Credit Score Improvement

Your credit score determines what you pay for everything from a car loan to a mortgage rate, yet most people have never had someone actually explain what's suppressing theirs. We start every credit score improvement plan with a full three bureau review, so we can tell you specifically what's holding your score back rather than handing you a generic checklist.

• Full review of your Equifax, Experian, and TransUnion reports
• Identification of inaccurate, outdated, or unverifiable items
• A prioritized plan based on what's actually moving your score
• Ongoing monitoring so you can see changes as they happen

Payment history and credit utilization make up nearly two thirds of your FICO score, so that's where we look first. Many clients are surprised to learn that a single reporting error, an account that isn't theirs, or a balance that was never updated after being paid off can be quietly suppressing their score by dozens of points.

Once we've identified what's fixable, we handle the correspondence with the bureaus and creditors on your behalf: filing disputes under the Fair Credit Reporting Act, following up when investigations stall, and sending goodwill requests where appropriate. You'll get copies of your report as your file changes, so you can see exactly what happened and why.

No legitimate credit repair company can guarantee a specific number of points or a specific timeline. Every file is different, and results depend on what's actually in your report. What we can promise is a thorough review, an honest assessment of what's worth challenging, and consistent follow through so nothing fixable gets left on your report simply because the process was too tedious to finish yourself.

Every credit file is different, so our pricing is custom. After a free consultation, we give you a straightforward estimate for credit score help before anything begins, and payment plans are available. If you want to know what is typical across the industry first, read our guide to how much credit repair costs.

The easiest way to start is a short survey about your biggest concern: start your free consultation, or call (754) 243-3020. Consultations are by video call or phone, in English or Spanish.

• How to Improve Your Credit Score: Step-by-Step
• How to Remove a Late Payment From Your Credit Report
• How Much Does Credit Repair Cost?