Built by people who read the reports.
The CRCP is the credit arm of Mac Financial MGMT LLC — an accounting and financial-management practice. Credit work sits next to tax prep, bookkeeping, and business banking here, which is why the program is built around the whole financial picture instead of a dispute letter mill.
How we run it
We show our work
You see the readiness report before anything is mailed, the letters that go out, and the responses that come back. If you ask what happened in month three, you get the file, not a summary.
We bill after, not before
Enrolling costs $0. The consultation fee bills after the report is in your hands; each month bills after that month's work is done. Nothing is ever collected for work that hasn't happened. Why that matters.
We turn files away
If your report doesn't have challengeable items and what you actually need is six months of on-time payments and lower balances, we'll tell you that and hand you the plan for free.
What we will not say to you.
The credit repair industry has a truth problem. Here is our short list of things you will never hear from this program, because they are either illegal, impossible, or both.
“We guarantee a 100-point increase.”
Nobody can guarantee a score. Anyone who does is telling you what you want to hear to close you.
“We can remove that even though it's accurate.”
Accurate, current, verifiable information stays. What we challenge is what's wrong, unverifiable, or reported improperly.
“Just pay the setup fee to get started.”
Federal law forbids collecting for a service before it is performed, and that includes the consultation. An upfront fee is the single most reliable sign you are dealing with a company that has not read the statute it operates under.
“Get a new identity number and start clean.”
That's fraud. It is pitched constantly. Walk away from anyone who offers it.
Start with the consultation.
It costs you one form and a credit report pull to find out exactly where you stand.