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 Norkirk, Washington residents

Credit Repair company serves the following zip code(s):

98034, 98033, 98011, 98083

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 existing credit scenario, you might be finest served by a credit repair work business specializing solely in credit report repair work or one that can also offer a full brochure of credit repair work services. The Credit Repair Organizations Act is created to safeguard you from credit repair work rip-offs. Sadly, credit repair work is an industry that has received a bad track record due to the fact that of the promotion paid for to credit repair rip-offs.

An easy way to do this is to know a few of the laws that govern credit repair companies. These laws as specified in the Credit Repair Work Organizations Act were created to secure you from credit repair work rip-offs while also securing your right to get assist with repairing your credit reports.

In a normal credit repair work fraud, the so called credit repair business charges a large upfront charge (lots of hundreds and even countless dollars) for service. This allows them to gather their money, avoid performing the agreed upon credit repair, and vanish when too many people start grumbling. Under the Credit Repair Organizations Act, credit repair work business are just allowed to bill for services after they have actually been carried out.

The 2nd law you should learn about addresses another common credit repair work fraud known as file segregation. Submit partition is the extremely illegal procedure of producing a new credit identity with the credit bureaus. This brand-new clean credit identity is then used when looking for credit due to the fact that it does not consist of any of the questionable products on your real credit reports.

Some additional guidelines described in the Credit Repair Organizations Act make it illegal for any credit repair work business to guarantee your credit rating will increase, to not inform you that you have the right to fix your credit on your own, and to not permit you to cancel service whenever you desire.

The BBB keeps notes on grievances made against companies. If the BBB report for a credit repair work business lists multiple unresolved problems or a general low ranking, you should be wary of 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 work service can lawfully provide for you even eliminating wrong details that you can’t do for yourself for little or no expenditure. And the expense of employing such a company can be substantial, varying from hundreds to thousands of dollars. The Credit Repair Organizations Act is a federal law that ended up being reliable on April 1, 1997 in action to a variety of consumers who had struggled with credit repair work scams.

Are needed to supply customers with a written contract mentioning all the services to be provided as well as the terms and conditions of payment. Under the law, consumers have three days to withdraw from the agreement. Are prohibited to ask or suggest that you misguide credit reporting companies about your charge account or alter 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 Organizations Act. Any waiver that you sign can not be enforced. There is no fast fix for your credit. Details that is negative however accurate (such as late payments and delinquencies) will stay on your credit report for 7-10 years.

To get a much better understanding of your credit photo and what lenders can see, examine 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 credit report fundamentals. If you find info that is inaccurate, you can file a dispute.

Ensure you’re clear on products that could potentially be deceitful, versus those that might simply be inaccurate. Your payment history is among the most essential elements of many FICO scoring models. Late and missed out on payments will lower your ratings, and public records and collections can cause significant damage.

Your scores typically consider the size and recency of your financial obligation. The bigger your financial obligation is and the more recent your missed payments are, the even worse your score will be. Bringing accounts current and continuing to pay on time will practically always have a favorable influence on your credit history.

Essentially it’s the amount of all of your revolving financial obligation (such as your credit card balances) divided by the total credit that is readily available to you (or the total of all your credit limits). High credit usage rate can negatively impact your credit report. Usually, it’s an excellent idea to keep your credit usage rate below 30%.

There are two methods to lower your credit utilization rate: Reduce your financial obligation by settling your account balances. Increase your overall available credit by raising your credit line on an existing account or opening a new credit account. While increasing your credit limit may look like an appealing choice, it can be a risky relocation.

Furthermore, if you attempt to open a brand-new charge card, an query will appear on your credit report and temporarily decrease your credit rating. Lowering your balances on credit cards and other revolving credit accounts is most likely the better option to enhance your credit utilization rate, and, consequently, your credit scores.

Scoring models think about how much you owe and throughout how numerous different accounts. If you have financial obligation across a a great deal of accounts, it may be helpful to pay off some of the accounts, if you can. Paying for your debt is the goal of numerous who’ve accumulated debt in the past, however even after you pay the balance to no, consider keeping that account open.

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