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 Lamar, 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 Lamar Washington

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Depending upon your current credit circumstance, you might be finest served by a credit repair work business specializing exclusively in credit report repair work or one that can likewise provide a complete brochure of credit repair work services. The Credit Repair Work Organizations Act is designed to protect you from credit repair work rip-offs. Sadly, credit repair is an industry that has actually gotten a bad reputation because of the publicity paid for to credit repair work scams.

A simple way to do this is to understand a few of the laws that govern credit repair work business. These laws as specified in the Credit Repair Organizations Act were designed to protect you from credit repair work frauds while likewise protecting your right to get help with fixing your credit reports.

In a common credit repair work fraud, the so called credit repair work company charges a big upfront fee (many hundreds or perhaps thousands of dollars) for service. This permits them to gather their cash, avoid carrying out the concurred upon credit repair work, and disappear when too many people start grumbling. Under the Credit Repair Work Organizations Act, credit repair companies are just permitted to expense for services after they have been carried out.

The second law you need to understand about addresses another typical credit repair work scam known as file segregation. File segregation is the extremely illegal process of developing a brand-new credit identity with the credit bureaus. This new clean credit identity is then used when making an application for credit because it does not contain any of the doubtful products on your genuine credit reports.

Some additional standards described in the Credit Repair Organizations Act make it unlawful for any credit repair company to promise your credit rating will increase, to not notify you that you deserve to repair your credit on your own, and to not allow you to cancel service whenever you desire.

The BBB keeps notes on problems made against companies. If the BBB report for a credit repair work business notes multiple unsettled complaints or an overall low score, you need to watch out for the business. 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 absolutely nothing a credit repair service can legally do for you even eliminating wrong info that you can’t provide for yourself for little or no cost. And the expense of working with such a business can be considerable, varying from hundreds to thousands of dollars. The Credit Repair Organizations Act is a federal law that became effective on April 1, 1997 in action to a variety of consumers who had actually struggled with credit repair scams.

Are needed to provide consumers with a written contract mentioning all the services to be supplied 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 charge account or alter your identity to change your credit history.

Can not ask you to sign anything that states that you are forfeiting your rights under the Credit Repair Organizations Act. Any waiver that you sign can not be implemented. There is no fast fix for your credit. Details that is unfavorable but accurate (such as late payments and delinquencies) will stay on your credit report for 7-10 years.

To get a better understanding of your credit photo and what lenders can see, inspect 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 discover more about credit reports in general, you can check out credit report fundamentals. If you find info that is inaccurate, you can submit a dispute.

Make sure you’re clear on products that could possibly be deceitful, versus those that may just be incorrect. Your payment history is one of the most essential elements of numerous FICO scoring designs. Late and missed out on payments will lower your scores, and public records and collections can trigger significant damage.

Your ratings often take into consideration the size and recency of your debt. The bigger your debt is and the more recent your missed out on payments are, the worse your rating will be. Bringing accounts current and continuing to pay on time will generally have a positive impact on your credit history.

Basically it’s the amount of all of your revolving debt (such as your credit card balances) divided by the overall credit that is available to you (or the overall of all your credit line). High credit utilization rate can adversely impact your credit ratings. Generally, it’s a great idea to keep your credit usage rate below 30%.

There are 2 ways to decrease your credit usage rate: Lower your debt by paying off your account balances. Increase your total readily available credit by raising your credit line on an existing account or opening a new charge account. While increasing your credit line might appear like an appealing choice, it can be a risky relocation.

Furthermore, if you attempt to open a new credit card, an query will appear on your credit report and briefly lower your credit score. Lowering your balances on charge card and other revolving credit accounts is most likely the much better choice to enhance your credit usage rate, and, subsequently, your credit history.

Scoring models consider just how much you owe and throughout how many different accounts. If you have debt across a large number of accounts, it may be advantageous to settle a few of the accounts, if you can. Paying for your debt is the objective of lots of who have actually accumulated debt in the past, however even after you pay the balance down to no, think about keeping that account open.

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