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 Jamestown, 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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Depending on your present credit scenario, you might be finest served by a credit repair company specializing exclusively in credit report repair or one that can likewise provide a full brochure of credit repair services. The Credit Repair Work Organizations Act is developed to secure you from credit repair work frauds. Sadly, credit repair is an industry that has actually gotten a bad track record due to the fact that of the promotion afforded to credit repair frauds.

A simple way to do this is to know a few of the laws that govern credit repair work companies. These laws as specified in the Credit Repair Work Organizations Act were designed to secure you from credit repair scams while also securing your right to get assist with repairing your credit reports.

In a normal credit repair work fraud, the so called credit repair work business charges a big in advance fee (lots of hundreds or perhaps thousands of dollars) for service. This allows them to collect their money, prevent carrying out the agreed upon credit repair, and vanish when too numerous people start grumbling. Under the Credit Repair Work Organizations Act, credit repair work companies are just allowed to expense for services after they have actually been performed.

The second law you must know about addresses another common credit repair rip-off called file partition. File segregation is the extremely unlawful procedure of creating a new credit identity with the credit bureaus. This brand-new clean credit identity is then utilized when getting credit since it does not contain any of the questionable items on your genuine credit reports.

Some extra standards explained in the Credit Repair Organizations Act make it illegal for any credit repair company to guarantee your credit history will increase, to not notify you that you have the right to fix your credit by yourself, and to not permit you to cancel service whenever you want.

The BBB keeps notes on complaints made versus business. If the BBB report for a credit repair work business notes several unresolved problems or a total low rating, you ought to watch out for the company. In addition, beware of any credit repair company that does not list credit repair services as one of their offerings in their BBB filing.

There’s absolutely nothing a credit repair service can lawfully do for you even eliminating incorrect information that you can’t do for yourself for little or no cost. 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 ended up being effective on April 1, 1997 in response to a variety of consumers who had actually experienced credit repair rip-offs.

Are required to supply consumers with a composed agreement specifying all the services to be provided as well as the terms and conditions of payment. Under the law, customers have three days to withdraw from the agreement. Are prohibited to ask or recommend that you mislead credit reporting companies about your charge account or change your identity to alter your credit rating.

Can not ask you to sign anything that states that you are surrendering your rights under the Credit Repair Work Organizations Act. Any waiver that you sign can not be implemented. There is no fast fix for your credit. Information that is unfavorable however precise (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 image and what loan providers can see, check your credit report. If you need aid reading your report, you can find out more about how to read your Experian credit report. If you desire to find out more about credit reports in general, you can check out credit report essentials. If you find details that is incorrect, you can file a conflict.

Ensure you’re clear on products that could potentially be deceitful, versus those that may just be inaccurate. Your payment history is one of the most important parts of numerous FICO scoring models. Late and missed payments will minimize your scores, and public records and collections can trigger significant damage.

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

Generally it’s the amount of all of your revolving financial obligation (such as your credit card balances) divided by the total credit that is readily available to you (or the total of all your credit line). High credit utilization rate can negatively affect your credit history. Generally, it’s a good idea to keep your credit usage rate listed below 30%.

There are 2 ways to decrease your credit utilization rate: Lower your financial obligation by settling your account balances. Increase your total available credit by raising your credit limitation on an existing account or opening a brand-new credit account. While increasing your credit limit may appear like an enticing option, it can be a dangerous move.

Additionally, if you try to open a new credit card, an inquiry will appear on your credit report and momentarily reduce your credit score. Decreasing your balances on credit cards and other revolving credit accounts is likely the much better choice to enhance your credit usage rate, and, subsequently, your credit ratings.

Scoring models think about how much you owe and across how many various accounts. If you have debt across a large number of accounts, it might be helpful to settle some of the accounts, if you can. Paying for your financial obligation is the goal of many who have actually accumulated debt in the past, however even after you pay the balance down to no, consider keeping that account open.

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