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 Northwest Spokane, Washington residents

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

99201, 99203, 99202, 99205, 99204, 99207, 99208, 99224, 99223, 99001, 99212, 99209, 99210, 99219, 99220, 99252, 99256, 99258, 99260

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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” You need to weigh the expense benefit of paying someone else to do those things for you, versus doing those things on your own and what your time deserves.” Here’s how credit repair work companies work and, if you’re considering utilizing one, why you ought to consider credit therapy initially.

The companies often promise to “manage all the heavy lifting” of working with the credit reporting agencies, states McClary. Credit repair companies are different from credit therapy agencies, which are typically a complimentary resource from not-for-profit financial education organizations that review your financial resources, financial obligation and credit reports with the objective of teaching you to improve and manage your financial circumstance.

To help avoid scammers, it’s important to research any credit repair company prior to accepting work with it. There are “all kinds of methods” to vet credit repair companies, McClary states. Here’s somewhere to start. Steer clear of companies that appear too excellent to be true. If the company states it can do any of the following, it’s a red flag and likely a sign of a rip-off: Eliminate precise unfavorable info from your reports Lawfully produce a brand-new credit identity for you The company demands you pay prior to it supplies services Warranty enhanced credit Once again, we recommend looking for a credit therapist initially.

Many credit repair work companies start by asking for a copy of your credit report from each of the 3 significant consumer credit bureaus Equifax, Experian and TransUnion. The business will examine your credit reports for bad marks, like Then, it will set a prepare for challenging mistakes and working out with creditors to remove those items.

Be mindful here. If you’ve had difficulty managing credit in the past, a brand-new account may not be the very best alternative. Plus it’s not a great idea to handle more credit if you do not require it. The quantity you’ll pay and how it’s calculated will vary depending on the company, however there’s a guideline they have to follow.

Depending on the company, you may pay a one-time flat charge, or pay for each bad mark the business removes from each of your reports. This may start around $35 per removal and might range to $750 or more. The company might also charge by the month, varying from $50 to $130 or more.

Think of just how much work your reports require. If there are just a couple of unfavorable products, you’ll likely be much better off using any charges towards paying down debt and contesting any mistakes in your credit reports yourself. The credit bureau typically has one month after receiving your disagreement to examine and verify info.

The credit bureau is needed to send you the results of the examination within 5 business days of the completion of the investigation. But if the credit bureau identifies the dispute is “unimportant” it can select not to investigate as long as it communicates that to you within 5 days.

However lots of consumers don’t understand where to begin, says Gerri Detweiler, education director at Nav, which intends to help entrepreneur comprehend and manage their service credit. Here are some methods you can deal with improving your credit by yourself. Customers should “exercise extreme caution” when considering working with a credit repair company, McClary states.

Even if you discover a business you’re comfortable with, the services may not work for your scenario. Plus you ‘d likely conserve money if you disputed any inaccurate details in your credit reports yourself. The Credit Repair Organizations Act, or CROA, makes it illegal for credit repair work companies to lie about their services and results, and sets some additional guidelines.

Credit reporting business have a number of requirements under CROA, a few of which consist of Offering you a composed agreement that explains your legal rights and the services they’ll offer Allowing you to cancel within 3 days without charge Satisfying the promised service prior to charging you or getting fees If a credit repair work company refuses to answer your concerns, demands payment in advance or stops working to put promises in writing, “that belongs to the ‘smell test’ that tells you there’s something wrong there,” McClary states.

We recommend thinking about credit therapy first. Eventually, you might be able to reconstruct your credit yourself. Dealing with your credit?.

Picking the very best credit repair work company to assist you enhance your credit report is a huge choice. A common credit repair service will cost you a few hundred dollars and will use up to a year to complete their service. Selecting the incorrect credit repair business can end up losing cash and perhaps more notably, your time.

Improving your credit report can be the difference between whether or not you enter a new home, cars and truck, or perhaps a job. A higher credit history might likewise help you re-finance your existing payments so you wind up paying less monthly. A trusted credit repair work company can lend their competence and help you on your method to achieving these results.

The process of repairing your credit can include a lot more than merely contesting your credit with the credit bureaus. You should ensure to utilize a credit repair company that can meet all of your credit requirements. When many individuals consider credit repair they think about a process that has ended up being called credit report repair.

This component of credit repair work has actually helped lots of individuals with incorrect, incomplete, or unverifiable details on their credit reports enhance their credit ratings. While credit report repair work is a good start, many individuals discover that it is inadequate. Credit report repair works when the credit bureaus are unable to validate that the doubtful products in your credit reports must exist.

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