Actual Deletions

Are you looking for a company that will ACTUALLY remove negative items and are willing to put their money where their mouth is?

No Monthly Fees EVER

Once enrolled we ONLY charge when items are deleted, no monthly fees!!!

CROA Compliant

We are proud to be compliant with the “Credit Repair Organizations Act”

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The Country’s Best Pay After Deletion Credit Repair Service!

Pay Only For Actual Results

Once enrolled, we ONLY charge when and if item(s) are actually repaired or deleted from your credit report.

No Conflict Of Interests

We both want deletions, no longer do you have to deal with a company that gets paid more when they fail. We only get paid when we get you deletions!

Know Your Max Costs Upfront

Easy to determine total pricing, just count items needing deletion/repair and calculate using cost per item fees provided.

No More Monthly Fees

No more will you have to pay endless monthly fees without knowing if you will ever see any results.


When you start the enrollment process the first thing we do is a complete detailed review of your entire credit report, during this review we are seeking opportunities to either repair and/or delete items from your credit report.


Once we determine what repair/deletion opportunities are available our team strategizes to determine the most aggressive deletion or repair strategies and tactics to employ throughout your project.


At the end of each cycle we review our results to determine what was repaired or deleted as well as what remains. The remaining items are once again put through this 3 step process taking into account what strategies worked? and what didn’t? What was the response we received? What may have changed during the last cycle?

Pay After Deletion Credit Repair Services

We offer credit repair services on a pay after deletion basis to all Agate Bay, Washington residents

Credit Repair company serves the following zip code(s):


Pay after Deletion means just that, once you are enrolled you only pay when and if items are ACTUALLY deleted from your credit report.

  • No more never ending MONTHLY fees
  • No more wondering if your credit restoration company is actually doing any work, if we don’t work we don’t get paid
  • No more having to quit after 6-9 months because nothing seems to be happening
  • 100% compliant with “Credit Repair Organizations Act” CROA
  • Over 15 years of experience
  • Most items $35 Per Deletion – Paid AFTER They have been deleted

Call Us Today For Full Details


  • Credit Repair near me or not will still work, What we don’t know is the When! Don’t let any other companies tell you otherwise

  • Slow, quick, fast credit repair? We won’t lie, it can take some time. Other companies just won’t tell you

  • The best credit repair companies are okay offering pay after deletion options because they know items will be deleted

  • Monthly credit repair services hate us, we expose them

  • Full Credit restoration means everything deleted, not just some items

  • A credit restoration company / agency will know this

  • Credit repair no money upfront means no money today, but everyone will charge something. We just don’t try to hide it like the others.

  • Monthly fees to repair credit is risky, especially when you find out how long it really takes

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Depending on your existing credit scenario, you may be best served by a credit repair company specializing exclusively in credit report repair work or one that can likewise offer a full brochure of credit repair services. The Credit Repair Organizations Act is developed to protect you from credit repair frauds. Unfortunately, credit repair work is an industry that has actually gotten a bad track record due to the fact that of the publicity paid for to credit repair work frauds.

An easy way to do this is to understand a few of the laws that govern credit repair work business. These laws as defined in the Credit Repair Work Organizations Act were developed to safeguard you from credit repair frauds while likewise protecting your right to get assist with repairing your credit reports.

In a common credit repair rip-off, the so called credit repair work business charges a large in advance charge (lots of hundreds or perhaps thousands of dollars) for service. This allows them to gather their money, prevent carrying out the concurred upon credit repair work, and vanish when too numerous people start complaining. Under the Credit Repair Work Organizations Act, credit repair work business are just allowed to expense for services after they have been carried out.

The 2nd law you must understand about addresses another common credit repair work rip-off understood as file segregation. File segregation is the highly illegal procedure of developing a new credit identity with the credit bureaus. This new clean credit identity is then used when obtaining credit due to the fact that it does not consist of any of the questionable items on your real credit reports.

Some extra standards described in the Credit Repair work Organizations Act make it illegal for any credit repair work business to guarantee your credit report will increase, to not inform you that you deserve to repair your credit on your own, and to not allow you to cancel service whenever you desire.

The BBB keeps notes on complaints made versus companies. If the BBB report for a credit repair work company notes numerous unsettled complaints or an overall low ranking, you need to watch out for the company. In addition, beware of any credit repair business that does not list credit repair services as one of their offerings in their BBB filing.

There’s absolutely nothing a credit repair service can lawfully provide for you even eliminating incorrect information that you can’t do for yourself for little or no expense. And the expense of working with such a business can be significant, ranging from hundreds to thousands of dollars. The Credit Repair Work Organizations Act is a federal law that ended up being effective on April 1, 1997 in reaction to a variety of consumers who had experienced credit repair frauds.

Are required to supply consumers with a composed agreement stating all the services to be supplied as well as the terms of payment. Under the law, consumers have 3 days to withdraw from the contract. Are prohibited to ask or recommend that you misguide credit reporting companies about your charge account or alter your identity to change your credit history.

Can not ask you to sign anything that states that you are forfeiting your rights under the Credit Repair Work Organizations Act. Any waiver that you sign can not be enforced. There is no quick fix for your credit. Info that is unfavorable but accurate (such as late payments and delinquencies) will stay on your credit report for 7-10 years.

To get a much better understanding of your credit image and what loan providers can see, inspect your credit report. If you require help reading your report, you can learn more about how to read your Experian credit report. If you wish to discover more about credit reports in general, you can check out credit report fundamentals. If you find details that is inaccurate, you can file a disagreement.

Make certain you’re clear on products that might possibly be fraudulent, versus those that might simply be incorrect. Your payment history is one of the most crucial parts of many FICO scoring models. Late and missed out on payments will minimize your ratings, and public records and collections can cause significant damage.

Your scores frequently consider the size and recency of your financial obligation. The larger your debt is and the more current your missed payments are, the worse your score will be. Bringing accounts present and continuing to pay on time will often have a positive influence on your credit report.

Generally it’s the amount of all of your revolving debt (such as your charge card balances) divided by the total credit that is offered to you (or the total of all your credit line). High credit usage rate can negatively impact your credit history. Usually, it’s a great idea to keep your credit usage rate below 30%.

There are two ways to lower your credit usage rate: Lower your financial obligation by paying off your account balances. Increase your overall offered credit by raising your credit line on an existing account or opening a brand-new credit account. While increasing your credit line might appear like an enticing option, it can be a dangerous relocation.

Furthermore, if you attempt to open a brand-new charge card, an query will appear on your credit report and momentarily lower your credit history. Decreasing your balances on charge card and other revolving credit accounts is most likely the much better option to improve your credit utilization rate, and, consequently, your credit scores.

Scoring models consider how much you owe and across how numerous various accounts. If you have financial obligation throughout a a great deal of accounts, it might be beneficial to pay off some of the accounts, if you can. Paying for your financial obligation is the goal of numerous who have actually accumulated debt in the past, however even after you pay the balance to no, think about keeping that account open.

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