Clean your credit.Take back your power.Pay only when we get results.
We audit your report. We dispute to all 3 bureaus. You pay only per successful removal.
What we do for your credit
Three steps. No empty promises.
Line-by-line audit
We review every account and every inquiry across all 3 bureaus (Experian, Equifax, TransUnion). We identify what's disputable and what isn't.
Certified disputes
Certified mail to each bureau using FCRA and FDCPA legal frameworks. Full tracking of each dispute until resolution.
Pay per result
We only charge when a bureau confirms removal of an account or inquiry. No monthly fees. No lock-in contracts.
How it works
- 01
Free consultation
We schedule 30 minutes. We review your situation. We explain exact pricing. No commitment.
- 02
Professional audit
You upload your credit report (free at MyFreeScoreNow). We audit account by account, inquiry by inquiry.
- 03
Certified disputes
We send certified letters to Experian, Equifax and TransUnion with precise legal arguments.
- 04
Monthly tracking
Every 30-45 days bureaus respond. We send you WhatsApp updates with each removal.
- 05
Pay per removal
When a removal is confirmed, we send you the receipt and the corresponding charge. That's all.
Why clients choose us
No 12-month contracts
Cancel anytime.
No monthly ghost fees
You only pay per real result.
We serve SSN or ITIN clients
Your immigration status doesn't stop us.
Service in your language
Every explanation, every update.
Your rights. Our obligations.
We comply with the federal Credit Repair Organizations Act. You have the right to a written contract and to cancel within the first 3 federal business days.
We're registered as a Credit Service Organization in Florida. You have 5 days to cancel without penalty (more generous than federal). Active surety bond.
We're not a law firm. We are a legally registered credit service organization.
Clear pricing. No surprises.
You pay only when there are results. No monthly fees.
- VariableSetup feeQuoted per case · includes audit and first round
- $119Per account removedOnly when the bureau confirms the removal
- $19Per inquiry removedOnly when the bureau confirms the removal
What is the setup fee for?
The setup fee covers exclusively the operational costs of your case: professional audit of your report, research on each disputable account, and the first round of certified letters (USPS Certified Mail with tracking number) to all three bureaus. Many agencies skip this fee — their trade-off is generic template letters sent without certification. Those letters carry no legal weight and often go unanswered. We invest that operational cost into your case from day one.
No monthly fees · No 12-month lock-in contracts · Setup refundable within the first 5 days (Florida law)
Only have an ITIN?
We repair credit with ITIN too.
We have a dedicated guide for clients building credit history without an SSN in Florida.
Frequently asked questions
Each dispute cycle takes 30-45 days (that's the bureaus' legal response window). Most clients see significant results between 60 and 120 days.
A setup fee quoted per case + $119 per negative account removed + $19 per inquiry removed. Zero monthly fee. The setup fee is not a profit charge — it covers the real operational costs of your case: audit, research, and USPS Certified Mail with tracking. It's refundable within Florida's 5-day cancellation window. If there's no removal, there's no per-result charge.
By federal law (CROA), no one can guarantee specific results in credit repair. What we do guarantee is professional work, full transparency, and that we DON'T charge you if there's no result.
We dispute accounts that have errors, incomplete information, or that don't comply with FCRA regulations. We don't dispute debts that are 100% accurate and verifiable — that would be fraud.
We work with both. ITIN works for credit repair as long as you have credit reports associated with that tax ID.
If after 3 complete dispute cycles (90-120 days) there are no removals, we tell you honestly and stop charging. Your honesty about your situation upfront determines much of the success.
Ready to clean your credit?
Start with a free 30-minute consultation. No pressure. No commitment.