Our customers pay for two things: The service and their credit reports.
The credit monitoring system we use to get your credit reports, charge a $1 (7 day) trial, then $19.99/month. We can’t see your credit without this!
Our service is FREE to start, then every 30 days for the following: $100/month for an individual or $150/month for couple’s.
Our clients cover two separate costs:
To begin, you’ll need to enroll in our credit monitoring system so we can access your
reports.
Credit Repair Service
Most of our clients typically remain enrolled for 4 to 10 months, though the exact duration depends on the complexity of everyone’s credit profile.
Credit repair is not a one-time fix—it’s a strategic, ongoing process. Since credit reports update monthly and credit bureaus can request additional documentation at any time, progress may require multiple rounds of dispute and follow-up.
Additionally, it takes 30 to 45 days for the credit bureaus to review and respond to each submission. Because of this, our service operates on a month-to-month basis, designed to adapt to the evolving nature of your credit.
Think of credit repair as a long-term investment in your financial health. With consistency and time, meaningful results follow.
Absolutely. You have the right to cancel at any time, even immediately after enrolling.
Our service is 100% contract-free, with no cancellation fees or penalties. You’re in full control and can stop your enrollment whenever you choose—no questions asked.
The Fair Credit Reporting Act (FCRA) is a federal law that gives you the legal right to dispute any inaccurate, outdated, or unverifiable information on your credit report.
Under the FCRA, credit bureaus are legally required to investigate any disputes you file. If the information cannot be verified or is found to be in violation of the FCRA, it must be corrected or removed from your credit report. You can learn more about your rights under the FCRA by reviewing the official summary provided by the Consumer Financial Protection Bureau: https://files.consumerfinance.gov/f/documents/bcfp_consumer-rights-summary_2018-09.pdf
The Fair Debt Collection Practices Act (FDCPA) is a federal law that protects consumers from abusive, unfair, or deceptive practices by debt collection agencies.
Debt collectors must follow strict rules when contacting you or reporting debts to the credit bureaus. If a collection agency violates these rules, it may result in their report being disputed and potentially removed from your credit report.
This law is designed to ensure that your rights are protected and that only accurate and lawfully reported debts appear on your credit file.
For more details, you can read the full text of the FDCPA here: https://www.ftc.gov/legal-library/browse/rules/fair- debt-collection-practices-act-text
At IAAF Financial Group credit repair / credit building services we empower consumers to take control of their financial futures by transforming positive credit profiles. Our expert team specializes in identifying and disputing inaccurate, misleading, or outdated information that unfairly damages your credit score.
We don’t just provide credit repair / credit building services, we provide the knowledge and tools necessary to build lasting financial strength, including tailored guidance for those with limited or no credit history.
Through proven strategies and personalized support, we help you establish a solid credit foundation that opens doors to better opportunities.
IAAF Financial Group, credit repair / credit building services, is your trusted partner in navigating the complexities of credit, committed to delivering measurable results and elevating your financial confidence.
It depends on your current credit situation:
In some cases, you may need both—repairing negative items while also building positive credit to improve your overall score and financial standing.
Credit repair involves a systematic review and challenge of negative entries on your credit report that are adversely impacting your credit score. These derogatory items may be removed or corrected if they are found to be:
Our process leverages these consumer protections to ensure that only accurate and compliant information remains in your credit file. As a result, many clients experience significant improvements in their credit scores when erroneous or unlawful negative entries are successfully eliminated.
IAAF Financial Group Credit Repair strictly adheres to all provisions outlined in the Credit Repair Organizations Act (CROA) to ensure ethical and transparent service.
We do not require upfront fees, never make false or misleading promises, and empower our clients with the freedom to cancel services at any time without penalty.
Our dispute process is grounded in fairness and legality: An item will only be removed from your credit report if it is in accurate, incomplete, unverifiable, or if the credit bureau fails to respond to our dispute.
We do not offer or endorse any “instant credit fixes” or deceptive shortcuts. Our commitment is to honest, compliant credit repair—any service or claim promising otherwise is neither aligned with our values nor legal standards.
For more information, please refer to the official CROA guidelines here: https://www.ftc.gov/legal-library/browse/statutes/credit-repair-organizations-act
Credit Karma and the Experian app do not provide comprehensive data from all three major credit bureaus (Equifax, Experian, and TransUnion) to our system. As a result, we are unable to utilize these platforms for credit monitoring within our services.
While we understand the convenience of free credit apps, they unfortunately do not meet the requirements needed for our credit repair process.
For cost-effectiveness and reliability, we recommend Credit Hero Score, as it tends to offer competitive pricing without compromising on service quality.
While IAAF Financial Group Credit Repair is not a telemarketing company, we fully comply with the regulations set forth in the Telemarketing Sales Rule (TSR).
We do not engage in unsolicited cold calls or telephone marketing. Our communication with clients occurs only after they have voluntarily enrolled and signed an agreement authorizing us to access their credit reports and discuss their credit situation.
