Frequently Asked Questions

How does this service work?

When you sign up for our service, you must choose the items appearing on your credit report you feel are incorrect, unfair, or questionable. You then can contact your creditors to demand their removal or correction. If the creditors do not fix the mistakes, you can up the pressure and give new information as to why this item should be removed from your reports. Additionally, we provide recommendations of products such as low interest credit cards, personal loans as well as auto and home loans.

How much does your service cost?

There is no cost for the platform and access to templates, this is a free service. This business model may seem bizarre because we do not charge anything for our service, but it is - we truly do not collect fees for our DIY credit repair service. Everyone should monitor his or her credit and in order to help you, we offer you the ability to keep an active credit monitoring account with our credit report partner CreditStreak.com (Credit monitoring does have a cost to it and we cannot prevent them from collecting their fees and we do receive a referral fee). The purpose of the monitoring account is twofold. One, we need access to your credit in order to receive the credit information so you can begin working on your credit. And, two, it will allow them to monitor and inform you of any changes in your report as needed. The cost for credit monitoring is a small fraction of what you would pay a traditional credit repair company and it provides you with valuable insight and tools to keep an eye on your credit and improve it. While you are free to purchase a different 3rd party credit monitoring service, our platform has only been programmed to have the capability to automatically upload the details of credit reports and monitoring information via CreditStreak.com.

How long does it take?

Many customers receive results within 45 days. The overall process can take six months to a year or longer depending on many different factors.

Why is this better than hiring a credit repair company?

Because it’s FREE! Even if you purchase the outside credit monitoring service to take full advantage of our free platform, you're saving much more than if you hired a third party credit repair company.

What type of items can you delete?

We do not delete anything from your credit reports. No one can predict that ANY item will be removed from your credit report and we don’t make any promises that you are able to get anything removed from your report. We can only give you the tools to best remove the items that are inaccurate, outdated or unverifiable. It is up to you to submit the forms you can prepare from our platform to your creditors and credit bureaus, they will determine whether matters need to be corrected or removed.

Do you guarantee I get approved for a home or auto loan?

Nope. Let us be clear, we do not guarantee any specific score improvement, and we definitely cannot promise you will be approved for financing of any kind. No one can. However by sending your dispute letters to the creditors and credit bureaus yourself, you may be able to remove errors and by removing those errors, it generally can have a positive impact on your credit score; but lenders take more than just your credit into consideration such as income, employment and other factors. By correcting inaccurate items in your credit report you will likely have a better chance at securing favorable terms.

What is a credit report?

A credit report is a track record of both your personal and financial credit information. Which includes information taken from public records, personal identification and debt information.

What are the three credit bureaus?

A credit bureau - sometimes called a "consumer reporting agency" - is a business that collects relevant consumer information from creditors and courthouses, and then sells that information to interested parties such as potential lenders. Such information is sold in the form of a credit report. In the U.S., the three major credit bureaus are TransUnion, Experian, and Equifax.

Who can see my credit reports?

If you are in the process of trying to get financing on a home, automobile, credit card, charge card or personal loan, any creditor who you are working with has the ability to pull your credit report, but only with your permission. This is called an inquiry. Employers may also review your credit file if you are applying for a job, especially if security clearance is a requirement.

What is the Fair Credit Reporting Act and why was it created?

The Fair Credit Reporting Act (FCRA) was written in 1970 as an amendment to the Consumer Credit Protection Act. The FCRA provides additional measures of consumer protection in the areas of fairness, accuracy, and privacy of the information collected by the credit bureaus. It also allows you to personally engage in credit repair and maintenance processes, verifying that the information in your credit report is correct.

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Heart of Fun LLC is the proud owner of this website. 706 Garden Meadow Dr

Under federal law you have the right to receive a Credit Report from each of the three nationwide consumer reporting agencies once every 12 months. A Credit Score is not included.

IMPORTANT: Heart of fun is not a credit repair service organization. We do not claim to fix your credit as we are a self-help software.

You have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly. However, neither you nor a credit repair company or credit repair organization has the right to have accurate, current and verifiable information removed from your credit report. The credit bureau must remove accurate, negative information from your report only if it is over 7 years old. Bankruptcy information can be reported up to 10 years. Credit bureaus are required to follow reasonable procedures to ensure that the information they report is accurate. However, mistakes may occur. You may, on your own, notify a credit bureau in writing that you dispute that accuracy of information in your credit file. The credit bureau must then reinvestigate and modify or remove inaccurate or incomplete information. The credit bureau may not charge any fee for this service. Any pertinent information and copies of all documents you have concerning an error should be given to the credit bureau. If the credit bureau's reinvestigation does not resolve the dispute to your satisfaction, you may send a brief statement to the credit bureau to be kept in your file, explaining why you think the record is inaccurate. The credit bureau must include a summary of your statement about disputed information with any report it issues about you.

All product and company names and trademarks mentioned herein are the property of their respective owners.

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