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 Capitol Hill, Washington residents

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

98109, 98108, 98104, 98107, 98106, 98101, 98103, 98102, 98105, 98154, 98122, 98121, 98126, 98125, 98178, 98174, 98177, 98144, 98146, 98195, 98199, 98118, 98119, 98116, 98117, 98115, 98112, 98164, 98134, 98136, 98133, 98111, 98113, 98114, 98124, 98127, 98129, 98139, 98141, 98145, 98161, 98165, 98170, 98175, 98181, 98185, 98191, 98194

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 circumstance, you might be best served by a credit repair work business specializing exclusively in credit report repair or one that can likewise offer a full brochure of credit repair services. The Credit Repair Organizations Act is developed to secure you from credit repair work frauds. Sadly, credit repair is an industry that has gotten a bad reputation because of the publicity managed to credit repair work rip-offs.

A simple method to do this is to know a few of the laws that govern credit repair work companies. These laws as specified in the Credit Repair Organizations Act were created to safeguard you from credit repair scams while likewise safeguarding your right to get aid with fixing your credit reports.

In a common credit repair work rip-off, the so called credit repair company charges a large upfront charge (lots of hundreds or even countless dollars) for service. This permits them to collect their money, prevent carrying out the agreed upon credit repair work, and vanish when too numerous people start grumbling. Under the Credit Repair Work Organizations Act, credit repair work business are just permitted to costs for services after they have actually been performed.

The second law you ought to learn about addresses another common credit repair work fraud known as file segregation. File partition is the extremely unlawful process of producing a brand-new credit identity with the credit bureaus. This brand-new clean credit identity is then utilized when requesting credit due to the fact that it does not include any of the questionable products on your genuine credit reports.

Some extra standards explained in the Credit Repair Organizations Act make it unlawful for any credit repair company to guarantee your credit rating will increase, to not notify you that you have the right to repair your credit by yourself, and to not allow you to cancel service whenever you desire.

The BBB keeps notes on grievances made against business. If the BBB report for a credit repair business notes several unresolved problems or a total low ranking, you ought to be wary of the company. In addition, beware of any credit repair company 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 do for you even getting rid of incorrect information that you can’t do for yourself for little or no cost. And the cost of employing such a company can be significant, varying from hundreds to countless dollars. The Credit Repair Work Organizations Act is a federal law that became reliable on April 1, 1997 in action to a variety of customers who had actually suffered from credit repair work scams.

Are needed to provide customers with a written agreement mentioning all the services to be supplied as well as the terms and conditions of payment. Under the law, consumers have three days to withdraw from the contract. Are forbidden to ask or suggest that you misguide credit reporting companies about your charge account or change your identity to change your credit rating.

Can not ask you to sign anything that states that you are forfeiting your rights under the Credit Repair Organizations Act. Any waiver that you sign can not be enforced. There is no quick repair for your credit. Information that is unfavorable but precise (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 lending institutions can see, examine your credit report. If you require aid reading your report, you can discover more about how to read your Experian credit report. If you wish to learn more about credit reports in general, you can check out credit report fundamentals. If you discover info that is incorrect, you can file a disagreement.

Ensure you’re clear on items that could potentially be deceitful, versus those that may simply be incorrect. Your payment history is one of the most crucial components of numerous FICO scoring models. Late and missed out on payments will minimize your scores, and public records and collections can trigger considerable damage.

Your ratings often take into consideration the size and recency of your financial obligation. The bigger your financial obligation is and the more recent your missed out on payments are, the even worse your rating will be. Bringing accounts current and continuing to pay on time will nearly constantly have a positive effect on your credit rating.

Essentially it’s the amount of all of your revolving financial obligation (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 utilization rate can adversely affect your credit scores. Usually, it’s a good idea to keep your credit utilization rate below 30%.

There are two ways to minimize your credit utilization rate: Reduce your debt by paying off your account balances. Increase your total available credit by raising your credit line on an existing account or opening a new charge account. While increasing your credit limitation may appear like an appealing option, it can be a risky move.

Furthermore, if you try to open a brand-new credit card, an questions will appear on your credit report and momentarily reduce your credit rating. Minimizing your balances on charge card and other revolving credit accounts is most likely the better alternative to improve your credit usage rate, and, consequently, your credit scores.

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

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