This ensures all interactions are consensual, transparent, and respectful of your privacy.
For more information, please visit the official TSR guidelines here: https://www.ecfr.gov/current/title-16/chapter- I/subchapter-C/part-310/section-310.3
If you have been a victim of identity theft, we strongly advise you to immediately contact your creditors and follow their prescribed procedures to address and remove any fraudulent or inaccurate information from your credit reports.
Please note that IAAF Financial Group – Credit Repair does not handle active identity theft cases. We avoid involvement in these situations to prevent any potential legal complications.
For identity theft assistance, consider contacting the Federal Trade Commission (FTC) or other dedicated identity theft resources to ensure proper resolution.
The enrollment process is fast and efficient, typically completed within minutes. To proceed, you will be required to submit:
Additionally, the payment method on file must be a legitimate credit or debit card issued by a recognized financial institution. Please be aware that prepaid cards or alternative payment methods, including Cash App or Chime cards, are not supported by our billing system.
These requirements are in place to ensure secure and uninterrupted service delivery.
We ensure you stay fully informed every step of the way through comprehensive and transparent communication:
This structured update process guarantees you will remain in control and aware throughout your credit repair journey.
At IAAF Financial Group Credit Repair, integrity and transparency are the cornerstones of our service. We strictly comply with all applicable laws and regulations, maintaining a professional and respectful relationship with every client.
We pride ourselves on delivering clear, immediate answers to your questions—no phone calls or lengthy forms required. Our commitment to consumer education before enrollment ensures you fully understand the process, eliminating confusion or surprises down the road.
Our pricing structure is fair and straightforward, and we maintain open lines of communication so you can easily reach us with any questions or concerns.
This dedication to transparency and client satisfaction has earned us numerous positive reviews across social media platforms and Google.
Please remember, negative credit items are not our making; our role is to assist you in improving your credit profile. Should any concerns arise, we are committed to addressing them professionally and will discontinue services respectfully, if necessary, always without hard feelings.
Before choosing any credit repair service, ensure they fully disclose your legal rights and operate within the boundaries of the law.
If you fail to repay a loan or credit card balance, the creditor may pursue legal action against you to recover the debt. By signing the original agreement, you acknowledged your obligation to repay the amount owed.
In the event you are sued or subject to wage garnishment, please understand that IAAF Financial Group Credit Repair does not provide legal representation or intervene in such matters. It is your responsibility to consult with an attorney or directly communicate with your creditor to negotiate a resolution or payment plan.
Please note that debt collection and credit reporting are distinct processes, and legal actions regarding debt are outside the scope of credit repair services.
For instance, settling a delinquent debt does not automatically erase the account from your credit report. Conversely, if an account is removed from your credit file, the underlying debt may remain outstanding. While credit reports and debts are related, they function independently and are managed separately.
Consumers typically seek credit repair services to address negative items that are damaging their credit scores. At IAAF Financial Group, we accept all credit situations and work diligently to challenge and correct those negative accounts when legally justified.
We focus on disputing and removing items that meet any of the following conditions:
Common negative items we work on include:
While many consumers see improvements and removals when these conditions are met, it’s important to understand that not all items are guaranteed to be removed. If we determine that an account cannot be successfully disputed or corrected, we will inform you and provide full transparency on the outcome.
Our goal is to advocate for your rights under federal law and help restore accuracy to your credit profile through a compliant, results-driven process.
While it’s possible to dispute items on your credit report yourself, the difference lies in expertise, strategy, and time.
Just like many services in daily life, whether it’s hiring a mechanic, a tax preparer, or a chef, we often pay professionals not because we can’t do the job ourselves, but because we want it done correctly, efficiently, and with better results.
Credit repair is no different, it’s a specialized service. If you don’t have the time to consistently manage disputes or the knowledge to interpret credit laws and report errors, working with a reputable credit repair company can significantly increase your chances of success.
When you dispute online directly through credit bureaus, it often limits your claim to a basic statement like “this account doesn’t belong to me.” This method rarely addresses the deeper legal grounds for removal, and in some cases, once you dispute online, you may not be able to challenge that item again—even if your case changes.
Professional credit repair services are trained to:
While online disputing may be free, it’s often ineffective. Hiring a skilled credit repair team gives you a strategic edge backed by experience, legal knowledge, and consistent follow- through.
This is a common concern we hear from new clients. In most cases, when a deleted item reappears, it’s not because the same account was reinstated, but rather because the debt was sold to a new collection agency that is now attempting to report it under their name.
While it may seem like the account “came back,” it is often a duplicate entry of the same debt by a different collector. If the item was previously deemed unverified or inaccurate, we can challenge the new entry on similar grounds. Credit bureaus are required to avoid duplicate or previously disputed reporting, especially if it lacks new or verifiable information.
This kind of re-reporting is unfortunately common in the debt collection industry, but it does not mean the credit repair process failed simply means further action is needed, and we are fully prepared to handle it.