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 Cougar Valley, 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

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  • 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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” You have to weigh the expense advantage of paying somebody else to do those things for you, versus doing those things on your own and what your time deserves.” Here’s how credit repair work companies work and, if you’re thinking about utilizing one, why you ought to consider credit therapy first.

The companies typically promise to “deal with all the heavy lifting” of working with the credit reporting agencies, says McClary. Credit repair work companies are different from credit therapy agencies, which are typically a free resource from nonprofit monetary education companies that review your financial resources, financial obligation and credit reports with the objective of teaching you to enhance and handle your financial situation.

To help avoid fraudsters, it’s crucial to investigate any credit repair work organization prior to agreeing to work with it. There are “all sort of ways” to veterinarian credit repair companies, McClary states. Here’s somewhere to start. Stay away from business that seem too excellent to be true. If the business says it can do any of the following, it’s a red flag and likely a sign of a scam: Remove accurate negative info from your reports Lawfully produce a brand-new credit identity for you The business demands you pay prior to it offers services Guarantee enhanced credit Once again, we suggest looking for out a credit counselor initially.

Many credit repair companies start by asking for a copy of your credit report from each of the 3 significant consumer credit bureaus Equifax, Experian and TransUnion. The business will review your credit reports for negative marks, like Then, it will set a prepare for disputing mistakes and negotiating with creditors to remove those items.

Be mindful here. If you have actually had trouble managing credit in the past, a brand-new account may not be the very best alternative. Plus it’s not a fantastic idea to handle more credit if you do not need it. The quantity you’ll pay and how it’s determined will vary depending upon the business, but there’s a rule they have to follow.

Depending upon the company, you might pay a one-time flat cost, or pay for each negative mark the company gets rid of from each of your reports. This might begin around $35 per deletion and might range to $750 or more. The company might likewise charge by the month, ranging from $50 to $130 or more.

Believe about just how much work your reports require. If there are simply one or two negative items, you’ll likely be much better off applying any fees toward paying down debt and challenging any mistakes in your credit reports yourself. The credit bureau usually has one month after getting your conflict to investigate and verify info.

The credit bureau is needed to send you the outcomes of the examination within 5 business days of the conclusion of the investigation. But if the credit bureau identifies the dispute is “unimportant” it can select not to examine as long as it communicates that to you within five days.

However numerous customers do not know where to begin, states Gerri Detweiler, education director at Nav, which aims to help entrepreneur comprehend and manage their service credit. Here are some methods you can deal with enhancing your credit on your own. Consumers must “exercise severe caution” when considering working with a credit repair work company, McClary states.

Even if you find a business you’re comfy with, the services might not work for your scenario. Plus you ‘d likely conserve cash if you contested any incorrect information in your credit reports yourself. The Credit Repair Work Organizations Act, or CROA, makes it unlawful for credit repair business to lie about their services and outcomes, and sets some additional rules.

Credit reporting business have a variety of requirements under CROA, some of that include Giving you a composed agreement that explains your legal rights and the services they’ll provide Enabling you to cancel within 3 days without charge Satisfying the guaranteed service before charging you or receiving charges If a credit repair business declines to address your questions, demands payment in advance or stops working to put promises in writing, “that’s part of the ‘smell test’ that informs you there’s something incorrect there,” McClary says.

We advise thinking about credit counseling first. Ultimately, you may have the ability to reconstruct your credit yourself. Dealing with your credit?.

Choosing the best credit repair work company to assist you improve your credit report is a big choice. A normal credit repair work service will cost you a few hundred dollars and will use up to a year to complete their service. Picking the wrong credit repair business can end up wasting money and maybe more notably, your time.

Improving your credit report can be the difference between whether or not you enter a new home, cars and truck, or perhaps a task. A higher credit report may likewise assist you refinance your existing payments so you wind up paying less on a monthly basis. A relied on credit repair company can provide their know-how and assist you on your method to accomplishing these outcomes.

The process of repairing your credit can involve a lot more than simply contesting your credit with the credit bureaus. You must ensure to utilize a credit repair work company that can satisfy all of your credit needs. When the majority of people consider credit repair they consider a procedure that has ended up being known as credit report repair.

This component of credit repair has actually helped many individuals with incorrect, insufficient, or unverifiable info on their credit reports improve their credit scores. While credit report repair work is an excellent start, lots of people discover that it is insufficient. Credit report repair when the credit bureaus are unable to validate that the doubtful items in your credit reports ought to exist.

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