FAQ
Got Questions?
We've Got Answers.
Still on the fence?
We get it. The credit repair space has a lot of scammers who make big promises and disappear. That's not how we operate. We show you every letter we send, every response we get, and every deletion we earn. No surprises.
Talk to a Specialist →Why don't you charge upfront like other companies? +
Because it's against the law. The Credit Repair Organizations Act (CROA) prohibits credit repair companies from collecting payment before services are fully performed. We built our entire business model around compliance. You pay for the Credit Audit only after it's been delivered to you. Monthly services are billed in arrears - meaning after each month of work, not before.
What's the difference between the free analysis and the Credit Audit? +
The free credit analysis is a verbal consultation - we pull your reports, walk through every negative item, and give you an honest assessment of what we can target. No cost, no obligation. The Credit Audit is a formal written deliverable you receive after signing your service agreement. It includes a detailed strategy document covering every disputable item, the legal basis for each dispute, and a prioritized execution plan. The Credit Audit is Phase 1 and is billed as a $119 one-time fee after delivery.
Can I cancel after signing up? +
Yes. Federal law gives you a full 3-business-day cancellation window after signing your service agreement. During that window, no work begins and you owe nothing. After the cancellation window, you can still cancel your monthly service at any time with no penalties or cancellation fees. We don't do contracts.
When exactly do I get charged? +
Phase 1 (Credit Audit) is billed after the plan is delivered to you - never before. Phase 2 (monthly dispute service) is billed in arrears, meaning at the end of each month of service. You always see the work before you pay for it. This is how CROA-compliant billing works.
How long does credit repair take? +
Most clients start seeing removals within the first 30 to 45 days. A full file cleanup typically takes 3 to 6 months depending on how many negative items you have and what type they are. We set realistic timelines upfront and we don't make false promises.
Can you guarantee removals? +
No reputable company can legally guarantee specific results, and we won't lie to you. What we can tell you is that we use proven FCRA-based dispute strategies, we dispute across all three bureaus simultaneously, and we don't stop until your file is clean. We let the work speak for itself.
Do you work with couples? +
Yes. Each spouse signs up under our single Standard Plan ($119 startup + $119/month) and we work both files in parallel. Each person needs their own Credit Hero Score subscription. See the Pricing page for full details.
Do you serve clients outside Texas? +
No. BSG Credit Solutions is a Texas-registered Credit Services Organization under Texas Finance Code Chapter 393, and we only take Texas residents. If you live outside Texas, we'd recommend finding a credit repair company licensed in your state.
Is credit repair legal? +
100%. The Fair Credit Reporting Act (FCRA) gives you the legal right to dispute inaccurate, unverifiable, or outdated information on your credit report. We exercise those rights on your behalf, all by the book. BSG Credit Solutions operates in full compliance with both CROA and FCRA.
Can I do this myself? +
You can. The FCRA gives you the right to dispute on your own at no cost. Most people find the process time-consuming and frustrating though, especially when bureaus stall or verify without actually investigating. We know the escalation paths, the language, and how to apply real pressure. That said, we always respect your right to handle disputes yourself.