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Credit Repair Services

Let us start removing your negative items and start Rebuilding Credit today!

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REPAIR, REBUILD AND RELAX...

Credit360 Credit Repair is the company that puts our money where our mouth is and only charges a fee when items are deleted, removed, or repaired from your credit report. With our 360 Repair, Rebuild, and Relax Credit Repair Program you will no longer have to use other expensive credit repair companies that charge monthly and don’t even produce results. We are so confident in our advanced disputing tactics that we will allow you to pay for your deletions after you actually see our results and we even give you a 100% money back guarantee to back it up just so you can relax.

We Have Removed

Third-Party Collections

When an account is sent to a collection agency, it’s noted on your credit report as a delinquent account. This can severely lower your credit score, as it indicates a failure to pay debts.

Debt Buyer Collections

Debt buyers purchase delinquent accounts from creditors and attempt to collect the debt. These accounts appear on your credit report as collection items, further damaging your credit score.

Tax Liens

Although no longer included on credit reports, unpaid tax liens previously had a significant negative impact on credit scores by showing a failure to pay taxes owed to the government.

Medical Collections

Medical debts sent to collections can lower your credit score, but newer credit models may weigh these less heavily than other types of collections, especially if paid off.

Charge-Offs

When a creditor deems a debt uncollectible, it’s marked as a charge-off on your credit report. This is a major derogatory mark that can significantly lower your credit score.

Broken Leases

Failing to fulfill a lease agreement can result in the landlord reporting the unpaid balance to collections, negatively impacting your credit report and score.

Repossessions

Repossession of a vehicle or property indicates a failure to repay a secured loan. This results in a major derogatory mark on your credit report, leading to a significant drop in your credit score.

Judgments

Legal judgments for unpaid debts used to appear on credit reports, heavily impacting credit scores. While they no longer show up, they can still lead to wage garnishments or bank levies.

Foreclosures

A foreclosure occurs when a mortgage lender takes possession of a property due to nonpayment. This stays on your credit report for up to seven years and drastically lowers your credit score.

Bankruptcies

Filing for bankruptcy can stay on your credit report for 7-10 years, depending on the type. It’s one of the most damaging items to your credit score, but it also offers a fresh start by discharging certain debts.

Identity Fraud

Fraudulent accounts opened in your name can harm your credit score if not disputed and removed promptly. Identity theft can lead to multiple negative marks, making it crucial to monitor your credit regularly.

Inaccurate Names

Incorrect names on your credit report can be a sign of mixed files or identity theft, leading to erroneous information affecting your credit score. Correcting these inaccuracies is essential for maintaining a clean credit history.

Fast Track your Journey to Better Credit

Transparent and Affordable Services: No Hidden Fees, Just Results You Can Trust. Dedicated Support from Credit Specialists: We’re Here to Answer Your Questions and Provide Guidance.
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How Our Process Works?

Fast Track Your Journey to Better Credit: Our Efficient Process Gets Results Quickly.

Our process involves analyzing your credit report, creating a tailored action plan, disputing inaccuracies, and monitoring progress to ensure lasting results.

Frequently Asked Questions

01.

Credit Report Analysis

Thoroughly review and analyze your credit reports to identify errors, inaccuracies, and areas for improvement.
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02.

Creating Action Plan

Develop a personalized action plan based on your credit analysis to address negative items and improve your credit score.
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03.

Disputing Inaccuracies

Actively dispute inaccuracies and errors on your credit report to ensure all information is accurate and up-to-date.
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04.

Monitoring the Progress

Continuously monitor your credit reports to track progress, adjust strategies, and ensure that positive changes are reflected over time.
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FREE Consultation

Let us start removing your negative items and start Rebuilding Credit today!
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Is Bad Credit Holding You Back?

You might think bad credit only keeps you from getting a credit card or loan, but it goes further than that. Bad credit can leave you homeless, carless, and jobless. That’s because more and more businesses are using your credit to make decisions about you. Still not convinced it’s time to get your credit act together?

Avoiding Having to pay cash for Everything

If you have bad credit, you’ll have a hard time getting credit cards, which means you’ll end up paying cash for everything. It may not be a nuisance until you need to do something like renting a car and you will have to pay an extra deposit if you don’t because you don’t have a credit card.

Be able to obtain higher credit limits

Generally, as you demonstrate you can pay your bills on time, your creditors will increase your credit limits. Always remember, a credit card issuer will check your credit score before increasing your credit limit. A bad credit history could even lead to getting your credit limits cut which would hurt your credit score even more by raising your credit utilization.

Stop debt collector harassment

Repairing your credit includes paying off those debt collection accounts. Until you do, you face relentless calls and letters from debt collectors. While you can take action to stop debt collector calls, collection accounts often move from one debt collector to another. When a new collector gets your debt, you’ll have to go through the process of sending letters to stop the calls all over again.

Make renting an apartment easier

Not only can bad credit keep you from buying a home, it can also keep you from renting an apartment. Many landlords now check credit to determine the likelihood that you’ll be late on your rent. Bad credit could get your rental application denied.

