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 Lake Ketchum, 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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Now Hiring In Lake Ketchum Washington

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Depending on your existing credit circumstance, you might be best served by a credit repair work company specializing exclusively in credit report repair work or one that can also supply a full brochure of credit repair services. The Credit Repair Organizations Act is designed to secure you from credit repair work frauds. Unfortunately, credit repair is a market that has actually received a bad track record since of the publicity afforded to credit repair rip-offs.

An easy method to do this is to know a few of the laws that govern credit repair business. These laws as defined in the Credit Repair Organizations Act were developed to safeguard you from credit repair work scams while likewise securing your right to get help with fixing your credit reports.

In a common credit repair rip-off, the so called credit repair work business charges a large upfront charge (numerous hundreds or perhaps countless dollars) for service. This enables them to collect their money, avoid carrying out the agreed upon credit repair, and vanish when too many people begin grumbling. Under the Credit Repair Organizations Act, credit repair business are only allowed to bill for services after they have been carried out.

The second law you must understand about addresses another typical credit repair rip-off understood as file segregation. File partition is the highly prohibited procedure of producing a new credit identity with the credit bureaus. This brand-new clean credit identity is then utilized when obtaining credit since it does not include any of the doubtful items on your real credit reports.

Some additional standards described in the Credit Repair Organizations Act make it prohibited for any credit repair business to assure your credit rating will increase, to not inform 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 complaints made against business. If the BBB report for a credit repair work company lists multiple unsettled grievances or a total low score, you should watch out for the company. In addition, beware of any credit repair work company that does not list credit repair 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 wrong information that you can’t provide for yourself for little or no expenditure. 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 efficient on April 1, 1997 in action to a variety of customers who had actually suffered from credit repair scams.

Are needed to supply customers with a composed agreement mentioning all the services to be offered as well as the terms and conditions of payment. Under the law, consumers have three days to withdraw from the agreement. Are forbidden to ask or suggest that you deceive credit reporting companies about your charge account or modify your identity to alter your credit rating.

Can not ask you to sign anything that states that you are forfeiting your rights under the Credit Repair Work Organizations Act. Any waiver that you sign can not be implemented. There is no fast repair for your credit. Info that is negative but 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 photo and what loan providers can see, check your credit report. If you need help 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 basic, you can check out credit report basics. If you find details that is inaccurate, you can file a dispute.

Make certain you’re clear on products that could potentially be fraudulent, versus those that may simply be unreliable. Your payment history is among the most important components of many FICO scoring models. Late and missed payments will minimize your ratings, and public records and collections can trigger significant damage.

Your scores frequently take into consideration the size and recency of your financial obligation. The larger your financial obligation is and the more current your missed out on payments are, the even worse your score will be. Bringing accounts existing and continuing to pay on time will generally have a favorable effect on your credit ratings.

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

There are 2 methods to decrease your credit usage rate: Lower your financial obligation by settling your account balances. Increase your total readily available credit by raising your credit line on an existing account or opening a brand-new charge account. While increasing your credit line might look like an attractive choice, it can be a risky move.

Additionally, if you try to open a brand-new credit card, an inquiry will appear on your credit report and temporarily lower your credit history. Minimizing your balances on credit cards and other revolving credit accounts is most likely the much better option to enhance your credit usage rate, and, consequently, your credit report.

Scoring designs consider how much you owe and across the number of various accounts. If you have financial obligation throughout a a great deal of accounts, it may be useful to settle a few of the accounts, if you can. Paying down your debt is the objective of many who have actually accrued debt in the past, however even after you pay the balance down to no, think about keeping that account open.

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