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 Factoria, Washington residents

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

98004, 98005, 98006, 98007, 98008, 98009, 98015

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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” You have to weigh the cost benefit of paying another person to do those things for you, versus doing those things on your own and what your time is worth.” Here’s how credit repair work companies work and, if you’re thinking about using one, why you should think about credit counseling first.

The companies typically promise to “manage all the heavy lifting” of dealing with the credit reporting agencies, states McClary. Credit repair work companies are different from credit therapy agencies, which are normally a free resource from not-for-profit monetary education companies that examine your financial resources, financial obligation and credit reports with the objective of teaching you to improve and manage your monetary situation.

To assist avoid scammers, it is very important to look into any credit repair organization prior to consenting to work with it. There are “all kinds of ways” to veterinarian credit repair work business, McClary says. Here’s someplace to start. Guide clear of business that appear too excellent to be real. If the business says it can do any of the following, it’s a red flag and likely an indication of a rip-off: Eliminate accurate unfavorable information from your reports Lawfully create a brand-new credit identity for you The company requests you pay prior to it provides services Warranty improved credit Once again, we suggest seeking out a credit therapist first.

Many credit repair work companies begin by asking for a copy of your credit report from each of the three major consumer credit bureaus Equifax, Experian and TransUnion. The company will examine your credit reports for negative marks, like Then, it will set a strategy for contesting mistakes and negotiating with financial institutions to get rid of those products.

Beware here. If you’ve had difficulty managing credit in the past, a brand-new account might not be the finest choice. Plus it’s not a fantastic idea to handle more credit if you do not need it. The amount you’ll pay and how it’s determined will differ depending upon the business, however there’s a guideline they have to follow.

Depending on the company, you might pay a one-time flat charge, or spend for each bad mark the business gets rid of from each of your reports. This may begin around $35 per deletion and could range to $750 or more. The company may likewise charge by the month, varying from $50 to $130 or more.

Think about just how much work your reports require. If there are simply one or two unfavorable items, you’ll likely be better off using any charges toward paying for financial obligation and disputing any errors in your credit reports yourself. The credit bureau usually has thirty days after receiving your disagreement to examine and confirm info.

The credit bureau is needed to send you the results of the examination within five organisation days of the completion of the examination. But if the credit bureau identifies the conflict is “frivolous” it can select not to examine as long as it interacts that to you within five days.

However lots of customers don’t know where to start, says Gerri Detweiler, education director at Nav, which intends to assist entrepreneur comprehend and handle their service credit. Here are some methods you can work on enhancing your credit by yourself. Consumers should “work out severe caution” when thinking about dealing with a credit repair work business, McClary states.

Even if you find a company you’re comfortable with, the services may not work for your circumstance. Plus you ‘d likely conserve money if you contested any inaccurate information in your credit reports yourself. The Credit Repair Organizations Act, or CROA, makes it unlawful for credit repair work business to lie about their services and outcomes, and sets some extra rules.

Credit reporting companies have a number of requirements under CROA, some of which include Offering you a written contract that describes your legal rights and the services they’ll supply Enabling you to cancel within three days without charge Fulfilling the guaranteed service before charging you or receiving charges If a credit repair work company declines to answer your concerns, demands payment in advance or stops working to put pledges in writing, “that belongs to the ‘smell test’ that informs you there’s something wrong there,” McClary states.

We advise thinking about credit therapy initially. Eventually, you might have the ability to restore your credit yourself. Dealing with your credit?.

Selecting the best credit repair work company to assist you enhance your credit history is a big decision. A typical credit repair service will cost you a couple of hundred dollars and will use up to a year to complete their service. Choosing the wrong credit repair work company can end up wasting cash and maybe more importantly, your time.

Improving your credit score can be the distinction in between whether or not you get into a new house, automobile, and even a job. A greater credit rating may likewise assist you refinance your existing payments so you end up paying less on a monthly basis. A relied on credit repair business can lend their expertise and help you on your method to achieving these outcomes.

The process of fixing your credit can involve far more than merely challenging your credit with the credit bureaus. You must make sure to use a credit repair business that can meet all of your credit needs. When many people consider credit repair they believe of a procedure that has ended up being known as credit report repair work.

This element of credit repair has actually assisted many individuals with incorrect, insufficient, or unverifiable information on their credit reports enhance their credit report. While credit report repair work is an excellent start, lots of people discover that it is inadequate. Credit report repair when the credit bureaus are unable to verify that the questionable products in your credit reports ought to exist.

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