Allow you to purchase a home with a low interest rate

Home-ownership has always been the American Dream. Bad credit is the nightmare that keeps you from realizing that dream. Many banks won’t finance a mortgage until you’ve repaired your credit and those that will approve you with poor credit will charge you a significantly higher interest rate.

Lite Plan

  • Corporate documentation review
  • Determine scope of business strength
  • Establishing a business credit file with Dunn & Bradstreet

$180

Enroll Now

Pro Plan

  • Establishing a business credit file with Equifax
  • Building of PAYDEX and Intelliscore
  • Funding Advisor for a guided approach

$360

Enroll Now

Enterprise Plan

  • Verify and dispute late or derogatory payments
  • Access to Vendor Lines of Credit
  • Access to Vendor Lines of Credit

$720

Enroll Now

Feature

Length of Program

Credit Repair

Dispute Processing

Dispute History

Dispute Rounds

Credit Coaching

Credit Monitoring

Debt Negotiation

Account Management

30 to 45 Day Round Updates

Payment Plan

Deletion Fees

Enrollment Cost

A

Prepare, Protect, and Prosper $180 + Deletion Fees

4 Month Program

Basic credit repair services for minor credit issues

Limited dispute processing for selected accounts

Disputes for credit issues up to 2 year of history

Disputes with 3 credit bureau per round. (Only 5 items per dispute)

Not included

Not included but required ($19.95)

Not included

General customer support only when rounds are processed

Receive round updates every 45 days.

$180 one-time payment for 4 months of service

$0 Free for Personal Information

$0 - Free for Inquiries

- $50 per deleted Collection or Charge-Off item.

$75 per deleted Repossession or Foreclosure

$100 per deleted Judgment, Bankruptcy, or Child Support

$180 + Deletion Fees

Enroll Now

B

Repair, Rebuild, and Relax $360 + Deletions Fees

12 Month Program

Credit repair services for moderate to major credit issues

Standard dispute processing

Disputes for credit issues up to 2 years of history

Disputes with all 3 credit bureaus with 3 letters mailed per round

Two personalized one on one credit coaching sessions

Not included but required ($19.95)

Basic advice on debt settlement

General customer support anytime

Receive round updates every 37 days

$180 at enrollment, final $180 payment in 30 days for 12 months of service.

$0 Free for Personal Information

$0 - Free for Inquiries

- $50 per deleted Collection or Charge-Off item.

$75 per deleted Repossession or Foreclosure

$100 per deleted Judgment, Bankruptcy, or Child Support

$360 + Deletion Fees

Enroll Now

C

Dispute, Develop, and Dominate $720 + Deletion Fees

8 Month Program

Full-service VIP credit repair services for moderate to major credit issues but faster

Priority dispute processing with faster results with discounted deletion fees

Disputes for credit issues up to 7 years of history

Detailed Metro 2 Disputes with all 3 credit bureaus with 6 dispute letters mailed per round

Four personalized one-on-one coaching sessions.

Premium credit required - which includes 7 year history vs 2 years and contains more data points ($21.95)

Comprehensive debt strategies with VIP support for settlements or payment plans

Dedicated VIP account manager for personalized service and consistent updates

Receive detailed and prioritized round updates every 30 days with personalized analysis and recommendations

$360 due at enrollment, with two additional monthly payments of $180 for 8 months of service.

$0 Free for Personal Information

$0 - Free for Inquiries

$35 per deleted Collection or Charge-Off item.

$50 per deleted Repossession or Foreclosure

$75 per deleted Judgment, Bankruptcy, or Child Support

$720 + Deletion Fees

Enroll Now

Credit repair program highlights

  • Full Credit Audit Equifax, TransUnion, Experian
  • No Monthly Fees is More Affordable
  • Our Pricing Is Simple, Pay After Deletion
  • Advanced Tactic Disputes and Strategies
  • Comprehensive Credit Audit every 45 days
  • Personalized Strategy: Customized credit improvement plans.
  • Metro 2 Compliance Disputing: Leverage industry-standard disputing methods.
  • Factual Disputing: Use factual inaccuracies to challenge negative items.
  • FCRA Disputes: We challenge inaccurate, unverifiable, and untimely information under the Fair Credit Reporting Act (FCRA).
  • Referral Program: Receive a $25 credit toward deletion fees for each client you refer to us.

Just call and ask us “How Can I Fix My Credit?”

Credit Repair

See how we can help to improve your credit score.

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Business Credit

See how we can help to improve your credit score.

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  • LEARN TO MANAGE MONEY
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Building Smart Credit Solutions

  • Easy and Affordable Services
  • One-on-One Customer Service
  • Free Credit Consultation
  • 360′ Same-Day Service
  • No Risk Refund Policy
  • No-Hassle Cancelation
  • Unlimited Personal Disputes
  • Credit Coaches
Credit Repair
Business Credit

HELPING GOOD PEOPLE WITH BAD CREDIT

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Credit360 takes a full-circle approach to helping good people with bad credit be able to repair, rebuild and relax.

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