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 Kitsap Lake, 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 existing credit scenario, you may be best served by a credit repair work company specializing entirely in credit report repair or one that can also supply a full catalog of credit repair work services. The Credit Repair Work Organizations Act is created to secure you from credit repair rip-offs. Sadly, credit repair is an industry that has actually gotten a bad reputation since of the publicity managed to credit repair work scams.

An easy way to do this is to know a few of the laws that govern credit repair work business. These laws as defined in the Credit Repair Organizations Act were developed to secure you from credit repair work rip-offs while also protecting your right to get assist with fixing your credit reports.

In a normal credit repair work rip-off, the so called credit repair work business charges a big in advance fee (lots of hundreds or even thousands of dollars) for service. This permits them to collect their cash, prevent carrying out the agreed upon credit repair work, and vanish when a lot of people begin grumbling. Under the Credit Repair Organizations Act, credit repair companies are just allowed to expense for services after they have actually been performed.

The 2nd law you ought to learn about addresses another typical credit repair rip-off known as file segregation. Submit segregation is the extremely unlawful process of creating a new credit identity with the credit bureaus. This new tidy credit identity is then used when getting credit since it does not contain any of the questionable items on your genuine credit reports.

Some additional standards explained in the Credit Repair Organizations Act make it illegal for any credit repair company to promise your credit score will increase, to not notify you that you can repair your credit by yourself, and to not permit you to cancel service whenever you want.

The BBB keeps notes on problems made versus business. If the BBB report for a credit repair company lists multiple unsettled problems or a general low rating, you need to be careful of the business. In addition, beware of any credit repair business 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 removing wrong info that you can’t do for yourself for little or no expense. And the cost of hiring such a business can be considerable, 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 reaction to a variety of consumers who had experienced credit repair work scams.

Are needed to supply customers with a written agreement specifying all the services to be offered as well as the conditions of payment. Under the law, customers have three days to withdraw from the contract. Are prohibited to ask or suggest that you deceive credit reporting companies about your credit accounts 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 Organizations Act. Any waiver that you sign can not be imposed. There is no quick repair for your credit. Info that is negative 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 lending institutions can see, examine your credit report. If you need assistance reading your report, you can find out more about how to read your Experian credit report. If you wish to learn more about credit reports in general, you can check out credit report fundamentals. If you find information that is incorrect, you can submit a conflict.

Make certain you’re clear on items that might potentially be deceitful, versus those that might merely be incorrect. Your payment history is among the most important components of many FICO scoring models. Late and missed payments will lower your ratings, and public records and collections can trigger considerable damage.

Your scores often take into consideration the size and recency of your debt. The bigger your debt is and the more current your missed payments are, the even worse your score will be. Bringing accounts present and continuing to pay on time will often have a favorable impact on your credit report.

Generally it’s the sum of all of your revolving debt (such as your charge card balances) divided by the overall credit that is available to you (or the total of all your credit limitations). High credit usage rate can negatively affect your credit rating. Generally, it’s a great idea to keep your credit utilization rate listed below 30%.

There are two methods to reduce your credit utilization rate: Decrease your financial obligation by paying off your account balances. Increase your overall readily available credit by raising your credit limitation on an existing account or opening a brand-new credit account. While increasing your credit line might appear like an appealing alternative, it can be a dangerous relocation.

Additionally, if you attempt to open a new credit card, an questions will appear on your credit report and briefly minimize your credit rating. Lowering your balances on credit cards and other revolving credit accounts is likely the better alternative to improve your credit usage rate, and, consequently, your credit rating.

Scoring models consider just how much you owe and across the number of different 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 debt is the objective of lots of who’ve accrued financial obligation in the past, but even after you pay the balance to absolutely no, think about keeping that account open.

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