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 Erlands Point-Kitsap Lake, 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 upon your present credit situation, you might be best served by a credit repair company specializing exclusively in credit report repair or one that can also provide a complete brochure of credit repair work services. The Credit Repair Work Organizations Act is developed to protect you from credit repair scams. Unfortunately, credit repair work is an industry that has received a bad credibility since of the publicity paid for to credit repair frauds.

A simple way to do this is to understand a few of the laws that govern credit repair work companies. These laws as defined in the Credit Repair Organizations Act were developed to protect you from credit repair frauds while also safeguarding your right to get aid with repairing your credit reports.

In a common credit repair work scam, the so called credit repair company charges a big upfront charge (many hundreds or perhaps thousands of dollars) for service. This permits them to collect their money, avoid performing the concurred upon credit repair, and vanish when a lot of individuals begin grumbling. Under the Credit Repair Organizations Act, credit repair companies are just permitted to costs for services after they have been carried out.

The second law you should understand about addresses another typical credit repair fraud called file segregation. Submit segregation is the extremely unlawful process of developing a new credit identity with the credit bureaus. This brand-new tidy credit identity is then used when looking for credit because it does not include any of the questionable products on your real credit reports.

Some additional standards explained in the Credit Repair Organizations Act make it illegal for any credit repair work company to promise 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 complaints made against business. If the BBB report for a credit repair company notes multiple unsettled grievances or a total low ranking, you need to watch out for the business. In addition, beware of any credit repair company that does not list credit repair work services as one of their offerings in their BBB filing.

There’s absolutely nothing a credit repair service can legally provide for you even removing incorrect details that you can’t do for yourself for little or no expenditure. And the expense of working with such a business can be significant, ranging from hundreds to countless dollars. The Credit Repair Work Organizations Act is a federal law that ended up being effective on April 1, 1997 in response to a number of customers who had actually struggled with credit repair scams.

Are required to offer customers with a written agreement specifying all the services to be offered in addition to the conditions of payment. Under the law, consumers have three days to withdraw from the agreement. Are prohibited to ask or recommend that you misguide credit reporting companies about your charge account or modify your identity to alter your credit history.

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 implemented. 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, check 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 discover more about credit reports in basic, you can check out about credit report essentials. If you find details that is incorrect, you can file a dispute.

Make sure you’re clear on products that could possibly be deceitful, versus those that might simply be unreliable. Your payment history is one of the most essential parts of lots of FICO scoring designs. Late and missed payments will decrease your ratings, and public records and collections can cause considerable damage.

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

Generally it’s the amount of all of your revolving financial obligation (such as your charge card balances) divided by the overall credit that is available to you (or the overall of all your credit line). High credit usage rate can adversely impact your credit report. Normally, it’s an excellent concept to keep your credit utilization rate listed below 30%.

There are two methods to reduce your credit utilization rate: Decrease your financial obligation by paying off your account balances. Increase your total offered credit by raising your credit line on an existing account or opening a new credit account. While increasing your credit line may look like an attractive choice, it can be a risky move.

In addition, if you try to open a brand-new charge card, an query will appear on your credit report and briefly reduce your credit rating. Minimizing your balances on charge card and other revolving credit accounts is likely the better choice to improve your credit usage rate, and, consequently, your credit ratings.

Scoring designs consider just how much you owe and across how many different accounts. If you have financial obligation throughout a a great deal of accounts, it might be useful to settle some of the accounts, if you can. Paying for your financial obligation is the goal of lots of who’ve accumulated debt in the past, but even after you pay the balance to zero, think about keeping that account open.

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