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 Monta Vista, 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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Depending on your present credit circumstance, you might be finest served by a credit repair business specializing exclusively in credit report repair or one that can also offer a full brochure of credit repair services. The Credit Repair Organizations Act is designed to safeguard you from credit repair work frauds. Unfortunately, credit repair is a market that has actually gotten a bad reputation due to the fact that of the publicity afforded to credit repair work frauds.

A simple way to do this is to know a few of the laws that govern credit repair business. These laws as defined in the Credit Repair Work Organizations Act were developed to safeguard you from credit repair work frauds while also protecting your right to get aid with repairing your credit reports.

In a typical credit repair work scam, the so called credit repair work company charges a big upfront fee (many hundreds or even thousands of dollars) for service. This enables them to collect their cash, avoid carrying out the concurred upon credit repair, and disappear when too numerous individuals begin grumbling. Under the Credit Repair Organizations Act, credit repair business are only allowed to costs for services after they have actually been carried out.

The second law you need to understand about addresses another typical credit repair work rip-off referred to as file segregation. Submit segregation is the extremely illegal procedure of developing a new credit identity with the credit bureaus. This brand-new tidy credit identity is then utilized when obtaining credit since it does not consist of any of the questionable products on your real credit reports.

Some additional guidelines explained in the Credit Repair work Organizations Act make it prohibited for any credit repair company to assure your credit history will increase, to not inform you that you can fix your credit by yourself, and to not enable you to cancel service whenever you want.

The BBB keeps notes on grievances made against companies. If the BBB report for a credit repair work company notes multiple unresolved problems or a general low ranking, you must be careful of the business. In addition, beware of any credit repair work business 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 removing incorrect information that you can’t provide for yourself for little or no expense. And the expense of working with such a business can be significant, 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 number of consumers who had actually suffered from credit repair rip-offs.

Are needed to provide customers with a composed agreement stating all the services to be supplied as well as the terms of payment. Under the law, customers have 3 days to withdraw from the contract. Are prohibited to ask or suggest that you misinform credit reporting business about your charge account or change your identity to alter your credit report.

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 quick repair for your credit. Details that is negative but precise (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 lending institutions can see, check 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 find out more about credit reports in general, you can check out about credit report essentials. If you find info that is inaccurate, you can file a dispute.

Make sure you’re clear on items that might possibly be fraudulent, versus those that may simply be inaccurate. Your payment history is among the most important components of many FICO scoring designs. Late and missed out on payments will minimize your scores, and public records and collections can cause significant 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 current and continuing to pay on time will practically constantly have a positive effect on your credit report.

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

There are two methods to decrease your credit usage rate: Minimize your financial obligation by settling your account balances. Increase your overall 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 enticing alternative, it can be a dangerous move.

Furthermore, if you attempt to open a brand-new credit card, an inquiry will appear on your credit report and briefly minimize your credit history. Lowering your balances on charge card and other revolving credit accounts is likely the much better alternative to enhance your credit utilization rate, and, subsequently, your credit history.

Scoring designs consider how much you owe and across how many different accounts. If you have debt across a big number of accounts, it might be helpful to settle a few of the accounts, if you can. Paying for your financial obligation is the goal of lots of who’ve accrued financial obligation in the past, however even after you pay the balance to no, consider keeping that account open.

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