Fowler and Fowler offer personalized credit report repair for a $59 monthly fee per individual. Fowler and Fowler have been performing credit repair exclusively since 1998 in Sebring, Florida. The company is listed with Dun and Bradstreet and is a member of the Sebring Chamber of Commerce.
Fowler and Fowler provides a customized approach to the credit repair process. Each client that enrolls in their services will receive individual attention and have their specific erroneous credit report items addressed. Other benefits of their service include:
Free Credit Evaluation
Fowler and Fowler offer consumers a free initial evaluation to determine their credit repair needs. Individuals that wish to continue with dispute services pay a $59 or $99 initial enrollment fee, depending on package selection. The ongoing monthly cost is $59 thereafter and includes unlimited disputes and deletions and progress monitoring anytime day or night.
Customer Satisfaction Guarantee
Consumers may cancel at any time if they are unhappy with the customer service they have received. Fowler and Fowler will issue a refund as part of its customer satisfaction guarantee for unsatisfied customers. Fowler and Fowler also feature numerous positive customer testimonials on its corporate website.
While Fowler and Fowler provide professional credit repair services, there are some areas of concern. Prospective clients of Fowler and Fowler should be aware of the platform’s limitations prior to enrolling in their services:
Lack of Transparency
Fowler and Fowler’s website lacks a level of transparency to provide customers the most information. Also, the website appears to not have been updated since 2009.
Frequently Asked Questions
How much does Fowler and Fowler’s services cost?
Depending on the package, Fowler and Fowler credit repair services cost between $59 and $99/month.
Does Fowler and Fowler allow me to enroll more than one person or my whole family?
The services offered by Fowler and Fowler for credit repair can be used for both individuals and couples.
How does Fowler and Fowler repair my credit?
Fowler and Fowler repairs credit by using unique documents to dispute negative line items, and works with each client individually for a customized service.
Does Fowler and Fowler provide credit monitoring?
Credit monitoring is not included in the credit repair services offered by Fowler and Fowler, though customers can check their account daily for updates.
How long will it take before I start seeing results with Fowler and Fowler?
Every case is different, so Fowler and Fowler does not give out an estimated time for completion of credit repair services.
What results can I expect from Fowler and Fowler?
The customers who have used Fowler and Fowler to repair their credit scores have experienced a 90-percent removal rate for negative items.
How can I contact Fowler and Fowler?
A customer can get in contact with Fowler and Fowler by phone at 863-655-1725 or email at [email protected].
Many companies across the credit repair industry boast a high number of item removals but that may not always paint an accurate picture of their service reputation. Fowler and Fowler has had a 90-percent removal or correction rate. That high of a success rate has helped their customers to improve their credit scores and enjoy better financing.
Individuals – $59/month
- Account set up
- Customized plan
- Detailed analysis
- $59 analysis fee
Couples – $99/month
- $99 Analysis fee
- Preparation for disputes
- Dispute proceedings
How it Works
Fowler and Fowler uses a three step credit repair process.
Step #1: Analysis
After consumers obtain their credit reports, trained credit analysts will review them during the free initial consultation to determine what inaccurate items are eligible for removal.
Step #2: Dispute Process
When a consumer decides to continue with credit repair services, letters will be drafted by the company and sent to the credit bureaus. Results will be sent to the consumer within 30 days.
Step #3: Settlement
Once inaccurate items are removed, the company will make sure the items stay permanently deleted.
What to Expect when Signing Up
Each customer will receive a free evaluation of their credit history; during this session the team member will analyze what can be done to improve the overall score.
After the evaluation phase, customers will then begin to set up an account, where they will provide some of the necessary information to move forward. This phase is where the initial fee comes in.
Once the credit expert has all the required information, he or she will begin to dispute the negative items in question. This is done without using form draft letters; rather, each letter is specifically written for the customer in question.
The team will continually monitor the changes made to the customer’s credit history to make sure the progress that is needed is actually happening. Customer also has 24/7 access to their account and can see up-to-date information.
What Can Be Removed
Some of the items that can be removed from credit reports by Fowler and Fowler are late payments, collections, charge offs, bankruptcies, judgments, repossessions, foreclosures, and garnishments. Each credit report is made up of any number of line items; the negative ones bring the customer’s score down. If those negative items can be removed successfully, the credit score will increase and the customer can have better financing.