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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” You have to weigh the cost benefit of paying another person to do those things for you, versus doing those things on your own and what your time is worth.” Here’s how credit repair work business work and, if you’re thinking of using one, why you should consider credit therapy first.

The companies often promise to “manage all the heavy lifting” of working with the credit reporting firms, says McClary. Credit repair companies are various from credit therapy agencies, which are typically a free resource from not-for-profit financial education companies that examine your financial resources, financial obligation and credit reports with the goal of mentor you to enhance and manage your monetary situation.

To assist prevent fraudsters, it’s essential to research any credit repair organization prior to consenting to work with it. There are “all sort of methods” to veterinarian credit repair business, McClary says. Here’s somewhere to start. Avoid companies that seem too excellent to be true. If the business says it can do any of the following, it’s a red flag and likely a sign of a fraud: Get rid of precise negative details from your reports Legally produce a brand-new credit identity for you The company demands you pay prior to it offers services Warranty enhanced credit Again, we suggest seeking out a credit therapist initially.

Numerous credit repair work companies start by asking for a copy of your credit report from each of the 3 major consumer credit bureaus Equifax, Experian and TransUnion. The company will examine your credit reports for negative marks, like Then, it will set a plan for contesting mistakes and negotiating with lenders to eliminate those items.

Be cautious here. If you’ve had trouble managing credit in the past, a brand-new account may not be the very best choice. Plus it’s not a terrific concept to take on more credit if you don’t need it. The quantity you’ll pay and how it’s determined will vary depending on the company, however there’s a guideline they have to follow.

Depending upon the business, you may pay a one-time flat charge, or pay for each negative mark the business gets rid of from each of your reports. This might begin around $35 per removal and might vary to $750 or more. The business may also charge by the month, varying from $50 to $130 or more.

Believe about how much work your reports require. If there are just a couple of negative items, you’ll likely be better off applying any costs towards paying down financial obligation and contesting any errors in your credit reports yourself. The credit bureau typically has one month after receiving your dispute to investigate and verify info.

The credit bureau is required to send you the results of the investigation within five company days of the completion of the examination. But if the credit bureau determines the disagreement is “unimportant” it can pick not to examine as long as it interacts that to you within five days.

But numerous customers do not understand where to start, states Gerri Detweiler, education director at Nav, which intends to help company owner understand and manage their organisation credit. Here are some ways you can deal with improving your credit on your own. Customers should “exercise extreme caution” when considering dealing with a credit repair business, McClary says.

Even if you discover a business you’re comfortable with, the services might not work for your situation. Plus you ‘d likely save money if you disputed any inaccurate information in your credit reports yourself. The Credit Repair Work Organizations Act, or CROA, makes it unlawful for credit repair work companies to lie about their services and outcomes, and sets some additional rules.

Credit reporting companies have a number of requirements under CROA, some of which consist of Giving you a composed contract that explains your legal rights and the services they’ll supply Enabling you to cancel within 3 days without charge Satisfying the assured service before charging you or getting costs If a credit repair company declines to answer your concerns, demands payment in advance or stops working to put pledges in composing, “that belongs to the ‘sniff test’ that tells you there’s something incorrect there,” McClary states.

We suggest considering credit counseling first. Eventually, you may be able to rebuild your credit yourself. Working on your credit?.

Choosing the very best credit repair company to help you improve your credit rating is a huge decision. A normal credit repair service will cost you a couple of hundred dollars and will use up to a year to finish their service. Picking the wrong credit repair company can end up squandering money and maybe more notably, your time.

Improving your credit history can be the difference between whether or not you get into a brand-new home, vehicle, or perhaps a task. A higher credit history may likewise help you refinance your existing payments so you end up paying less on a monthly basis. A trusted credit repair business can provide their competence and assist you on your way to achieving these results.

The procedure of fixing your credit can include much more than merely disputing your credit with the credit bureaus. You need to ensure to use a credit repair work business that can satisfy all of your credit needs. When the majority of people think of credit repair work they believe of a procedure that has actually become referred to as credit report repair.

This component of credit repair work has assisted many individuals with incorrect, insufficient, or unverifiable details on their credit reports enhance their credit report. While credit report repair work is a great start, many individuals discover that it is insufficient. Credit report repair works when the credit bureaus are not able to validate that the doubtful items in your credit reports must be there.

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