Frequently asked Questions

Who is the Fair Credit Bureau?
The Fair Credit Bureau is a division of Strong Credit. We offer a step-by-step program that is easy to follow and is written by experts in the Credit Repair industry. Our program is guaranteed to raise your credit to a FICO score of 750 or higher. We are not a Credit Reporting company. However, we are a customer service agency that helps everyday people deal directly with Credit Reporting companies like Experian, Equifax, and Transunion. We also assist banks and other organizations that want our help. We provide strategic, legal knowledge and advise that is easy to use.

How do I get a Free Credit Report?
Consumers are entitled to one free credit report each year. Go to to get your free report today. However, there are several other ways to get free reports, and we can show you how. You are also eligible for a free report if you were rejected for a loan. We show people how to understand the rules of the credit game and how to use them to their advantage, instead of being frustrated with the usual run around most people endure when trying to find their credit reports or repair them on their own.

How is my credit score calculated and what does it mean?
Your credit score is a three digit number lenders (i.e. Banks) use to determine whether or not you are a good candidate to lend money to. The higher your credit score, the less risk the bank is taking by lending you money. (i.e. The bank thinks if your credit score is higher, you are more likely to make payments on-time and return their money with all interest paid). 

Your credit score is determined by five different categories: Payment History, Amounts Owed, Length of Credit History, New Credit, Types of Credit Used. All three Credit Bureaus calculate credit slightly differently, but it is important to know what types of credit is considered "bad" and what types of credit is considered "good" - for example, what will raise your credit score (good) and what will lower your credit score (bad).

Each credit bureau will give a different number, for example 623, 659, and 702. The reason the numbers are different is because each bureau calculates or weights the categories differently. Most lenders will use the middle number (in the example above, the lender would use 659 to determine a) whether or not they'll lend you money and b) what interest rate they'll give you. 

The lower your credit score, the higher the interest rate. This means...if your credit score is low... you will end up paying a much higher interest rate than someone with a high credit score. A low credit score unnecessarily costs you hundreds, if not thousands, of dollars each year. With a few simple steps you can improve your credit score dramatically and get a lower interest rate, therefore saving thousands of dollars each year!

What are my rights under the Fair Consumer Reporting Act?
Everyone has the right to have an accurate credit report. If there is information on a credit report that is not accurate, then it is not legal. This law is designed to protect consumers from inaccurate information hurting their chance at positive credit.

Why do I have bad credit?
The most common reason for bad credit is late payments and numerous inquires. Another common reason is outstanding balances that are not paid off. These items on a credit report may not be accurate even if they were caused by the consumer. If they are inaccurate they are not legally allowed to be on the report. So it is possible to remove these items with an aggressive approach.

Can I afford to repair my credit?
The real question is, how long can you afford not to repair your credit? Take a look at how much it costs to have bad credit and how much money you save by having Strong Credit:

Our simple lifetime program will give you access to all three credit bureaus which will allow you access your credit reports for FREE - for the rest of your life! This program can be used at any time, for the rest of your life. Once you know the few simple steps to achieve strong credit, you will be set free from credit burdens, identify theft, and poor interest rates forever!

Imagine living with the ability to be approved for loans and credit applications with no hassle, and with the absolute lowest interest rate possible. What would you do with the extra money you're saving on interest, thats now in your pocket?!

How long will it take to have a better credit score?
Credit Reporting Bureaus have 30 days to remove items after they are notified they have incorrect information on a report. However it is not that simple. The Credit Bureaus are setup to reject your report automatically. So, special knowledge of how to handle them when they auto-respond to consumers is required.

What kind of items can be removed from my credit report?
Anything that is negative and hurting your credit score should be removed. It is legally possible to remove anything that is inaccurate or that can not be proved. At Strong Credit we require that credit reporting companies prove this information and provide you with documentation of how this was done, as well as contact information for all creditors who recently received a copy of your report before it was corrected.

How does my credit score impact which interest rates I get?
The lower a credit score, the higher the interest rates. Consumers that apply for loans or credit cards get abused by higher interest rates. You could be losing hundreds, even thousands of dollars a year in interest, simply because you haven't taken the simple yet necessary steps to improving your credit.

If you have poor credit, you could be paying $3,500 or more annually for your home than someone with Strong Credit: 

 Credit ScoreInterest Rate Monthly Payment Monthly Difference Annualized
 760-850 4.52%
$0.00 extra cost!
 700-759 4.74%
 680-699 4.92%
 $72 $864
 660-679 5.13%
 $112 $1,344
 640-659 5.56%
 $192 $2,304
 620-639 6.11%
 $296 $3,552
*Based on National Average APR, from, based on a $300,000 30-Year-Fixed Home Loan