Frequently asked questions

Credit repair by membership: one monthly price, charged only in the months a round of certified letters goes out. No charge per deleted account and no upfront fee. You see the exact price in the app before you start.

Between 3 and 6 months in most cases. Bureaus have 30 days by law to investigate each dispute. The first round resolves the clearest items; harder ones may require 2–3 additional rounds.

No. We can only dispute information that is incorrect, inaccurate, unverifiable, or has legally expired. Most negative accounts drop off after 7 years; bankruptcies after 10. Accurate, verifiable negative information cannot be removed — any company promising otherwise is lying.

Yes. We process cases with ITIN. All three bureaus (Experian, Equifax, TransUnion) accept ITIN for credit reporting. The process is exactly the same.

Yes. You can cancel within the period the law sets (3 business days federal or 5 days in Florida, whichever is longer). No letter is sent and nothing is charged during that period. That right is in the contract and in the CROA disclosure we give you before you start. To cancel, email support@crizmarkcredit.com or cancel from the app.

A tradeline is any credit account on your report. When we talk about 'adding a tradeline,' we mean being added as an authorized user on someone else's account with an excellent payment history. That account — and its history — then appears on your report.

Yes. The authorized user system is explicitly permitted by the Fair Credit Reporting Act (FCRA). It has existed for decades — it was originally designed for parents to help their children build credit. Visa, Mastercard, and all three bureaus report this information as part of their standard process.

Between 30 and 60 days — the time it takes for the account holder's next billing cycle and the bureaus to update the information. Some bureaus update sooner; others later.

No. No one can guarantee a specific number of points — the FICO score is an algorithm with more than 20 factors. What we do is review your situation first and show you which tradeline profile makes the most sense for your current report.

Yes. Florida doesn't require citizenship or permanent residency. You can form an LLC with an ITIN, or even from outside the country. For the IRS EIN: with an SSN the process is online and immediate; with an ITIN it's by mail or fax to the IRS, with a 4–8 week wait.

The Sunbiz filing has a fixed cost of $125 paid directly to the State of Florida. Sunbiz usually approves it in 3-5 business days; with our packages, your LLC is ready in 7-14 business days. Our packages include that filing plus EIN and a bilingual Operating Agreement — see full pricing on the LLC Formation page.

No. We are document preparers: we prepare and file LLC formation documents. We don't provide legal advice. For situations involving multiple partners with complex agreements, visa questions, or international taxes, we recommend consulting a corporate attorney or CPA.

For Credit Repair we serve Florida only and operate under the state's Credit Service Organizations Act (Florida Statute 817.7001). For LLC Formation we can help clients from any state or country who want to form an LLC in Florida. Tradelines have no geographic restriction.

We are CrizMark LLC, registered in Florida and verifiable at Sunbiz.org. We operate under the Credit Repair Organizations Act (CROA) and Florida Statute 817.7001. We never charge upfront before delivering services (as required by law), and every contract includes the client rights disclosure.

We accept ACH and Zelle; Credit Repair is paid only by ACH or Zelle. Payment instructions are sent separately through approved channels — there's no card form on the site.

Message us on WhatsApp at +1 786-790-1862, email us at info@crizmarkcredit.com, or use the contact form on the site. No commitment.