How does credit defrag work?     [Back to top]
                
Credit Defrag works very much like running defragmentation on your computer hardrive.Instead we defragment your credit report. Our proprietary software puts all the information in the correct places.
Due to trade secrets and intellectual property, we cannot reveal any more information.
*This is not credit repair,we are not a credit repair agency

CREDIT DEFRAG was created by a mortgage banker with 18 years finance and credit repair experience

How many points will my credit score go up?    [Back to top]

On average about 28 points, with some increases as high as 86 points. We have a 98% success rate and remember we offer a money back guarantee.

Does this service update all 3 of my credit scores?   

Yes, our program is input directly to the 3 major credit bureaus.   

How long does it take to update my credit scores?    [Back to top]

The credit bureau's take about 10 business days to update.  We process orders the same day we receive them.

I've already done credit repair or I am currently doing credit repair.Will credit defrag help?

Yes, credit defrag will help and does not affect your credit repair.  We
strongly recommend doing credit defrag in addition to credit repair.

What type of credit does credit defrag work with?    [Back to top]

All types.  We make low scores higher and good scores stellar.  It
doesn't matter if you've had bankruptcies, foreclosure or late payments.

Is credit defrag just a quick fix, i.e., 30 days later my score goes back down?

No.  This is not temporary.  We recommend using credit defrag every 1 year.

I want to use your service for my clients (I am a mortgage broker, credit repair co. accountant) Do you contact my clients?

No.  We will never contact your clients.  Your information and your clients information is fully secure.  Our privacy policy and moral standard clearly state we do not sell, rent, share or trade any information you submit.

Do I need a pay pal account to purchase this service?    [Back to top]

No.  We use pay pal because they are one of the most trusted credit card processing companies in the world.  You just enter your order as you would with any online transaction.

Can credit defrag make my credit score's go down?        [Back to top]

No.  Your credit score will never drop by using this service.

You charge $40.00.  Is this for each credit bureau?     [Back to top]

No.  This is an all in one price.  We submit your information to all 3
major credit bureaus.

I am a mortgage professional and could use this for all of my clients. Do you offer discounts for volume?

Not at this time

If my credit scores didn't go up, how do I get a refund?     [Back to top]

Simply email us at refunds@creditdefrag.com.  We process refunds within 24-48 hours.

Is my credit card information safe?     [Back to top]

Yes.  We use pay pal for credit card processing, the most trusted processor on the internet.  Credit Defrag.com does not have access to your credit card information.

Do you offer an express service (faster than 10 days for the update)?

No.  It takes 10 days for the information to populate at the credit bureaus mainframe computers.  If this process was done manually, it would take 9 to 12 months to get the same results.

Is Credit Defrag legal?      [Back to top]

Yes, 100% legal