Many of your life's biggest decisions will involve credit. Don't get caught unprepared.
Don't allow errors on your credit to stop you from getting the home of your dreams.
Don't get denied for an auto loan due to credit errors. Your dream car awaits.
Reduce your stress. Reach your financial goals you've been aiming for!
Your chances of finding a great job with errored credit aren't as good. Fair? No. Reality? Yes!
Better interest rates. Errors may lower your score, such as debt that you don't owe.
Healthy credit? Better credit card approval odds. You'll get top tier rates & the best terms.
According to a study by the U.S. PIRGs, 79% of credit reports contain mistakes or serious errors.
No obligations. Cancel anytime.
Phone consultation to ensure our services will benefit your unique situation, and not waste your time!
Signing up takes minutes; we only need a few pieces of info and a credit report from each Bureau to start.
We go after creditors and Bureaus on your behalf, handling all intricate paperwork and document processing.
What you don’t deserve is to be penalized for years and years because of financial mistakes made in the past. Your credit doesn’t have to hold you back forever, and the debt that comes along with it doesn’t have to be scary and stressful. Every month we help thousands of clients in and around New York (all of the boroughs–Manhattan, Brooklyn, Queens, Bronx, and Staten Island) get their credit repaired and debts taken care of so they can get the job, car, house, credit cards, they need to get on with their life. We’re big believers in second chances, and we’re prepared to work hard so you and your family can live the lifestyle you’re working hard to achieve.
We've helped thousands of people remove errors from their report to get mortgages, auto loans, and so much more.
We offer two benefits to our clients. The first and primary benefit of joining our program is that we create and send specialized disputes on your behalf that are targeted to remove your specific negative items. Most consumers can get the loans they need by having a clean credit report. The second benefit is that we’ll help you build positive credit history if you have a lack of it. These two services combine to help you get qualified for the money you need.
This is the most frequent question we get, and unfortunately there’s no straight-forward answer to it. The reason there’s no clear answer is because it’s entirely dependent upon the companies that own your debt (creditors and collection agencies) and how they deal with our disputes internally. There are tens of thousands of these companies and each one is run differently from the next. While the ones that own your specific debt may respond positively to our disputes resulting in the item being removed 30-45 days, others can take longer.
The most common items we're able to help with are collections & charge offs (loans, student, medical, credit cards, utility bills, phone bills, and anything else belonging to a collection agency), public records (bankruptcies 7 & 13, judgements, tax liens state & federal), late payments, child support, repossessions, foreclosures, inquiries, personal information, and more. Over the years we have deleted every type of negative item imaginable.
We dispute with the major 3 Bureaus: TransUnion, Equifax, Experian.
When you go to a lender seeking a loan they pull your credit reports to help them make an educated decision on if they should give you money. The information on your credit report is bought by these lenders from the Bureaus. Just like you pay a monthly fee to subscribe to Netflix to watch your favorite shows, lenders pay a monthly fee to subscribe to TransUnion, Equifax, and Experian to pull your credit reports.
It is 100% legal. The FCRA and FTC grant you, the consumer, the right to challenge all items on your credit report. We’ve helped our clientele qualify for home loans, car loans, credit cards, jobs, and more, since 2001, and there are hundreds of reviews online about our service. We operate under the Credit Repair Organizations Act (CROA) and adhere to all guidelines therein.
If you're unhappy with us for any reason within the first 90 days, we'll give you a full refund, no questions asked.
FICO scores are included in the reports that lenders get from the Bureaus. A FICO score uses a proprietary algorithm (created by a company called FICO) that generates a score based on all of the items on your report. It’s a way for lenders to get a quick idea of how big of a risk you are to loan money to without having to go through all your reports line by line. Keep in mind that there’s not just a single FICO score; there are many FICO versions that are all slightly different. On top of that, each Bureau has their own slightly modified versions. Just be aware that you may get FICO scores from different companies that are slightly different.
The majority of our clientele come from the greater New York City area: Manhattan, Bronx, Brooklyn, Queens, Staten Island, Long Island, Jersey City, Newark, et al. We provide in-person audits at our office: 234 5th Ave #200, New York, NY 10001. To schedule an appointment please call (212) 658-1116, 8am-5pm EST.
Once signed up, send us an email to firstname.lastname@example.org and we’ll make sure it’s applied. If you’re being referred by a mortgage broker or other business, we need the name of the person who provided you with the code as well.
Reclaim your financial freedom and speak with a live credit specialist for your free consultation.