How it Works

Personalized Credit

Repair Plan

We start with a thorough analysis of your credit report to identify the negative items affecting your score. Our team of experts then crafts a customized plan to address these issues with you during the consultation process. We even email or text the analysis to you for you to keep free of charge, ensuring a tailored approach to your unique situation.

Step-by-Step Guidance​

We guide you through each step of the process, providing you with the knowledge and tools to understand and improve your credit. Our goal is to empower you with the confidence and skills needed to maintain good credit long-term.

Effective Disputes​

We use a mixture of factual disputing under the Fair Credit Reporting Act (FCRA) and Metro 2 compliance challenge letters to dispute inaccurate information on your behalf. Our thorough approach ensures that all inaccuracies that cannot be verified or are not timely are effectively challenged to improve your credit score.

Continuous Support and Updates

Transparency and communication are key. We keep you informed with regular updates on your credit repair progress, we also provide some credit pro tips and facts, so you always know where you stand. We tackle a range of credit issues, including late payments, collections, and more.

Diverse credit issues, We handle:

  • Late payments

  • Collections

  • Charge-offs

  • Bankruptcies

  • Repossessions

  • Foreclosures

  • Tax liens

  • Identity theft

  • Student loan defaults

  • Hard inquiries

  • Judgements

  • ... and more

*Student loans are offered as an extra add-on service and are not included in our regular credit restoration/repair package.

Why Choose Us?

Building Trust: Trust is essential in our relationship. We are committed to providing honest, transparent communication

and delivering on what we say.


​Empowerment: Our process is designed to empower you, giving you the knowledge and confidence to make informed financial decisions and maintain a healthy credit profile.


​Comprehensive Support: From start to finish, we are with you every step of the way, offering continuous support and updates to ensure you stay informed and confident in your progress.

Frequently Asked Questions

What is credit repair/ restoration?
Credit repair/restoration involves identifying and disputing inaccuracies on your credit report to improve your credit score. This can include correcting errors, negotiating with creditors, and implementing strategies to boost your creditworthiness.
How long does credit repair take?
The duration varies depending on your individual credit situation. The most important thing to understand when it comes to credit repair is that this is a marathon and a journey NOT a RACE. Most of our clients see some improvements within 3-6 months, but more complex cases could take up to 1 year.
Can I repair my credit myself?
Yes, you can dispute errors on your credit report yourself, but the process can be time-consuming and complex. Hiring a professional credit repair service can save you time and increase your chances of success.
Why am I constantly denied credit?
Credit denials often result from low credit scores, high debt-to-income ratios, high credit utilization (above 30%) or ANY negative/derogatory items that may appear on your credit report. Our credit restoration/repair process can help address these issues.
How can I reduce high-interest rates on my loans and credit cards?
Improving your credit score and profile is key to securing lower interest rates. By removing negative items and boosting your credit score while improving your overall credit profile, we can help you qualify for better rates and FINALLY get you into that dream home/car that you have always wanted.
Why is it so hard to get approved for a mortgage or car loan?
Lenders scrutinize credit reports closely. Negative items such as late payments or collections can hurt your chances dramatically. Our services focus on cleaning up your credit report/profile to enhance your approval odds.
Can credit repair help with student loan defaults?
Yes, we can address student loan defaults by addressing specific issues related to your student loans, however it is important to note we can ONLY help with FEDERAL STUDENT LOAN debt. We cannot assist with any private student loan debts at this time.
How do late payments affect my credit score?
Late payments fall under the “payment history” section on your credit report and makes up 35% of your overall credit score and therefore, is the biggest major factor in calculating your credit score, so even ONE missed payment can knock off up to 100 points on your credit score and stay on your report for up to SEVEN YEARS! Our service works to remove or correct these inaccuracies to help improve your score.
What impact do collections have on my credit?
Collections indicate unpaid debts and can severely damage your credit score. We dispute incorrect entries and negotiate with collection agencies to resolve these issues.
What does the credit repair/restoration process involve?
Our process includes a FREE consultation/detailed credit analysis, customized repair plans, and continuous updates on your progress. We handle disputes, negotiations, and provide guidance and educational tips on to how to maintain good credit.
How do you handle identity theft issues?
We work to remove fraudulent accounts and inaccurate information resulting from identity theft. Our team also advises steps to prevent future occurrences.
What makes your service different from others?
We offer personalized service, transparent pricing, and a satisfaction guarantee. Our experienced team uses proven methods to achieve real results, and we keep you informed every step of the way.
How can I track my credit repair progress?
You will have online and in-app access to monitor your progress in real-time once you download the Credit Tracker app. We will provide you with regular updates, and you can communicate any questions or concerns you may have. Our comprehensive free app is available for iPhone or android. You can also email our support, and we will guarantee a response within 24 hours.
What if I’m not satisfied with the results?
We stand by our satisfaction guarantee. If we have not made ANY progress within the time you are in our program, we will work with you to address your concerns and adjust our strategy as needed. We also offer a full money back guarantee within 180 days of initial purchase if we have not made ANY progress or if you see no changes at all whatsoever on your credit report. All payments must be made on time every month within the 6 months to qualify for the refund.
How can I maintain a good credit score once it’s repaired?
Maintaining a good credit score involves timely payments, keeping debt levels low, and regularly checking your credit report for errors. We provide tips and guidance to help you stay on track.
Can credit repair help me qualify for better job opportunities?
Yes, some employers check credit reports as part of their hiring process. A clean credit report can improve your job prospects and overall financial health.
Will credit repair remove all negative items from my report?
While we strive to remove as many negative items as possible, some may remain if they are accurate and verifiable. However, our process can still significantly improve your credit score.
How do Bankruptcies affect my credit score?
Bankruptcies are of public record and can drastically lower your credit score and remain on your report for up to 10 years. We work tirelessly to dispute any inaccuracies and provide strategies to resolve these issues.

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