Credit repair is the process of removing inaccurate, unfounded, out-of-date, false, or erroneous information from your credit report. Since your credit report influences your credit score, removing these items can help improve your score. The three major credit bureaus collect data from lenders, creditors, and debt collectors, which affects your report. This data may include loan balances, credit inquiries, debt-to-income ratio, and credit utilization—the percentage of debt relative to available credit.

Yes, credit repair is legal, and we use the law to your advantage. Under the Fair Credit Reporting Act (FCRA), you have the right to dispute any item on your report. If an item cannot be verified within 30 days, it must be removed. Studies indicate that nearly 79% of credit reports contain errors, so many reports see immediate improvements. If a creditor claims verification without proof, we challenge it effectively to help you.

We work to remove items that qualify under the FCRA guidelines—those that are inaccurate, unfounded, out of date, false, or erroneous.

Our services help 93% of clients see an increase in their credit score within 30-45 days.

Pricing varies based on your credit report. For an accurate quote, book a FREE Consultation + Credit Analysis Appointment with a credit expert by clicking the button below.