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Do you need 50-150 points increase on your Credit Score?

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Over One-Hundred Thousand Satisfied Customers!
Here's what's included with your Financial Edge Membership...

Expert Assistance

Professional Analysis of your Credit Reports by a CreditMAX Credit Restoration Expert

Unlimited Disputes

Unlimited Personalized Disputes processed and sent on your behalf to assist with the correction or deletion of any information you believe is inaccurate, misleading, outdated, obsolete or that is no longer able to be verified

Personal Portal for  Following Progress

Updated Credit Reports provided by each reporting agency to show all items corrected or deleted. • Customer Portal to keep you informed on where we are in the process

Credit Rebuilding Services

Credit Rebuilding Services to help you establish or reestablish your credit history/score.  Identity Theft Correction

Your Credit Scores affect every area of your financial life! Including… Your Interest Rates, Down Payments, Insurance Premiums and even your ability to obtain certain types of employment!

By always making sure your Credit scores are in the best shape possible, you can potentially save hundreds and even thousands of dollars every month. Don’t let low credit scores keep you down. Instead, let our team of credit experts help you get the credit you deserve.

Credit Repair by CreditMAX is just one of the financial services you get as a member of MWR Financial Edge Membership for just $79.95 monthly.  Also included in your membership is  EquityMax to help with debt elimination, MoneyMax for financial advice and IRS tax questions answered on demand, and WealthMax a wealth mentoring and education service by Jordan Goodman "America's Money Answers Man". ...All included with your Membership.

Here's what you can expect...

  • C.R.O.A. Compliant, Confidential, Professional, Personalized & Prompt Service
  • Our customers typically experience an average Credit Score increase of 50-150 points. Results may vary for each client!
  • Increasing your credit scores can save you Hundreds and even Thousands of Dollars in: Interest Rates, Down Payments, and even Car/Homeowners Insurance Premiums.
  • Peace of Mind

  • Removes or corrects: Late-Payments, Collections, Judgments, Tax Liens, Repossessions, Charge-Offs, Foreclosures, Bankruptcy Items & Bankruptcy Filings.


About Credit Scores

Credit scores are one of the most confusing and misunderstood parts of personal finance. In simple terms, your credit score is a three-digit number based on your bill-paying history and debt profile along with statistical information about other borrowers. Lenders use this data to determine the likelihood of certain credit behaviors, including whether you will pay on time.

Your score is derived from five key factors:

Increasingly, credit scores are being used for purposes other than determining whether you will default on a loan or make late payments. For example, some insurers are using low credit scores as indicators to identify individuals they believe are more likely to make claims against their insurance policies. These insurance companies maintain that there is a correlation between poor credit and filing multiple insurance claims. There have been challenges to these practices and legislative attempts to ban this practice. Nonetheless, the practice persists. An accurate credit score can make the difference not only in interest rates charged on loans, but also on the availability and cost of insurance, an important essential for most families.

Once negative items get reported to any of the three major credit bureaus, they generally remain there for SEVEN years, with the exception of bankruptcy, which remains there for TEN years!

Here's What the Credit Bureaus WON'T TELL YOU!

None of these items need to be on your credit report. There is no legal requirement for any of these items to appear on your credit report. You have STATE and FEDERAL laws that protect your rights. We utilize these laws to help you improve your credit report.

By going through our process you can improve each of your credit reports and increase your ability to obtain Mortgage Loans, Credit Cards, Auto Loans and All Types of Consumer Credit. Additionally, a good credit score means better rates on all types of insurance as well as the interest rate on your credit cards. Some companies won't even hire you if your credit is bad!

We provide the opportunity for you to get back into the credit system.

Since there are no laws that require the credit bureaus to report any negative information on you -- with the exception of past due child support -- you may wonder why the bureaus often refuse to remove negative information. It is because that negative information is owned by the creditor or collection agency that reported it. These creditors and collectors are the CUSTOMERS of the credit bureau. So they have a monetary relationship with each other and their allegiance is with EACH OTHER not YOU!


Who can the CreditMAX Credit Restoration program help?

The CreditMAX Credit Restoration Program can help anyone looking for or needing third party assistance in attempting to resolve their current or past credit problems. No matter what your current or past credit situation is, there is always something that can be done to improve it. Unless of course you have perfect credit, which according to recent studies would include less than 5% of our population. The CreditMAX Credit Restoration program is one of multiple services provided by CreditMAX to help you improve your overall credit history and/or credit scores. As part of the credit restoration process, we may employ or recommend use of these additional services to assist you in maximizing your credit potential.

Is Credit Restoration Legal?

YES! It is legal. In fact, it is the best way to exercise your rights under the Federal Fair Credit Reporting Act and the Fair and Accurate Credit Reporting Act. These laws were put into place to protect consumers from the intrusion of the credit bureaus into our lives. They also provide each of us with a checks and balance system, giving us the right to question the validity, accuracy and ownership of the information being reported about us and sold to others. Insuring that only information that is 100% accurate and verifiable is being provided to potential lenders, employers, and insurance agencies, so that we are not being unnecessarily overcharged for lending or insurance premiums or denied employment due to erroneous credit reporting.

Can information really be corrected or deleted from my credit reports?

Absolutely! If it is not 100% accurate, if it is misleading, outdated, obsolete, or can no longer be verified, by federal law it must be updated or removed.

Are credit bureaus a government agency?

Absolutely NOT! They are simply privately owned companies that make money by selling our information to anyone who will buy it.

