We have been helping consumers with their credit repair needs since 1996. As one of the oldest and most respected firms in the United States, we have learned what works in this industry and use that experience to help our clients get their loans.

We offer payment schedules as low as $39 to make credit repair affordable to everyone. We only know how to repair credit one way…the right way. You get our best work no matter what payment schedule you choose. You will never have to make the choice between quality work and affordable pricing. Here, you get both.

When your financial dreams have been placed on hold due to a credit rejection, you need to fix the situation as soon as possible. Our proven methods can overcome your difficult issues, and establish needed credit. Whether it's contacting a credit bureau, a reporting creditor, or helping you understand how your score is calculated, the accumulative impact is impressive. We work on your credit scores from both sides to provide the most effective, speedy solution.
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We have been an accredited BBB member since June 2001 and are registered with the Secretary of State. We know trust takes years to build, and only minutes to destroy. Additionally, we bring full accountability to our clients by providing online case access. By simply logging in, you will know what your case progress is any time of day or night.

As our client, you will have direct communication with your experienced Case Advisor. This is the individual actually working your case, not a message-taking "customer service agent" who doesn't know you from Adam. Our customers get to know their Case Advisors and vise-versa. Clients are not just customers; our Advisors often get to know their clients as you would a friend. They want to know your goals. They want to help you get there…and hearing that you "just closed on your new home" makes their day.

You will be 100% satisfied with our service or at anytime we will roll the clock back and refund you any monthly service fees paid during the previous 60-day period. This allows you to test-drive our service without risk.

Once we receive your credit reports, they will go to Data Entry where they will be entered into our client management system.

Immediately after data entry, you will receive a notice that you can log in, see your accounts, and add any explanatory "notes" to your accounts or select from the list of common explanations.

Following review of your accounts, your Case Advisor will prepare interventions to the credit bureaus on your behalf, based upon your notes and/or other errors that are detected.

After through review of the facts of your case, the supervisor that oversees your case will contact you to map a course of action tailored to your situation taking into account the number of issues, types of issues, available credit, and goals you've selected.

If your Senior Case Advisor determines that you need additional credit to help improve your score, he/she will explain why and how to go about adding positive credit.

The credit bureaus have up to 45 days to respond to our interventions. You'll see a date when you log in to view "My Issues." This is the date WE expect to receive the credit bureau responses from YOU.

Based on your service schedule, your case will then be cued to be worked. When your case is worked, the online UpMyScore console will be updated to reflect changes in your reports.

Once all issues have been addressed, secondary interventions will be sent on your behalf on all issues not responded to, and issues that were not resolved.

Escalated interventions will be prepared for stubborn issues that remain. This may also include additional supporting documentation if available.

Using our proprietary software to analyze any outstanding debts, we can determine which are most important to resolve. If you desire, we will contact creditors to settle outstanding legitimate debts that remain to further improve your situation. Settlement offers require a separate fee and are based on a percentage of the amount of money we can save you by settling for the least amount.