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 Barham, 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 current credit situation, you might be finest served by a credit repair work company specializing solely in credit report repair work or one that can likewise offer a complete brochure of credit repair services. The Credit Repair Organizations Act is created to safeguard you from credit repair work frauds. Unfortunately, credit repair is an industry that has actually received a bad credibility because of the promotion paid for to credit repair frauds.

A simple way to do this is to know a few of the laws that govern credit repair work business. These laws as specified in the Credit Repair Organizations Act were designed to protect you from credit repair scams while also protecting your right to get assist with fixing your credit reports.

In a common credit repair fraud, the so called credit repair work company charges a large upfront fee (numerous hundreds and even thousands of dollars) for service. This permits them to gather their cash, prevent carrying out the concurred upon credit repair work, and vanish when too many individuals start grumbling. Under the Credit Repair Organizations Act, credit repair work companies are only allowed to expense for services after they have actually been carried out.

The 2nd law you should understand about addresses another common credit repair rip-off referred to as file segregation. File segregation is the highly prohibited procedure of creating a new credit identity with the credit bureaus. This brand-new clean credit identity is then utilized when getting credit due to the fact that it does not consist of any of the questionable items on your real credit reports.

Some extra guidelines described in the Credit Repair Organizations Act make it prohibited for any credit repair work business to promise your credit score will increase, to not notify you that you can fix your credit on your own, and to not permit you to cancel service whenever you want.

The BBB keeps notes on complaints made against companies. If the BBB report for a credit repair company lists several unresolved complaints or an overall low rating, you should watch out for the company. In addition, beware of any credit repair work company that does not list credit repair services as one of their offerings in their BBB filing.

There’s nothing a credit repair service can legally do for you even eliminating incorrect details that you can’t do for yourself for little or no expenditure. And the expense of hiring such a business can be considerable, ranging from hundreds to countless dollars. The Credit Repair Work Organizations Act is a federal law that became effective on April 1, 1997 in response to a variety of consumers who had actually suffered from credit repair work scams.

Are needed to provide consumers with a written agreement stating all the services to be offered as well as the terms of payment. Under the law, consumers have 3 days to withdraw from the agreement. Are prohibited to ask or suggest that you misinform credit reporting business about your charge account or change your identity to change your credit report.

Can not ask you to sign anything that states that you are surrendering your rights under the Credit Repair Work Organizations Act. Any waiver that you sign can not be imposed. There is no fast repair for your credit. Details that is negative however precise (such as late payments and delinquencies) will remain on your credit report for 7-10 years.

To get a much better understanding of your credit photo and what lenders can see, inspect your credit report. If you need assistance reading your report, you can find out more about how to read your Experian credit report. If you wish to find out more about credit reports in basic, you can check out credit report fundamentals. If you find info that is incorrect, you can file a dispute.

Make sure you’re clear on products that could possibly be fraudulent, versus those that might simply be unreliable. Your payment history is one of the most important components of numerous FICO scoring models. Late and missed out on payments will reduce your scores, and public records and collections can trigger significant damage.

Your scores frequently take into account the size and recency of your debt. The bigger your financial obligation is and the more current your missed out on payments are, the even worse your rating will be. Bringing accounts current and continuing to pay on time will almost constantly have a favorable effect on your credit report.

Essentially it’s the amount of all of your revolving financial obligation (such as your credit card balances) divided by the total credit that is available to you (or the total of all your credit line). High credit utilization rate can adversely impact your credit rating. Typically, it’s a good concept to keep your credit utilization rate below 30%.

There are 2 ways to minimize your credit usage rate: Lower your debt by paying off your account balances. Increase your overall available credit by raising your credit line on an existing account or opening a new charge account. While increasing your credit line may seem like an enticing option, it can be a dangerous relocation.

Furthermore, if you try to open a brand-new charge card, an query will appear on your credit report and temporarily lower your credit score. Lowering your balances on charge card and other revolving credit accounts is most likely the better option to enhance your credit utilization rate, and, consequently, your credit history.

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

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