Got Questions?

You are in the right place. See our Frequently Asked Questions (FAQ) below.

Still have questions?

Schedule a consultation appointment today!

Got Questions?

You are in the right place. See our Frequently Asked Questions (FAQ) below.

Still have questions?

Schedule a consultation appointment today!

Happy Clients

FAQ ‘s About Best Credit RX

FAQ ‘s About Our Process

Who is Best Credit Rx?

Best Credit Rx was founded in 2004 to solve a growing marketplace problem. Individuals and families find it increasingly difficult to ascertain affordable credit necessary to purchase cars, homes, pay for college, and get low-interest rate credit cards. 

Most people find it very difficult to manage and maintain a high credit score. Credit scores impact nearly every aspect of your life. We understand the laws and processes to keep a positive credit history and a high credit score.

We have helped people from coast to coast, even international! You can reach us through our website at or our customer service department at 877-469-2279.

Our superpower is helping you find your superpower. 

What products do you offer?

Best Credit Rx offers a variety of services.

We understand that everyone’s financial situation and credit are unique, so we offer the best comprehensive, personalized, and proven credit repair programs. 

When you become a Best Credit Rx client, we will customize your credit repair program to your exact needs and goals and educate you on the process. 

In short, we want to educate you about the process, what you should and should not do and how we will work with each other to have the best results for your credit. We do all of this at an affordable rate that can fit anyone’s budget. 

Our proven techniques are based upon extensive research of consumer credit laws, working with RESPA and HUD, experience with all three credit bureaus, Dunn & Bradstreet, and creditor tactics that are all essential for our clients. Our programs are 100% legal. We have helped tens of thousands of clients worldwide to correct and update their credit profiles, resulting in higher credit scores.

Visit our Product Page Here.

What are the benefits of your services?

The benefits of our services are boundless. The true value of our service will open doors that will be achievable in a very short time. From qualifying to buy a home to purchasing a new car with a good interest rate, we will guide you through the process of rebuilding your credit with our nationally known Premier Partners.

We stop the harassing phone calls from bill collectors. Stop all of the junk mail that you receive every day. Delete and correct derogatory and misleading information on your credit report.

Are you a legal firm, and do you provide legal support?

Quite simply, No. We will refer you to legal counsel if you should ever have legal questions or concerns. We do prepare everything with an eye toward litigation, just in case. If we need to refer you to legal counsel, there is no charge to you.

How long have you been in business?

The company was incorporated in 2004 under the name of Plunkett and Associates. The company began offering its services to the public in the same year. In 2009, the company changed its name to Best Credit Rx. It continued to provide the same excellent customer service to clients worldwide.

In 2013 the company moved its corporate office to North Carolina. It made a minor name change to Best Credit Rx LLC to expand its footprint in the Southeast while maintaining a solid presence in the Southwest. Our clients include Americans living abroad, deployed by the military worldwide, and people from all across our great nation.

How do I get started?

Contact Best Credit RX - Once we connect, we will work with you to get your credit reports in our hands. We'll review them, discuss your options, and go through each account item to understand what happened.

We'll let you know what we can work on. This way you can make an educated decision when determining how to use our service.

We don't offer our services to every person. In certain situations, we recommend that you don't employ our services immediately to make some improvements on your own first to get the total value of our services.

We offer several ways to reach our team:

Phone: (479) 935-1505 


How does the process work?

Great question! The process is different for everyone. After our consultation, we will be able to educate you about your process and set your expectation of what to expect in the months to come.

How long does the process take?

The process can take as little as 30-45 days to immediately impact your credit report and corresponding scores. However, we require a minimum of a three-to-six-month contract with all of our clients. It can take several months and multiple responses and requests to remove the most derogatory information from creditors and credit agencies.

We have the most significant impact on your score the longer we work on your file. We make no guarantees; however, we have a long list of references that will attest to the quality of our work.

What information do I need to provide?

We will review your credit report to establish whether we can help you and let you know what we recommend to begin repairing your credit. We will also let you know if we believe our services are suitable for you.

Once a plan is selected, you must review and return our credit repair agreement and initial payment. Going forward, we require your monthly updates from the credit agencies so we can continue to work on credit repair.

What are my responsibilities to Best Credit Rx?

Improving your credit report is a partnership between you and us! A super team! You send us monthly updates to ensure we receive the latest responses from the credit agencies. The sooner you get the updates to us, the sooner we can get back to work on fighting for your rights and removing inaccurate and derogatory information.

We will send you monthly reminders to get us your credit updates from the credit scoring agencies. Still, it is your responsibility to get those reports to us.

Do you guarantee your work?

