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 Kenova, 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 circumstance, you might be best served by a credit repair work business specializing exclusively in credit report repair or one that can likewise supply a full brochure of credit repair services. The Credit Repair Organizations Act is developed to safeguard you from credit repair work frauds. Regrettably, credit repair is a market that has actually received a bad track record because of the promotion afforded to credit repair scams.

An easy method to do this is to understand a few of the laws that govern credit repair companies. These laws as specified in the Credit Repair Organizations Act were designed to protect you from credit repair work scams while likewise safeguarding your right to get assist with fixing your credit reports.

In a typical credit repair rip-off, the so called credit repair company charges a large upfront charge (lots of hundreds and even thousands of dollars) for service. This permits them to collect their money, prevent carrying out the concurred upon credit repair work, and disappear when a lot of people start complaining. Under the Credit Repair Work Organizations Act, credit repair companies are only permitted to expense for services after they have actually been carried out.

The second law you must understand about addresses another common credit repair work fraud known as file partition. Submit segregation is the extremely illegal process of developing a brand-new credit identity with the credit bureaus. This brand-new tidy credit identity is then utilized when getting credit due to the fact that it does not consist of any of the doubtful products on your real credit reports.

Some additional standards described in the Credit Repair work Organizations Act make it prohibited for any credit repair work company to guarantee your credit report will increase, to not notify you that you deserve to repair your credit by yourself, and to not permit you to cancel service whenever you desire.

The BBB keeps notes on grievances made versus business. If the BBB report for a credit repair work company notes several unsettled grievances or an overall low ranking, you need to watch out for the business. 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 work service can lawfully do for you even removing wrong details that you can’t do for yourself for little or no cost. And the expense of working with such a business can be substantial, varying from hundreds to countless dollars. The Credit Repair Work Organizations Act is a federal law that became effective on April 1, 1997 in action to a variety of consumers who had actually experienced credit repair frauds.

Are needed to offer customers with a written contract stating all the services to be supplied in addition to the terms and conditions of payment. Under the law, customers have 3 days to withdraw from the contract. Are forbidden to ask or suggest that you mislead 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 surrendering 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. Information that is negative however precise (such as late payments and delinquencies) will remain on your credit report for 7-10 years.

To get a better understanding of your credit picture and what loan providers can see, check your credit report. If you require help reading your report, you can find out more about how to read your Experian credit report. If you desire to discover more about credit reports in general, you can check out credit report essentials. If you discover info that is inaccurate, you can file a dispute.

Make certain you’re clear on items that might potentially be deceptive, versus those that may simply be unreliable. Your payment history is one of the most crucial elements of lots of FICO scoring designs. Late and missed payments will reduce your scores, and public records and collections can cause substantial damage.

Your scores often consider the size and recency of your financial obligation. The bigger your debt is and the more current your missed payments are, the even worse your rating will be. Bringing accounts current and continuing to pay on time will nearly constantly have a favorable effect on your credit scores.

Generally it’s the sum of all of your revolving debt (such as your charge card balances) divided by the overall credit that is readily available to you (or the overall of all your credit line). High credit utilization rate can adversely affect your credit history. Normally, it’s a great idea to keep your credit utilization rate below 30%.

There are two methods to minimize your credit usage rate: Minimize your financial obligation by paying off your account balances. Increase your total available credit by raising your credit line on an existing account or opening a brand-new credit account. While increasing your credit line may look like an attractive choice, it can be a dangerous relocation.

Furthermore, if you try to open a brand-new credit card, an questions will appear on your credit report and temporarily reduce your credit rating. Reducing your balances on credit cards and other revolving credit accounts is likely the much better choice to improve your credit utilization rate, and, subsequently, your credit report.

Scoring designs consider how much you owe and across how lots of different accounts. If you have financial obligation across a a great deal of accounts, it might be advantageous to settle some of the accounts, if you can. Paying for your debt is the goal of numerous who have actually accumulated debt in the past, however even after you pay the balance to absolutely no, think about keeping that account open.

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