To know whether or not credit repair is worth it would depend on a couple of things. One, you would have to ask yourself how important is to you for you to have good credit. Think about how having good credit can possibly benefit you, your family or possibly improve your life.  What would having good credit mean to you?  It is a know fact that not having ideal credit can cost you thousands and thousands of dollars over the course of having a home or car loan. Whether we like it or not having a good credit score and a clean credit history is EVERYTHING! and can save you so much money in the long run, you just have to decide if making a small investment today to have a better life in the future is worth it.
There is no fast and easy answer to this question.  The time it takes to completely repair your credit is completely dependent upon your personal situation.  The strategy created and plan selected is designed for you to complete the program within 120 - 180 days.  We will work with you every step of the way, but do keep in mind that this is a partnership so part of you completing this program sooner rather than later will also depend on you and how well you manage your finance and follow the program. 
You will be given access to our secure portal which you can access 24/7. In the portal you will be able to track your progress and send and receive emails. 
No. Unfortunately, we are only able to use companies that our system is compatible with.  However, to make this process a lot easier for you, I have included the credit monitoring services in our month fee which will eliminate the additional charge to your account and will allow you to track just one payment. 
No. However, there is a possibility that your score can fluctuate, but this is not guarantee. It really will depend on what's on your credit report, the amount of time of it's been on your credit and the ways in which it maybe affecting your credit. Once you have enrolled in our program we will provide you with a credit analysis which will provide you with a breakdown of your credit history, you will then be setup with a specialist who will go over your options and work with you to develop a strategy on improving your overall credit report as well as help you build credit if needed.  All things we do are only meant to help you and anything not meant for your benefit we will you advise against. 
Yes, you can .  There is technically nothing a credit repair agency can do that you can't do yourself.  However, you need to be willing to put in the work and educate yourself about credit laws to be successful.  You need to keep in mind that it is a lot of work contacting agencies and creditors.  The process of trying to work out a settlement and verify information can be stressful & challenging.  For this reason, many people choose to have a credit repair company do the work on their behalf.  Not only are they diligent in their work, they also know the ins-and outs of credit repair and the laws better than anyone.
Your free consultation will provide you with an explanation of the services we offer, what can affect your credit either positively or negatively, and how your credit score is determined.  This is also a great opportunity for you to ask questions.  If you choose not use our services after the call your are not liable for any charges.
Credit Repair is actually the process of removing inaccurate, unfound, false, and erroneous information from your credit report. Your credit report dictates your credit score.  The major credit bureaus collect information from the lenders, creditors and debt collectors and apply it to your credit report. Based on that information, your credit score is determined. This information could include the balance on a loan or credit card, credit inquiries, debt to income ratio, and most importantly, credit utilization (the percentage of debt you have on available credit)  
Yes, we adhere to a very strict policy that protects all of your valuable information.  All client information is protected on a secure server and backed up routinely. To ensure documents are not compromised, we shred all paper documents after saving them in our database. Every one at CHIC Financial is trained on how to properly verify customers information and know not to disclose any personal information to an authorized party. Please review our privacy policy for more information.
The 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 it takes time.  Many people can start to see an increase in their scores in as little as 30 days, but the process of going from bad credit to good credit typically takes much longer. Your credit score didn't get bad overnight and doesn't improve that way either!