Payment plans are available and can be split into 4 - 8 payments.
Results are guaranteed or you get your money back.
Add a spouse for a 25% discount
PRICES
Why don’t we offer monthly subscriptions like most other companies?
This is the number one question and the simple answer is we are not trying to keep you with us for that long! We want to sign you up, remove the accounts you pay us to remove, and set you free.
Most credit repair companies will charge a monthly subscription and remove 1-2 accounts at a time, enough for you to see some results and continue to pay for the monthly service fee.
That is why we charge a one-time fee. Which can be paid in monthly payments but it’s not a subscription. The payments end once the balance is paid in full and we continue to work on your credit until we remove everything we quoted you on.
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Charge Off
Collectible debt by a reporting firm that will be written off. The debt is only written off if assumed collectible. It's classified as 'bad debt expense' on the statement of income and will be removed from any balance sheet.
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Collections
A shift of past-due and delinquent accounts to a department or collection agency. They have the task to fully or partially recover lent funds.
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Repossessions
A process in which the lender or their agent takes back any items bought on credit or if pledged as collateral for a loan. The loan is generally from a borrower that has failed to pay their loan payments on time.
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Student Loans
This loan helps students pay for books, living expenses, and college tuition. The difference between this loan and other loans is the significantly lower interest rate. The time for repayment is also deferred when the student is still attending school.
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Bankruptcy
The ability for people and failing businesses to start fresh and obtain repayment measures based on the assets they have left. It allows businesses to get another chance by paying off debts and satisfying creditors.
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Tax Liens
A county, state, or federal government can possess your property if you fail to pay your property taxes or income taxes. It can affect your credit scores and may remain there for seven years.
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Judgments
Where you have to pay a certain amount of money to someone who filed a lawsuit of some kind against you. It is court-ordered. Judgments are made against you when you lose the lawsuit from a creditor, debt collector, lender, attorney, or some other party. It goes on your credit report and stays there for seven years from the date the lawsuit was filed.
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Foreclosures
The worst kind of credit report entries and will likely affect future ability to get loans and credit cards. Foreclosures are legal ways where the bank can possess or mortgage property when the buyer fails to meet his or her contractual obligations. The most common cause is a failure to send payments on time or fail to send any payments. Once you enter foreclosure, it stays on your credit report for up to seven years.
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Inquiries
An inquiry is added to your report of someone who checks your credit information. An inquiry is divided into categories: "soft inquiries" occur when your credit is checked for a variety of reasons and "hard inquiries" occur when a business looks at your credit record for the goal of an application. For example, if you apply for a new credit card, a hard inquiry would appear on your credit record and could impact your credit. Anytime you check your credit record, or if it is checked for a marketing purpose, it is a soft inquiry. A soft inquiry does not affect your credit score.
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Child Support
A court-ordered type of support where one spouse pays the other who has custody of the children after any separation or divorce.