CREDIT REPAIR JUST GOT A WHOLE LOT MORE AFFORDABLE.

Introducing The Credit Laboratory FREE Credit Program™

You shouldn't have to choose between working on your credit and paying another expensive monthly bill.

That's why The Credit Laboratory now offers professional credit repair services for:

$0 ENROLLMENT

$0 MONTHLY CREDIT REPAIR FEE

The only requirement is active credit monitoring through our designated provider for $39.99/month. Credit monitoring is provided and billed by a separate third-party provider. Active monitoring is required to participate in the FREE Credit Program.

Your monitoring gives our team access to the updated credit information needed to review your progress and continue working on your file.

THIS PROGRAM DOES NOT INCLUDE PHONE SUPPORT. WE WILL STRICTLY BE DISPUTING. IF YOU NEED ADDITIONAL SUPPORT YOU CAN SCHEDULE A 15-MINUTE CREDIT FILE REVIEW FOR $25. YOU CAN ALSO TIP US IF YOU ARE SATISIFIED WITH YOUR PROGRESS. TIPS ARE NOT REQUIRED BUT APPRECIATED.

START ENROLLMENT

YES, THE CREDIT REPAIR IS REALLY FREE.

Your FREE Credit Program includes:

✓ Credit Report Review
✓ Credit Repair Services
✓ Disputes & Correspondence as Appropriate
✓ Ongoing Progress Monitoring
✓ Progress Updates
✓ Client Portal Access
✓ General Credit Education
✓ Team-Based Support

FREE PROGRAM DOES NOT INCLUDE CREDIT COACHING.

WANT MORE THAN CREDIT REPAIR?

Work One-on-One With Jennifer

The FREE Credit Program is perfect for clients who want our team to handle their credit repair while they follow their progress through the client portal. But maybe you want more.

Maybe you want someone to hold your hand through the process, help you understand what you're seeing, develop a personalized strategy, and work with you toward your specific financial goals.

You can still work directly with Jennifer Campbell, Founder & CEO of The Credit Laboratory, through our premium one-on-one services.

Credit repair can be FREE. Personalized access, strategy and one-on-one coaching are premium services.

AVAILABLE PROGRAMS

The FREE Credit Program is perfect for clients who want our team to handle their credit repair while they follow their progress through the client portal. But maybe you want more.

Maybe you want someone to hold your hand through the process, help you understand what you're seeing, develop a personalized strategy, and work with you toward your specific financial goals.

You can still work directly with Jennifer Campbell, Founder & CEO of The Credit Laboratory, through our premium one-on-one services.

Credit repair can be FREE. Personalized access, strategy and one-on-one coaching are premium services.

Frequently Asked Questions

We understand you may have questions...

Question 1: Is credit repair legal?

Yes! Credit repair is 100% legal under the Credit Repair Organizations Act (CROA). Consumers have the right to dispute inaccurate, incomplete, or unverifiable information on their credit reports under the Fair Credit Reporting Act (FCRA).

Question 2: How long does it take?

The time it takes to improve your credit depends on the number and complexity of negative items on your report. Some clients see results in 30-45 days, but full credit restoration can take 3-6 months or longer.

Question 3: Can credit repair remove collections and late payments?

Yes, if the negative items are inaccurate, outdated, or unverifiable, they can be removed through legal disputes. However, valid debts cannot be erased—instead, we help negotiate settlements and strategies to rebuild your credit.

Question 4: How much does credit repair cost?

Our credit repair services vary based on your needs. We offer affordable, transparent pricing with no hidden fees.

Question 5: Can I repair my credit myself?

Yes, you have the legal right to dispute errors on your credit report. However, many people prefer professional help because credit repair requires time, legal knowledge, and strategic disputes for the best results.

Question 6: Will credit repair help me get a loan or credit card?

Improving your credit score can increase your chances of getting approved for loans, credit cards, and even lower interest rates. We help you remove inaccurate negative marks and educate you on how to build strong credit for future approvals.

Question 7: What is the difference between credit repair and credit counseling?

Credit repair focuses on removing inaccurate items and improving your credit score. Credit counseling helps manage debt through budgeting and repayment plans. Both can be beneficial depending on your financial situation.

Question 8: Can credit repair help with identity theft?

Yes! If you’ve been a victim of identity theft, we can help you remove fraudulent accounts, dispute unauthorized charges, and work with credit bureaus to restore your credit profile.

Question 9: Will my credit score drop if I dispute something?

No, disputing an error on your credit report does not hurt your score. In fact, removing inaccurate negative items can improve your credit over time.

Question 10: How can I start the credit repair process?

Getting started is easy! Schedule a consultation to connect with our team, and we’ll review your credit report, identify problem areas, and create a personalized plan to help you achieve your financial goals.😊