Is there anything that CreditMAX can do that I can't do myself?

CreditMAX is simply a service. There is nothing we do that you can't do all by yourself. However, most people do not have the time, patience, or the know how to deal with the credit reporting agencies. This is where we can help!

How long does negative information have to stay on my credit reports?

The statute of limitations says that items can remain on your credit reports for seven years from the date of last activity and bankruptcy up to ten years. However, there are no laws requiring that a creditor or credit reporting agency keep any information on your credit report and they can choose to delete it at anytime they want prior to the end of the statute of limitations. In addition, any information that you authorize CreditMAX to dispute on your behalf that is found to be inaccurate or unverifiable is also required to be deleted or corrected and the statute of limitations does not apply to these types of accounts.

Which Credit Bureaus does CreditMAX Challenge?

First of all, there are many small credit bureaus throughout the United States. However, each of the smaller credit bureaus typically obtain their information from the Big Three (Trans Union, Experian and CSC a.k.a. Equifax). CreditMAX challenges the information you have authorized us to dispute with all three.

How long does Credit Restoration take?

Credit Restoration typically takes anywhere between 2-8 months depending on multiple factors, such as: 1) How quickly you forward/upload correspondence you receive from the credit bureaus back to CreditMAX, 2) The credit bureaus cooperation in complying to the time frames they are allowed in order to respond to the investigation requests we are submitting on your behalf (30 working days) and 3) The number of derogatory accounts you are requesting that we investigate on your behalf.

What happens if the Credit Bureaus do not respond within 30 working days?

If the Credit Bureaus do not respond to an investigation request within a reasonable amount of time (30 working days, which is approximately 45 total days or 6 weeks), you will need to email our office at:, so that we can initiate a follow up dispute or contact them to obtain verification of why they have not responded according to the time frame allotted.

How much does Credit Restoration Cost?

CreditMAX provides credit restoration services exclusively to MWR Financial Edge members only and this service is absolutely a FREE Benefit of any Financial Edge Membership and is not available to the general public. In addition, the monthly membership fee you agree to pay when you become a MWR Financial Edge Member is used to cover the other services offered thru your membership. MWR did not increase their fees to the end user in order to cover the cost of CreditMAX, but instead absorbed the cost of this service for each of it's members, making it FREE for as long as you remain an active MWR Financial Edge member..

How do I find out what my Credit Score is?

You can purchase your credit scores from each credit bureau by visiting Unfortunately, your credit scores are not provided free with your credit report and you will be required to pay a small fee.

How do I get a copy of my Credit Reports?

You can get a Free Copy of your Credit Reports once a year by visiting

Can CreditMAX Guarantee to remove specific Items from my credit reports?

No company or individual can guarantee to be able to remove specific items from your credit reports. Unless, you have documentation from the creditor or entity reporting the information about you, that states the information is not being reported correctly or that company or entity agrees that the information should be removed.

Does paying an old debt help my credit score?

Paying an old debt can potentially help your credit score, however it can also change the date of last activity and extend the time period in which that account can be reported. The account should be updated to show a zero balance, but will still report that it was in collections, charged off or that you were delinquent on it in the past, which will still have a negative impact on your credit score. This is unfortunate, because it does not appropriately reward you for attempting to do the right thing.

Do I still owe the debt if an item is deleted from my credit report?

If an item you have requested CreditMAX to dispute on your behalf is deleted, due to the fact that it was unverifiable or being reported incorrectly and you owed money on the account, you will still owe the money. Getting an item deleted from your credit history does not take away the responsibility of the debt. However, your MWR Financial Edge membership does provide additional service to assist you with settling or eliminating these debts Please schedule a Debt Relief Consultation to learn what your options are. .

Can information be re-reported or reappear if it has previously been deleted?

It is highly unlikely and happens very rarely! However, if you still owe money on an account that you have requested to be investigated and that item is deleted, the creditor can possibly re-report it at a later date, especially if there is any additional activity on the account. Based on our experience, this typically occurs if an account is sold or turned over to an outside collection agency. If this ever happens, the credit reporting agencies are also required to notify you in advance of re-reporting any item that has previously been deleted and CreditMAX, upon your request, will request a reinvestigation of the account.

What is a CreditMAX Customer Portal?

This is a web-based messaging and upload system that provides you with real time account information, as well as a method for you to securely upload any credit reports, letters received from the credit bureaus or any information requested by CreditMAX. Whenever you become an active CreditMAX Credit Restoration client you will be able to login to your MWR Financial Edge account. Your CreditMAX customer portal provides you with an activity log that let's you know: what has been completed on your account, what your next step needs to be, what you can expect to receive from the credit bureaus, when we receive information that you have forwarded to us and recommendations as to what you can do to potentially enhance your credit history and credit scores.

How do I access my CreditMAX Customer Portal?

You can access you customer portal 24/7 by logging into your Financial Edge account, then simply click on the CreditMAX Member Access button. Your CreditMAX Customer Portal will be located on this page.

Where do I send my Credit Reports or other information I receive from the Credit Bureaus?

CreditMAX provides 3 methods for you to send us information you receive from the credit bureaus or information that we may request from you in order to complete the credit restoration process.

1) You can scan and upload pdf documents directly thru the upload area of your CreditMAX Customer Portal (Preferred Method for fastest processing)

2) You can Scan and Email your pdf documents

3) You can fax your documents

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And take control over your Credit starting now!