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 Lichty, 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 present credit scenario, you may be best served by a credit repair business specializing solely in credit report repair or one that can also supply a complete catalog of credit repair work services. The Credit Repair Organizations Act is designed to secure you from credit repair work frauds. Unfortunately, credit repair work is a market that has received a bad reputation due to the fact that of the promotion paid for to credit repair work scams.

A simple 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 designed to secure you from credit repair rip-offs while likewise securing your right to get help with fixing your credit reports.

In a normal credit repair work fraud, the so called credit repair business charges a large upfront fee (numerous hundreds and even countless dollars) for service. This allows them to collect their cash, prevent carrying out the agreed upon credit repair, and vanish when too many people start grumbling. Under the Credit Repair Work Organizations Act, credit repair work business are just permitted to bill for services after they have been carried out.

The second law you ought to learn about addresses another common credit repair scam known as file segregation. File partition is the extremely prohibited procedure of producing a brand-new credit identity with the credit bureaus. This new clean credit identity is then used when requesting credit due to the fact that it does not contain any of the questionable items on your genuine credit reports.

Some additional standards explained in the Credit Repair work Organizations Act make it unlawful for any credit repair work company to assure your credit rating will increase, to not notify you that you can fix your credit on your own, and to not allow 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 notes numerous unsettled problems or a total low rating, you must be careful of the company. 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 nothing a credit repair work service can lawfully do for you even getting rid of incorrect details that you can’t provide for yourself for little or no expenditure. And the expense of employing such a business can be substantial, varying from hundreds to thousands of dollars. The Credit Repair Work Organizations Act is a federal law that became efficient on April 1, 1997 in response to a variety of customers who had actually experienced credit repair rip-offs.

Are required to offer customers with a composed agreement specifying all the services to be supplied as well as the terms of payment. Under the law, customers have 3 days to withdraw from the agreement. Are prohibited to ask or recommend that you misguide 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 surrendering your rights under the Credit Repair Organizations Act. Any waiver that you sign can not be imposed. There is no fast repair for your credit. Information that is negative however 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 image and what lenders can see, check your credit report. If you require aid reading your report, you can discover more about how to read your Experian credit report. If you wish to discover more about credit reports in general, you can check out about credit report basics. If you find information that is incorrect, you can file a dispute.

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

Your scores frequently take into consideration the size and recency of your debt. The larger your financial obligation is and the more recent your missed payments are, the even worse your rating will be. Bringing accounts present and continuing to pay on time will usually have a positive influence on your credit report.

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

There are two methods to lower your credit utilization rate: Minimize your debt by paying off your account balances. Increase your overall readily available credit by raising your credit line on an existing account or opening a new credit account. While increasing your credit line may appear like an appealing option, it can be a risky move.

Additionally, if you try to open a new credit card, an inquiry will appear on your credit report and briefly decrease your credit history. Minimizing your balances on credit cards and other revolving credit accounts is likely the better choice to enhance your credit utilization rate, and, consequently, your credit report.

Scoring models think about just how much you owe and across the number of various accounts. If you have financial obligation across a big number of accounts, it might be helpful to settle some of the accounts, if you can. Paying down your debt is the goal of numerous who have actually accrued debt in the past, but even after you pay the balance to no, consider keeping that account open.

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