CLEAN UP YOUR REPORT AND INCREASE YOUR SCORE!

We guarantee that you will not pay us until AFTER we get you results. There is no risk of paying for services that do not work. We will even refund your credit audit if you don’t see results in 90 days!

Schedule your free credit analysis & consultation

How Credit Repair Works

You can’t drive how you want, you have to follow the traffic laws. Just like traffic laws the banks, credit bureaus, and creditors have credit laws they need to follow. A lot of times banks, credit bureaus, and collection agencies don’t follow these laws when reporting derogatory accounts.

Audit

The first step is to identify the problems and issues holding back your credit with a comprehensive credit analysis.

Challenge

Using consumer protection laws we file factual disputes to challenge the errors on the derogatory items holding back your credit

Repeat

If items come back “verified” we escalate the dispute process and even include the creditors in the dispute process

We Help Improve Your Credit Scores

By Removing:

Collections Accounts

When an account becomes seriously past due, the creditor may decide to turn the account over to an internal collection department or to sell the debt to a collection agency. Once an account is sold to a collection agency, the collection account can then be reported as a separate account on your credit report. Collection accounts have a significant negative impact on your credit scores.

Repossessions

Repossession hurts your credit score. In fact, it's one of the worst things that can happen to your credit, making your financial life more difficult for years to come. First, the late payments leading up to the repossession will damage your credit score once they're reported to the credit bureaus. Then, the repossession itself will be listed in the public records section of your credit report.

Charge offs

A charge-off is a debt that a creditor has given up trying to collect on after you’ve missed payments for several months. These can include balances from a credit card, mortgage or other debt you take on. As a last resort, the creditor can decide that the debt is a loss for the company and designate it as “charged off.” But that doesn’t mean you’re off the hook. Even though your account is charged off and the creditor reports it as a loss, you’re still responsible for paying back the debt. And the charge-off can remain on your credit reports for up to seven years from the date your first missed payment was reported.

Late payments

You have a 30-day grace period with your creditors before they can report it to the Credit Bureaus. We can dispute late payments based on inaccuracies of the date they reported to the Credit Bureau or we can make a request of a GoodWill Courtesy Removal.

Hard Inquiries

These can be harmful to your credit score. Each hard inquiry usually causes a small credit score to decrease for a borrower. Hard inquiries can remain on your credit report for two years. A high number of hard credit inquiries in a short period of time can be interpreted as an attempt to substantially expand available credit which creates higher risks for a lender. We can dispute this based on inaccuracies or make a request of a Goodwill Courtesy Removal.

Student Loans And More!

Foreclosures, Short Sales, Bankruptcies, Tax Liens, Repossession, Judgments, Personal + More!

Schedule your free credit analysis & consultation

Credit Repair Made Affordable

Other Credit Repair companies charge an average of $300 per deleted item, which can become expensive quickly, considering the average credit report has 11 items that could be removed. We made it affordable by providing UNLIMITED challenges and deletions for a fraction of the cost.