The Most Effective Credit Repair Program

Late Payment

One single late payment can lower your score anywhere between 40 to 100 points. This is where we come in. We challenge and dispute late payments directly with all three credit Bureaus and the creditor to have them permanently removed from your credit report. 

Charge-Offs 

When creditors see a charge off in your credit report they automatically indicate it as negative and are more likely to deny a loan or lines of credit as they see this as a financial risk. Just like late payments, charge-offs stay on your record for 7 years. We want to help you gain financial confidence so you can get your life back on track and closer to accomplishing your life goals. 

Collections

 If you have a collection item in your credit report, it’s no doubt that you want it off your report! Often times, collection agencies report inaccurate information and this can drop your credit score dramatically. It is our job to distinguish and challenge the inaccuracies on your credit report and protect your rights under the Fair Debt Collection Practices Act (FDCPA). 

Bankruptcy

Removing a bankruptcy from your credit report earlier than  7-10 years can be a very frustrating and difficult process, but it is possible to do with the help of our expertise when reviewing any inaccuracies in your bankruptcy process. Inaccurate bankruptcy removal allows you to start rebuilding your credit report so you can get the score you deserve. 

Debt Settlement 

As we face financial hardships throughout our life journey, we want to do all we can to help put the past behind. Our debt settlers negotiate with lenders to get you to your best financial standing and get rid of those persistent debt collectors.

Repossession

A single repossession not only hurts your credit score, but leaves a negative mark on your credit history. This one-two punch cripples your credit report and drastically decreases the chances of being approved for a future loan with affordable rates, if approved at all.  We have the experience of removing repossessions out of our client's report and push for the best results.