Credit Repair

Rebuild Your Financial Future

Your credit score plays a crucial role in your financial well-being. A low score can hold you back from getting approved for loans, credit cards, and even housing. Our professional credit repair services are designed to help you improve your credit, remove inaccuracies, and set you on a path to financial success.

Trusted by 83,000+ customers across USA!

Take Control of Your Credit & Secure Your Future

Your credit score isn’t just a number—it’s the key to financial freedom. Whether you’re looking to buy a home, get a car loan, or secure better interest rates, a strong credit score opens doors to endless opportunities. But life happens—late payments, collections, and errors can hold you back.

That’s where we come in. Our proven credit repair strategies are designed to dispute inaccuracies, remove negative items, and build a healthier credit profile. We don’t just fix your credit; we empower you with financial knowledge to keep it strong for the future.

True facts Why to fix your credit

You might think bad credit only keeps you from getting a credit card or loan, but it goes further than that. Bad credit can leave you homeless, carless, and jobless. That’s because more and more businesses are using your credit to make decisions about you. Still not convinced it’s time to get your credit act together? Here are 15 reasons you need to fix your credit.

  • 1

    Save Money on Interest

    Low credit scores typically mean higher interest rates, and that means higher finance charges on your credit card balances. Repairing your credit would allow you to get a more competitive interest rate and cut back on the money you pay in interest.

  • 2

    Stop Paying High Security Deposits

    Utility service providers and even phone companies check your credit before allowing you to establish service. To offset the risk of a default, those service providers charge you a deposit. Making your payments on time will allow you to get your deposit back. Improving your credit score keeps you from having to pay the deposit altogether.

  • 3

    Get a Lower Insurance Rate

    Believe it or not, your credit affects your insurance premiums. This includes auto, life, and home insurance. A bad credit history means you’ll pay more for insurance than you would if you had better credit.

  • 4

    Stop Paying Cash for Everything

    If you have bad credit, you’ll have a hard time getting a credit card, which means you’ll end up paying cash for everything. It may not be a nuisance until you need to do something like renting a car, where you have to pay an extra deposit if you don’t use a credit card.

  • 5

    Get a Higher Credit Limit

    Generally, as you demonstrate you can pay your bill on time, your creditors will increase your credit limit. But, a credit card issuer will check your credit score before increasing your credit limit. A bad credit history might get your credit limit cut hurting your credit score even more by raising your credit utilization.

  • 6

    Stop Debt Collector Harassment

    Repairing your credit includes paying off those debt collection accounts. Until you do, you face relentless calls and letters from debt collectors. While you can take action to stop debt collector calls, collection accounts often move from one debt collector to another. When a new collector gets your debt, you’ll have to go through the process of sending letters to stop the calls all over again.

  • 7

    Feel Better About Your Credit Score

    After you repair your credit, you won’t have to be afraid of checking your credit score or worse, having someone else check it. You can have confidence knowing you have a healthy credit score.

  • 8

    Buy a New House

    Homeownership has always been the American Dream. Bad credit is the nightmare that keeps you from realizing that dream. Many banks won’t lend you a mortgage until you’ve repaired your credit. Those that will approve you with a high interest rate that makes home ownership cost a lot more.

  • 9

    Rent an Apartment

    Not only can bad credit keep you from buying a home, it can also keep you from renting an apartment. Many landlords now check credit to determine the likelihood that you’ll be late on your rent. Bad credit could get your rental application denied.

  • 10

    Buy a New (Or Newer) Car

    Auto lenders are among the many businesses that check your credit before lending to you. Without a good credit score, your auto loan application could be denied leaving you to drive the same vehicle.

  • 11

    Get a Job

    Employers check credit before deciding to hire you. Some government, financial, management, and executive jobs are particularly curious about your financial history. A bad credit history could cost you the job, or the promotion you’ve been working hard to get.

  • 12

    Take Some Financial Pressure off Your Spouse

    When one spouse has better credit than the other, the spouse with good credit will be the one applying for the loans and credit cards. Improving your credit will let you bear some of the credit-brunt rather than placing it entirely on your spouse.

  • 13

    Stop Relying on Co-Signers

    When you have bad credit, you’ll often need others to co-sign for your loans and credit cards. If you can find someone to co-sign, you’re putting financial pressure on them but they don’t receive any of the benefits. Repairing your credit will save you the time and hassle of burdening someone else with co-signatures.

  • 14

    Start Your Own Business

    Starting a new business takes money, so many entrepreneurs rely on small business loans to get their businesses off the ground. Bad credit can keep you from getting the financing you need to start your new business. You’ll have to improve your credit before a bank will give you a loan.

  • 15

    Protect Your Children’s Credit

    Having bad credit can tempt you to use your child’s credit. You might think you’d never do that but you never know what you’ll do when you’re desperate. Say you have to have electricity turned on, but your credit’s too bad. You could easily rationalize using your child’s credit to have the electricity turned on. Keep your own good credit and you won’t think about exploiting your child’s.

Get a Free Credit Analysis Today!

No cost, no obligation—just expert insights to boost your score!

What affects your Credit Score?

We will help you to dispute negative items in your payment history.

Dispute Negative Items

We help remove inaccuracies from your payment history to boost your credit score.

Optimize Your Debt Ratio

Learn how to improve your score even if paying off credit cards isn’t an option.

