your credit report.
We can dispute and potentially remove:
Important: We cannot remove accurate, verifiable information from your credit report - that would be illegal under FCRA regulations.
You have the legal right to dispute credit report errors yourself for free by contacting the credit bureaus directly.
Professional credit repair services provide:
DIY credit repair works for simple errors, but complex cases benefit from professional expertise.
Yes, credit repair is completely legal when done in compliance with federal regulations.
Credit repair services are regulated by the Credit Repair Organizations Act (CROA) and must follow Telemarketing Sales Rule (TSR) guidelines.
Rick Jefferson Solutions is fully TSR and CROA compliant:
Getting started is simple:
The entire onboarding process takes 15-30 minutes.
Schedule Free ConsultationRick Jefferson Solutions maintains a 95% success rate, meaning 95% of our clients have at least one negative item successfully removed from their credit reports.
Our Track Record:
Results vary by individual case complexity.
Yes, Rick Jefferson Solutions disputes negative items with all three major credit bureaus:
We also work directly with creditors and debt collectors when necessary. Our comprehensive approach ensures that inaccurate items are removed from all three credit reports, maximizing your credit score improvement across all scoring models.
Rick Jefferson Solutions is based in Frisco, Texas and serves clients throughout the Dallas-Fort Worth metroplex including:
We also provide credit repair services nationwide to clients across all 50 states. All services can be completed remotely via phone, email, and our online client portal.
Under CROA regulations, you have the legal right to cancel any credit repair contract within 3 business days of signing, for any reason, with no penalty or fees.
This is your federally protected consumer right. At Rick Jefferson Solutions, we make cancellation simple - just contact us within 3 days and we'll process your cancellation immediately with a full refund of any fees paid.
No. Under CROA regulations, credit repair companies cannot charge fees until services are fully performed.
Rick Jefferson Solutions is fully compliant - you only pay after we've completed work on your credit file for that month. This protects consumers from paying for services they never receive.
Our monthly fees are charged after disputes are sent to bureaus and creditors.
Schedule your free consultation today and get a custom credit repair action plan.