Canny Credit Repair


Welcome to www.CannyCreditRepair.com.

Are you tired of wasting your time and money dealing with those credit repair services that force you to sign contracts for their service? Do those other credit repair offers sound too good to be true and offer little to no improvement on your credit report and score? Or are you just fed up with having bad or poor credit and your credit score is at a standstill?

Well, Canny Credit Repair gives you, the consumer, the power to take control of your own credit profile, restore your credit worthiness, improve and enhance your score in order to secure a better financial future. Our easy to use step-by step format provides you with the necessary tools to remove those unwanted errors and derogatory items off of your credit report like a professional and at a cost affordable for everyone!

Our Purpose

Our website is not meant to give a thorough explanation on how the credit bureaus function and use consumer information. Our purpose is to provide consumers with a simple step-by-step approach on how to challenge and delete incorrect items from your credit report in accordance with the regulations under the FCRA, FDPA, FCBA and HIPAA laws.

Canny Credit Repair was designed specifically to provide a unique plan that will allow our users to properly challenge discrepancies on a credit report. For our method to be most effective, users should follow the direction in each section. 

Canny Credit Repair is not a credit monitoring service. We also do not generate consumer credit reports.  When ordering your credit report directly from the three bureaus, TransUnion, Equifax and Experian, make sure to order them at the same time to receive them at approximately the same time.

Our site generally refers to all undesired listings as harmful and negative, but this might not be the case for you. Our methods are not only effective for negative accounts, but can also be used to challenge ANY listing you would like to possibly have removed from your credit report.

Common Questions

Credit is defined in a couple of ways. One is the amount of money you are approved to borrow from a lending institution. With this approval comes an agreement to repay the charges, any additional fees that can or will be applied, and to abide by time restrictions.

Credit can also be classified as your borrowing reputation. It paints a picture of your payment history and provides the lender with information regarding the likelihood of your repayment, in other words, your risk factor.

Revolving Credit

This form of credit allows you to borrow money up to a certain amount. The lending institution sets a credit limit, or the most you can borrow. In revolving credit, the borrower revolves the balance by rolling from month to month until it is paid in full. Interest charges typically occur for any revolving balance. As the money is paid back, the difference between the maximum credit limit and the current balance is available to be borrowed. This is the most common form of credit issued by credit cards, such as Visa, MasterCard, and store and gas cards. Credit cards are considered unsecure credit because there is no collateral securing the amount borrowed.

Charge Cards

This form of credit is often mistaken to be the same as a revolving credit card. However, the major difference between a credit card and a charge card is the credit card can carry a balance, whereas the charge card must be paid in full each month. If the balance is not paid on time and in full, penalty fees will be added. American Express is an example of a well-known charge card. This form of credit is advantageous against accumulating credit card debt.

Installment Credit

Installment credit involves a set amount borrowed, a set monthly payment and a set timeframe of repayment. Interest charges are pre-determined and calculated into the set monthly payments. Common forms of installment credit agreements are home mortgages and auto loans.

Installment credit is also typically secure. Secure credit requires security for the lender. The borrower must provide collateral, something of value pledge in order to guarantee loan repayment. If the borrower fails to repay, or defaults on the loan, the lender may confiscate the collateral. A home is an example of collateral on a mortgage, and a vehicle on an auto loan. If the borrower were to default, the home or vehicle would be repossessed.

Non-Installment or Service Credit

This form of credit allows the borrower to pay for a service, membership, etc. at a later date. Generally, payment is due the month following the service, and unpaid balances will incur a fee, interest, and/or penalty charges. Continued non-payment will result in service cancellation and can be reported to the credit bureau, affecting your credit score. Service or non-installment agreements are very common in our everyday life. Cell phone, gas and electricity, water and garbage are all examples of service credit.

You should know the most common type of credit score used for credit is the FICO score. You can purchase your credit score from all 3 major bureaus along with your credit report. You also don’t just have ONE credit score with a single bureau, you can have multiple.

Important Disclaimers and Reminders

Please keep in mind that the credit bureaus must obey the law under the FCRA Fair Credit Reporting Act (FCRA). What does this mean for you? This means the bureaus have no leeway for discretion or for mistakes in complying with the FCRA. The FCRA was designed for the consumer.

Your personal information is safe with this site. None of the user’s personal information is stored in our system and our website is secure.

Canny Credit Repair, Inc complies with the Credit Repair Organizations Act (CROA). The Credit Repair Organizations Act is part of the Credit Protection Act and is a federal law that mandates credit repair services to communicate honestly with consumers. We are a self-help credit repair service that offers three specific plans to choose from to challenge an individual’s personal credit repair needs. Canny Credit Repair subscribers are users who gain access to forms, tips and tools.

Even though the credit bureaus offer an online dispute system, we have found disputing erroneous and inaccurate items by mail to be the most effective way to file a dispute. By mailing the dispute, you will not be obligated to agree to the terms of the online dispute process that might be found on the sites of the bureaus.

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