Remove Unauthorized Inquiries

We assist in eliminating credit inquiries that may be lowering your score.

Correct Credit Report Errors

The average credit score difference across bureaus is 60 points due to inconsistent reporting.

Ensure Full Compliance

Nearly 80% of credit reports have errors; we make sure yours is accurate.

100% Money-Back Guarantee

If we don’t remove at least 25% of negative items, you get a full refund!

How to Improve Your Credit Score

While Repairing Your Credit

Taking the right steps alongside our credit dispute process can help you achieve faster and more effective results.

Here are key actions you can take to boost your credit score:

​Information that cannot be in a credit report:

Medical information (unless you provide consent)

Notice of bankruptcy (Chapter 11) more than ten years old

Debts (including delinquent child support payments) more than seven years old

Age, marital status, or race (if requested from a current or prospective employer)​

​​How long will certain items remain on my credit file?

  • Delinquencies (30- 180 days)

    A delinquency may remain on file for seven years; from the date of the initial missed payment.

  • Collection Accounts

    May remain seven years from the date of the initial missed payment that led to the collection (the original delinquency date). When a collection account is paid in full, it will be marked as a “paid collection” on the credit report.

  • Charge-off Accounts

    When a delinquent account is sent to a collections company. This will remain for seven years from the date of the initial missed payment that led to the charge-off (the original delinquency date), even if payments are later made on the charge-off account.

  • Closed Accounts

    Closed accounts are no longer available for further use and may or may not have a zero balance. Closed accounts with delinquencies remain for seven years from the date they are reported closed, whether closed by the creditor or by the consumer. However, the delinquency notation will be removed seven years after the delinquency occurred when pertaining to late payments. Positive closed accounts continue to be reported for ten years from the closing date.

  • Lost Credit Card

    If there are no delinquencies, credit cards reported as lost will continue to be listed for two years from the date the creditor is contacted. Delinquent payments that occurred before the card was lost are reported for seven years.

  • Bankruptcy

    Chapters 7, 11, and 12 will remain on one’s credit report for ten years from the filing date. A Chapter 13 bankruptcy is reported for seven years from the filing date. Accounts included in a bankruptcy will remain for seven years from the date reported as included in the bankruptcy

  • Judgments

    Remain seven years from the date filed.

  • City, County, State, and Federal Tax Liens

    Unpaid tax liens remain for fifteen years from the filing date. A paid tax lien will remain on one’s score for 10 years from the date of payment.​

  • Inquiries

    Most inquiries listed on one’s credit report will remain for two years. All inquiries must remain for a minimum of one year from the date the inquiry was made. Some inquiries, such as employment or pre-approved offers of credit, will show only on a personal credit report pulled by you.​

Getting Started

Easy As 1-2-3

Step 1

Schedule a FREE Consultation

Schedule a FREE Consultation with our credit specialists.

Step 2

We analyze your credit report

We analyze your credit report and create a custom action plan.

Step 3

We start boosting your score

We start working immediately to boost your credit score!

Bad Credit Will Cost You Thousands

Late Payment Removal

Late Payment Removal

Remove past-due payments from your credit history to improve your creditworthiness.

Track your present

Track your present

Easy access to your account 24/7 for live status updates on improvements on your credit reports and scores.​

Change your future

Change your future

We’ll maximize your score so you can achieve your goals and learn how to maintain your awesome credit long after our work is done.​

Take Control of Your Credit Score Today!

Discover errors, dispute negative items, and improve your credit with expert help.

Frequently Asked Questions

Please refer to the Refund and Cancellation Policy at the bottom of our website for more info. 

Every client will need to book a FREE consultation to get started to have their client evaluated, so that a credit consultant can deliver a FREE credit analysis report and quote. Book your FREE consultation now or call 747-296-8185.

Our clients have seen results as fast at 14 days after the correspondence has been finished and been sent out to all the credit bureaus.

Credit Repair Service:

Our credit repair service comes with an initial work fee of $349. Additionally, a $30 fee applies for each negative item successfully removed from your credit report. The $30 fee is only charged once the negative item is removed.

Click here to learn more and sign up!

Hard Inquiry Removal Service:

We offer 24-hour Experian hard inquiry removal + free disputes for Equifax and TransUnion for a one-time fee of $345.

Click here to learn more and sign up!

18+ years of Experience + Knowledge + Dedication which Equuleus Results.  We are the best when it comes to utilizing the loop holes in the Fair Credit Reporting Act when it comes down to seeing if a negative mark on your credit is timely, accurate and verifiable all at the same time. We are trusted by thousands of happy customers.

We will guide you through the process from start to finish and prepare all your documents for you. We have a superb knowledge of credit scoring and experience working with creditors and credit bureaus. It may be difficult for an individual to communicate with creditors and bureaus without an adept understanding of their techniques and regulations in place for credit reporting. We have spent a great deal of time learning the laws that will help you to remove negative information on your report, which enables us to offer you a flawless, money back guarantee system.

Items cannot come back as long as the item is current or paid at the time of removal or if the collection is older than three years. This holds true except in very rare circumstances.

With our assistance and document processing, our clients have had great success with bankruptcies, foreclosures, collections, charge-offs, repossessions, medical bills, credit card debt, inquiries, late payments, old addresses, judgments, tax liens and student loans.

We work with all major credit bureaus.