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 Hilltop, 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 on your present credit situation, you might be best served by a credit repair work company specializing solely in credit report repair or one that can likewise offer a full catalog of credit repair services. The Credit Repair Work Organizations Act is created to secure you from credit repair work rip-offs. Sadly, credit repair is a market that has gotten a bad track record due to the fact that of the publicity paid for to credit repair work scams.

An easy method to do this is to understand a few of the laws that govern credit repair business. These laws as defined in the Credit Repair Organizations Act were created to secure you from credit repair rip-offs while likewise protecting your right to get aid with repairing your credit reports.

In a typical credit repair work scam, the so called credit repair company charges a big in advance cost (many hundreds and even thousands of dollars) for service. This permits them to gather their money, avoid carrying out the agreed upon credit repair work, and vanish when a lot of people begin complaining. Under the Credit Repair Organizations Act, credit repair work business are only allowed to expense for services after they have been performed.

The 2nd law you should understand about addresses another typical credit repair work scam referred to as file partition. File segregation is the extremely prohibited procedure of creating a brand-new credit identity with the credit bureaus. This new tidy credit identity is then utilized when getting credit since it does not consist of any of the questionable items on your real credit reports.

Some extra standards described in the Credit Repair Organizations Act make it prohibited for any credit repair work company to promise your credit history will increase, to not inform you that you deserve to fix your credit by yourself, and to not allow you to cancel service whenever you desire.

The BBB keeps notes on grievances made versus companies. If the BBB report for a credit repair work company notes multiple unsolved problems or a general low rating, you ought to watch out for the company. In addition, beware of any credit repair work company that does not list credit repair work 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 information that you can’t provide for yourself for little or no expense. And the expense of working with such a business can be significant, varying from hundreds to thousands of dollars. The Credit Repair Organizations Act is a federal law that became reliable on April 1, 1997 in response to a number of consumers who had suffered from credit repair work scams.

Are required to provide customers with a written agreement stating all the services to be provided along with the terms of payment. Under the law, consumers have three days to withdraw from the contract. Are forbidden to ask or recommend that you deceive credit reporting business about your charge account or alter your identity to change your credit rating.

Can not ask you to sign anything that states that you are surrendering your rights under the Credit Repair Organizations Act. Any waiver that you sign can not be implemented. There is no quick fix for your credit. Info that is unfavorable however 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 photo 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 want to discover more about credit reports in general, you can read about credit report basics. If you find info that is inaccurate, you can file a dispute.

Make certain you’re clear on products that might potentially be deceitful, versus those that may just be incorrect. Your payment history is among the most important elements of numerous FICO scoring designs. Late and missed payments will decrease your ratings, and public records and collections can cause significant damage.

Your scores frequently take into account the size and recency of your financial obligation. The bigger your financial obligation is and the more current your missed out on payments are, the even worse your score will be. Bringing accounts current and continuing to pay on time will usually have a positive effect on your credit rating.

Basically it’s the sum of all of your revolving financial obligation (such as your charge card balances) divided by the overall credit that is offered to you (or the total of all your credit limitations). High credit usage rate can adversely affect your credit history. Typically, it’s a good idea to keep your credit utilization rate below 30%.

There are 2 ways to minimize your credit utilization rate: Decrease your financial obligation by paying off your account balances. Increase your overall offered credit by raising your credit line on an existing account or opening a new credit account. While increasing your credit limitation may seem like an attractive alternative, it can be a risky relocation.

Furthermore, if you attempt to open a brand-new credit card, an inquiry will appear on your credit report and briefly minimize your credit rating. Reducing your balances on credit cards and other revolving credit accounts is most likely the much better option to improve your credit usage rate, and, consequently, your credit rating.

Scoring models consider just how much you owe and across the number of various accounts. If you have financial obligation across a large number of accounts, it may be beneficial to pay off some of the accounts, if you can. Paying for your financial obligation is the objective of numerous who have actually accumulated financial obligation in the past, but even after you pay the balance to absolutely no, consider keeping that account open.

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