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 Fairmont, 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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Now Hiring In Fairmont Washington

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Depending upon your present credit scenario, you may be best served by a credit repair company specializing exclusively in credit report repair work or one that can also offer a complete catalog of credit repair work services. The Credit Repair Organizations Act is created to secure you from credit repair rip-offs. Unfortunately, credit repair work is an industry that has actually gotten a bad credibility since of the publicity paid for to credit repair rip-offs.

An easy way to do this is to understand a few of the laws that govern credit repair business. These laws as defined in the Credit Repair Work Organizations Act were designed to protect you from credit repair work frauds while also safeguarding your right to get help with fixing your credit reports.

In a typical credit repair scam, the so called credit repair business charges a large in advance fee (lots of hundreds or perhaps thousands of dollars) for service. This enables them to gather their money, prevent performing the concurred upon credit repair, and vanish when a lot of people begin complaining. Under the Credit Repair Organizations Act, credit repair companies are just permitted to expense for services after they have been performed.

The 2nd law you need to learn about addresses another typical credit repair work rip-off understood as file partition. File partition is the extremely unlawful procedure of creating a new credit identity with the credit bureaus. This brand-new tidy credit identity is then utilized when obtaining credit due to the fact that it does not include any of the questionable items on your genuine credit reports.

Some extra standards explained in the Credit Repair work Organizations Act make it prohibited for any credit repair company to promise your credit rating will increase, to not notify you that you can fix your credit on your own, and to not allow you to cancel service whenever you desire.

The BBB keeps notes on grievances made versus business. If the BBB report for a credit repair company lists multiple unsolved grievances or a general low ranking, you must watch out for the business. In addition, beware of any credit repair business that does not list credit repair services as one of their offerings in their BBB filing.

There’s nothing a credit repair work service can lawfully provide for you even getting rid of incorrect info that you can’t provide for yourself for little or no cost. And the expense of employing such a business can be substantial, ranging from hundreds to thousands of dollars. The Credit Repair Work Organizations Act is a federal law that ended up being reliable on April 1, 1997 in action to a number of customers who had actually struggled with credit repair frauds.

Are needed to provide customers with a written agreement mentioning all the services to be offered along with the terms and conditions of payment. Under the law, consumers have 3 days to withdraw from the agreement. Are forbidden to ask or recommend that you misinform credit reporting business about your credit accounts or change your identity to change your credit report.

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 imposed. There is no quick fix for your credit. Details that is negative but accurate (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 picture and what lenders can see, inspect 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 find out more about credit reports in general, you can check out credit report essentials. If you find information that is incorrect, you can file a dispute.

Make sure you’re clear on items that might possibly be fraudulent, versus those that may merely be inaccurate. Your payment history is one of the most essential elements of many FICO scoring designs. Late and missed payments will lower your ratings, and public records and collections can cause significant damage.

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

Essentially it’s the sum of all of your revolving financial obligation (such as your credit card balances) divided by the total credit that is offered to you (or the total of all your credit limits). High credit utilization rate can adversely affect your credit report. Normally, it’s a great concept to keep your credit usage rate listed below 30%.

There are two ways to lower your credit utilization rate: Lower your financial obligation by paying off your account balances. Increase your total available credit by raising your credit limit on an existing account or opening a new charge account. While increasing your credit limit might look like an attractive alternative, it can be a dangerous move.

Furthermore, if you attempt to open a brand-new credit card, an inquiry will appear on your credit report and temporarily decrease your credit score. Minimizing your balances on credit cards and other revolving credit accounts is most likely the much better choice to enhance your credit usage rate, and, consequently, your credit report.

Scoring models consider how much you owe and throughout the number of different accounts. If you have financial obligation throughout a large number of accounts, it might be advantageous to settle a few of the accounts, if you can. Paying down your debt is the goal of numerous who’ve accrued 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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