A complete analysis of your credit reports and a credit repair plan.
Remove harmful errors holding back your credit scores.
Credit Building Tools
Tools and resources you need to build a positive credit history.
Online Credit Portal
Follow your Credit Repair online 24/7 with our secure Credit Portal.
Ongoing education to help you maintain your good credit.
Don’t waste another dollar of your hard-earned money! Our credit-repair process can help you build, improve, and maintain good credit for a lifetime.
You can save thousands of dollars every year in interest, fees, and better rates and terms. Also, better credit will help you qualify for a new home or vehicle.
Take the chains off of your hopes, dreams, and future! It all starts with a Free Credit Review, in which we’ll provide the information and
How Our Credit Repair Process Works
Step One: 30 Minutes
Free Credit Review
We’ll review your credit and create a plan with you in just a half hour.
Step Two: 2 – 3 Business Days
Get a comprehensive review of your entire credit report within three business days.
Step Three: 5 – 10 Business Days
We’ll help you apply for the credit-building cards and loans you need within days.
Step Four: 4 – 6 Months
We have a proven track record of removing errors within 6 months or less!
Step Five: Ongoing
Keep building your good credit with our ongoing blogs, and credit education.
Credit Services Pricing
- All 3 Credit Bureau Review
- Payment History Review
- Debt Ratio Review
- Personal Data Review
- Personalized Action Plan
- Complete Credit Report Audit
- Online Portal Setup
- Credit Building Coaching
- Error Identification
- Credit Repair Strategy Creation
- Unlimited Credit Bureau Disputes
- Collection Validation
- Personalized Dispute Letters
- Escalated Dispute Resolutions
- No Long Term Contract
*Services are provided on a month-to-month basis and clients may cancel their service at any time. At the time of cancellation, the client is eligible for a refund of their most recent monthly charge collected within the last 30-days.
Frequently Asked Questions
How long does credit repair take?
You’ll start getting results within 35-45 days! We call this your “first round” of disputes. For some clients, one round is all it takes!
But the automated system that the credit bureaus use, called eOSCAR, often fails to take the appropriate actions. If that happens, we won’t simply give up. We’ll use increasingly escalated tactics to put the pressure back on the credit bureaus for several rounds, each of which takes 35-45 days.
On average, our customers graduate our Credit Repair process in 6 months or less!
Can you remove collections, chargeoffs, etc, from my credit report?
The Fair Credit Reporting Act requires all of your accounts and items on your credit report to be 100% complete, accurate, up-to-date, and verifiable.
That includes your personal data, payment histories, collections, chargeoffs, public records, and every other type of item.
The key is that the credit bureaus must be able to provide
We leverage the FCRA and other Federal consumer protection laws to enforce your rights and get you the credit you’re entitled to!
What if I have accurate derogatory items?
Firstly, while you’re entitled to accuracy, that’s not all. The credit bureaus must be able to provide verification of their accuracy. It is their burden of proof, not yours.
On the majority of accounts we dispute for our clients, we find unverifiable information and demand its deletion.
Secondly, even if the credit bureaus provide verification that they’ve reported your item accurately, that doesn’t mean you’re out of options.
For instance, the credit bureau may be reporting a collection accurate to the information the collection agency provided them, but that doesn’t mean the collection agency’s actions are compliant with the law.
We pursue every means of helping you get the best credit possible. That only begins with 100% verifiable accuracy.
What do the credit bureaus mean when they call my disputes “frivolous?”
The credit bureaus are required to investigate all consumer disputes. The results they send back are “verified,” “not on file,” “deleted,” or “frivolous.”
They are not supposed to call your dispute frivolous unless it is unclear, unspecific, or obviously false. However, the credit bureaus are known to lump legitimate disputes into this category as a stall tactic.
This is one of the biggest benefits of having professional credit experts advocating for you and handling your disputes. We use advanced strategies to meet the stall tactics of the credit bureaus head on. We won’t rest until we get you results!
Why won’t you request my credit report for me?
An inquiry is added to your credit report every time a financial services provider requests it. These are known as “hard” inquiries and can lower your credit score.
But you can request your credit reports yourself as often as you want, and it will not result in a hard inquiry or affect your credit scores. Therefore, we ask all of our clients to request their credit reports.
Luckily, it’s fast and simple! First, we recommend you request your credit reports, for free, from the credit bureaus’ official website: annualcreditreport.com. Secondly, you can easily sign up for credit monitoring at AFFILIATE LINK, where you’ll have access to live account updates and credit reports and scores refreshed monthly.
Will you bill me in advance for your services?
We will never bill you for services we have not yet provided! If you encounter this practice from any other Credit Repair Provider, it is a huge red flag, as they are not in compliance with Federal regulations.
We take compliance and service seriously. We want you to be absolutely clear on how much each of our services costs — no hidden fees — and we will only bill you after our service has been rendered.
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You don't have to wait! Find out how we can help you turn your financial situation around and save thousands of dollars every year with professional credit repair.