The vast majority of credit repair companies operate like a conveyer belt, charging an endless flat fee month after month while sending out generic dispute letters. Green River Credit provides premium customer support and custom tailored solutions designed to meet the individual needs and goals of each new client in the shortest time possible – whereas other credit repair companies are motivated to keep their clients always needing more, which allows them to continue charging their endless monthly fees.

With Green River Credit you can always reach your Credit Manager directly by phone or email to check on status, report an update or change in circumstances, or simply ask a question. We’re also the only credit repair specialists that offer an unconditional 100% satisfaction money-back guarantee to all of our clients. Because of the Credit Repair Organization Act no credit repair company is ever allowed to charge a penny before work is completed. Our contracts are custom tailored to meet your specific credit needs and goals, tied to specific dates and milestones. If you’re not completely satisfied with any of the results we deliver then you’re 100% free to cancel you contract without having to pay another penny, it’s as simple as that.

We take our satisfaction guarantee a step further by allowing all of our clients to also request a full and unconditional refund of any additional fees they’ve paid within the past 60 days, which we back up in writing in every client contract. We pride ourselves on managing your expectations and over delivering on results, so it’s very rare for our clients to request a refund, but we pride ourselves on our work and much as we pride ourselves on customer satisfaction.

Our competitors are motivated by their monthly free structure to extend your credit repair for as long as possible, and don’t offer a comparable satisfaction / money-back guarantee, whereas our contracts are designed to deliver results in the shortest time possible.

Every individual’s credit repair / score boost needs are unique, and the total cost typically varies from $100 to $1,000, depending on the amount of work involved and if there’s added need to expedite results. As opposed to charging a monthly fee, like most credit repair companies, we create a customized credit repair / score boost plan that typically takes 3 months to achieve full results – although we are able to expedite results in most cases for those individuals who have time sensitive needs and goals. Small repairs typically cost in the range of $100 to $250, medium repairs typically cost in the range of $250 to $500, and large repairs typically cost in the range of $500 to $1,000.

After your initial credit review and analysis – which is always 100% free and without any obligation – if you choose to proceed we create a custom credit repair / score boost plan, which is based upon your individual needs and goals, that is used to prepare a contract agreement with specific dates and milestones for results. If you approve the contract agreement – and only if you approve the contract agreement – then we charge a small fee for the work we completed to create your custom credit repair / score boost plan, which typically ranges anywhere from $50 to $100, then we immediately get to work.

While some cases warrant and qualify for expedited credit repair methods, creditors are afforded specific rights in the Fair Credit Reporting Act, which means we typically see results in 30 day increments, which will be listed as milestones within your custom credit repair / score boost plan and contract. If you’re happy with the results after each milestone – and only if you’re happy with the results – then you would pay for the work we’ve completed.  If not, you’re 100% free to cancel your contract without paying another penny, and with our 100% satisfaction guarantee we also offer an unconditional refund any prior payment that you’ve made within the past 60 days, no questions asked.

Same as with the cost, every individual’s credit repair / score boost needs are unique, and the average time to achieve the desired results typically varies from 1 to 3 months, depending on the amount of work that needs to be completed. Smaller cases typically require less time than larger cases, and there are methods available to expedite the process under certain circumstances when the information being reported by a credit furnisher is disputed by the consumer. 

In cases where the disputed information can be supported by documentation it is often possible to expedite results in as little as 1 to 6 weeks, although such methods can sometimes require the additional need to file a Fraud Report, small claims case, or civil motion for injunctive relief – in combination with the traditional dispute methods to ensure the results are permanent.  Our credit experts will always provide every option that’s available to you, allowing you to decide how you prefer to proceed, but we typically advise clients to expect the average repair to take anywhere from 1 to 3 months.   

Let us know if you have a time sensitive financial situation that requires an expedited update to your credit report & score. Our experts will provide you with a custom plan that lists all available options for you to achieve your unique credit related goals in the shortest time possible. 

This is one of many reasons why it’s always better to utilize a reputable and professional credit repair company like Green River Credit, because most consumers are unaware that the credit bureaus often suppress certain information consumers can see on their own individual credit reports. This same information, however, is NOT suppressed when it’s viewed by lenders and prospective employers who pull and view your credit reports directly when you apply for a mortgage or auto loan, to rent an apartment, or apply for a new job.

To view the “unsuppressed” version of your credit reports FOR FREE, we always recommend that clients pull their Experian, Equifax & TransUnion credit reports directly from AnnualCreditReport.com, which was established by the Federal Government for you to view the complete and unsuppressed versions of your credit reports, for free – without any ding or harm to your credit score – which every consumer can pull themselves once per week without any limit.

For example, we frequently see this disparity arise with parents who paying support, when the credit reports they pull directly from the Experian, Equifax & TransUnion all show that they have paid child support on-time each and every month. However, after we have them pull their same Experian, Equifax & TransUnion credit reports from AnnualCreditReport.com, for the exact same month, they often notice the Department of Child Support Services has reported the wrong amounts in their 24 month payment history, which the credit bureaus (especially Experian) suppress from the same individual reports that they provide directly to consumers.

This is why we always instruct all of our clients to exclusively pull all of their credit reports from AnnualCreditReport.com, and for similar reasons we always instruct all of our clients to pull their credit scores from myFICO.com – which is not free, but displays the same credit scores that lenders see and use when evaluating mortgage and credit applications.

Absolutely.

Instead of the FICO credit score that lenders see and use when they complete your credit evaluation, each of the credit bureaus have developed their own proprietary credit scoring model to avoid having to pay FICO to license their scoring model – which is something that’s not well known or reported outside of the credit industry. This is another reason to utilize a reputable and professional credit repair company like Green River Credit, since details like knowing which credit scores actually matter to lenders can make a significant different when it comes to financing.

When our client’s goal is to buy a house, finance a car, obtain a loan, or use their credit for any other purpose where the credit score is used to determine their interest rate, we always recommend they pull their Experian, Equifax & TransUnion credit score from myFICO.com – which is the same scoring model used by most lenders to evaluate risk and determine interest rates.

No. We never pull copies of your credit reports, and there are many practical and legal reasons why we do not pull copies of your credit reports. First and foremost, current copies of your Experian, Equifax & TransUnion credit reports are all we need to remove / repair any negative information & boost your credit scores. Accordingly, we never request your social security number, and without your social security number nobody is able to pull copies of your credit reports.

Soft and hard credit inquiries are both listed on your credit reports for 24 months – whereas your own personal requests for copies of your own credit reports are never displayed on your credit reports, and they have no impact on your credit scores. This issue is most significant with clients we assist with debt consolidation, as some companies in the industry do pull their client’s credit reports on a monthly basis, and even though it’s considered a “soft inquiry” they all still appear and remain on their client’s credit reports for 24 months.

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