What is Credit Matters 365?

CreditMatters365 is a subscription based credit enhancement program. You will be billed monthly at the rate of $99.99 until you achieve your desired results or 12 months passes, whichever is shorter. Over the next 12 months we will submit letters on your behalf to address derogatory information reporting on your credit report. We make no guarantees or promises. However, our deletion success rate is on average at 80%

How do I Enroll?

Go to our website www.capitalcreditcenter.com  and click on the “Sign Up” link

How much does it cost to get started

You pay a $225 Registration fee which is refundable up to 3 days after payment if you change your mind.

What should I expect next?

You should receive a welcome letter with instructions on what action steps you need to take

How long will it take before I see items being submitted on my behalf?

Once you receive the Enrollment Letter to confirm that we have received all the required documentation, you should see letters being generated on your behalf within 72 hours

What do I need to do after the letters have been submitted?

Monitor for any correspondence or reports from the credit bureaus, collection agencies, creditors or others. Make sure you forward whatever you receive to us immediately at
Our email: documents@capitalcreditcenter.com

Can I select which accounts on my report I would like to have challenged?

Yes, You would need to sign up for our special program which has an additional fee attached to it. I can have an Account Manager call you to discuss this option in detail.

I never received my personal portal access.

Notify us, and we will send it to you again. Look for an email that is coming from www.secureclientaccess.com If you do not see it please check to see if it went to your spam mail box.

What are your hours of operation?

Our office hours are:

Monday –Friday

10am-4pm EST

Closed Holidays

However, you have access to us 24/7 through your personal portal.

I am having trouble logging into my personal portal?

I can send it to you again for you to reset your password.

It has been 30 days since letters were sent on my behalf and I have not received any correspondence

The bureaus have up to 45 days to respond. We will follow up with them on the 46th day if you have not forwarded us any notification from them.

I would like to get a status on my account?

Email us and we will log into your personal portal to review  what action has taken place.

I would like to cancel my service?

Contact client services at 407-926-4112 or send a message using your personal portal

I am having financial difficulties right now and would like to place my account on hold. Is that possible?

Yes we can place you in an inactive status for up to 90 days

I would like to change my payment date. Is that possible?

 Yes, However we only offer two dates during the month for payment options. You can select the 3rd or 17th of the month

Can you give me advice on how to improve my credit score?

We do not advise the client, however we do offer reference material to gain knowledge on ways to improve your score ie:FICO.com

Can you advise me on whether I should pay off my collection or not?

We do not advise clients on whether they should pay off their collection or not. That would be strictly up to you. However, we do suggest that you get in writing that the item will be removed from your credit before you make any payment.

How long does the process take?

Each client is different, however the process can take up to 18 months depending on how many accounts you have on your file.

How long after I start your program can I apply for credit?

We ask that you wait 3-6 months. We prefer the 6 month waiting period.

I’m in bankruptcy, can I still sign-up for your program?

No, you need to be discharged for a minimum of months prior to coming on as a client

Do you delete late payments?

The only way late payments can be removed from your credit report is by the account holder. We do not address late payments but we can give you instruction on addressing them on your own

Do you sale trade lines and CPNs?


I don’t want to pay on my account anymore, can you just remove it?

No, it is illegal.  If  you are having trouble managing and paying off your debt you may want to speak to a bankruptcy attorney