What are the hours I can speak with a Credit Commission Credit Advisor?

We are available Monday -

Friday from 9:00 am - 5:00 pm EST

Additional times are available by appointment. Closed on Sundays.

What is a credit score?

Your credit score is a number that is calculated based on your credit history such as credit cards, loans, and mortgage history that is used to predict the likelihood that you will default on a debt.  Your credit score can be between330 - 850.

Who are the three credit bureaus?

The 3 main credit reporting agencies are Equifax, Transunion, and Experian.

Why do I need reports from all 3 credit bureaus?

Each credit bureau has access to different information. As a result, different information creates different scores. The advantage of a 3-bureau report is readily identifying discrepancies: just because you don’t have a collection on one report doesn’t mean it doesn’t exist if another bureau is reporting that collection.

When is the best time to start your service?

That answer really depends on your personal goals. Whatever your personal credit and financial goals are, it’s important to remember that credit repair is not an overnight “quick-fix” and takes time. Many people can start to see an increase in their score inas little as 30 – 45 daysbut the process of going from bad credit to good credit typically takes much longer. Your score didn’t get bad overnight and it doesn’t improve that way either.

Does it hurt my credit score when I check it?

No. Checking your own credit doesn’t have an impact on your credit scores. When a lender or creditor pulls it, you will get a hard inquiry.

Who is a good candidate for our program?

Credit repair works best for people that have already come out of their personal recession. Are you able to afford your existing lifestyle but are being held back from getting financing on a new car, home, or loan? If so, we want to talk to you.

How many negative items do you work on at a time?

We work by round. As in, we investigate as many negative items on your account as possible each round, and continue to work those investigations through the remainder of the program.

What are your charges?

Please see the "SERVICES" tab to select Personal Credit or Business Credit. The prices and the billing of each service is located in each section.

Can I cancel whenever I want?

Yes, you can any at any time. You will just have to pay for any work that has already been completed. If current disputes are in progress and deletions occur, then you are responsible for those charges as well.

What documents are needed to get started?

State Drivers License                                                                                   

SS Card or W2 or 1099 (Just one of the these)                                                            

Utility Bill with your name and current address                                                                                             

1stPage of a Bank Statement

In general, we need your ID, SS proof, and 2 proofs of address

What are my responsibilities as a client?

You required to either, scan, fax or mail in all responses from the credit bureaus and your creditors during our process.

The email address is info@thecreditcommission.com. Please place your name in the Subject Line of the email.

The fax number is 804.999.6336.

Please use a cover sheet and write your name on it.

Lastly, you can elect to mail it to The Credit Commission, PO Box 14116, Richmond VA, 23225.

Contact Us

Do you have questions that you need to be answered? Reach out to us below with your response and best contact information to reach you, and we will get back to you within 24 hours.

Hours of Operation:

Monday-Friday: 9:00AM-5:00PM EST

Saturday: Closed

Sunday: Closed




(804) 882-2992


(804) 999-6336