We guarantee that if an item is removed from your credit report and reappears on your credit report on/or before five years from the date you started with us with the same account number and name, we will work to remove this information for you at no additional cost to you.

FAQ ‘s About Your Credit

FAQ ‘s About Pricing

How will a bankruptcy affect my credit and your services?

Chapters 7, 11, and 12 bankruptcies will remain on a credit report for ten years from the filing date. A Chapter 13 bankruptcy is reported seven to ten years from the filing date. Accounts included in a bankruptcy will remain for seven years from the date reported as included in the bankruptcy. Judgments: Remain seven to ten years from the date filed. Bankruptcy is a complicated process, so we encourage you to contact Best Credit RX for more information.

What will be the impact on my credit score?

Once we review your file and offer our services to you, you’ll see an immediate impact within the first 30 – 45 days.

What is a Credit Score?

Your credit score is a number generated by a mathematical formula meant to predict creditworthiness. The most common of the credit score standards is the FICO score created by Fair Isaac. The FICO score ranges from 300 to 850 and is intended to predict if you’ll be 90 days late on a loan obligation.

Fair Isaac uses thousands of credit reports to calibrate the FICO scoring model and is very secretive about the exact formula. Credit scores are complicated. Contact Best Credit RX for more information.

What is the Fair Credit Reporting Act?

The Fair Credit Reporting Act (FCRA) is the law passed by Congress defining your legal rights regarding your Credit Report. Among other rights, the FCRA says:

o You must be told if information in your Credit Report has been used against you.

o You have the right to know what is in your Credit Report.

o You have the right to dispute incomplete or inaccurate information.

For more information, visit the Federal Trade Commission’s webpage about the FCRA. (

Fair Isaac uses thousands of credit reports to calibrate the FICO scoring model and is very secretive about the exact formula. Credit scores are complicated. Contact Best Credit RX for more information.

What is the Fair and Accurate Credit Transactions Act?

Fair and Accurate Credit Transactions Act (FACTA)

The Fair and Accurate Credit Transactions Act (FACTA) was signed in 2003 and was a revision to the Fair Credit Reporting Act (FCRA). It allows consumers to get one free Credit Report from each of the three national bureaus once a year. 

This is possible through Buyer beware: other websites offer a “free credit report” for signing up with their services. They use your free report from the government to provide that information to you.

The free Credit Report that many people get through, or does not count toward your free report from the government. At, you can still get both.

For more information, visit the Federal Trade Commission’s webpage about the FCRA. (

What is the Credit Repair Organizations Act?

The Credit Repair Organizations Act (CROA):

It was signed into law in 1996 and governs the business and advertising practices of companies claiming to offer “credit repair” services. Before CROA, some companies took advantage of consumers and profited from advice that hurt consumers instead of helping them. Be very careful when dealing with any company that offers to “fix” or “clean” your credit for money. 

Many of the services these agencies offer are things you can do for yourself at no cost, such as filing disputes with the credit bureaus.

For more information, visit the Federal Trade Commission’s webpage about CROA.

What is the cost of your services?

The cost will depend on what your credit report shows, your goals, and what we can realistically accomplish for you. Each individual is different, and pricing is subject to change. Individual results may vary. Visit our Pricing Page here.

How do I pay for your services?

We accept all major credit cards (except American Express), bank debit cards, cashier’s checks, money orders, and personal checks. Payments are due every thirty days.

What happens if I don't make a payment?

We work directly with each customer to provide a payment plan that works for you. We give you several weeks’ notice of payment cancellations from our account.

How We Work

You probably want to know how long this will take. The entire process will generally take between 4 and 7 months.

Here’s what you can expect.

Day 1

Day 1

Get Started

You’ll complete the enrollment forms and sign up for credit monitoring.

Day 2

Day 2

Welcome Call

We’ll chat on the phone to go over the details of the upcoming process.

Day 3-4

Day 3-4


We’ll complete your audit.

Day 5

Day 5


You’ll pay your $249 audit fee.

Day 6

Day 6


All of your information goes over to processors.

Day 10

Day 10


The credit bureaus generate letters and send them on your behalf.

Day 11 to 40

Day 11 to 40


Your processing loop continues, and we wait for the result.

Day 45

Day 45


Once the waiting is over, we’ll review your file to see what’s happened.

Day 46-180

Day 46-180


We make sure the correct information is being sent and received. We continuously review and update the data.

Day 180

Day 180

Finish Line

You’ll see the results and significant improvements.

Day 181

Day 181

Exit Interview

Day 181

We’ll do one last call to follow up on all the updates and close out your process.

Get Started Today - Sign Up

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Fayetteville, AR 72701

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