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 Park Rapids, 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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” You have to weigh the cost advantage of paying somebody else to do those things for you, versus doing those things by yourself and what your time deserves.” Here’s how credit repair work business work and, if you’re considering utilizing one, why you should consider credit therapy first.

The companies frequently assure to “handle all the heavy lifting” of working with the credit reporting companies, says McClary. Credit repair organizations are various from credit therapy firms, which are usually a totally free resource from nonprofit monetary education organizations that review your financial resources, financial obligation and credit reports with the objective of teaching you to enhance and handle your financial circumstance.

To assist prevent fraudsters, it is necessary to investigate any credit repair work organization prior to accepting work with it. There are “all type of ways” to vet credit repair work companies, McClary says. Here’s somewhere to start. Stay away from business that appear too good 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 scam: Get rid of accurate negative details from your reports Lawfully create a brand-new credit identity for you The business demands you pay prior to it supplies services Warranty improved credit Again, we recommend looking for a credit counselor initially.

Numerous credit repair companies start by asking for a copy of your credit report from each of the 3 significant customer 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 errors and negotiating with financial institutions to remove those products.

Be cautious here. If you’ve had trouble managing credit in the past, a new account may not be the best choice. Plus it’s not a terrific idea to handle more credit if you do not need it. The amount you’ll pay and how it’s computed will vary depending on the business, but there’s a rule they have to follow.

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

Think about just how much work your reports require. If there are just one or 2 negative items, you’ll likely be much better off using any costs toward paying for financial obligation and disputing any mistakes in your credit reports yourself. The credit bureau normally has 30 days after getting your conflict to examine and confirm details.

The credit bureau is required to send you the results of the examination within five business days of the completion of the investigation. But if the credit bureau identifies the dispute is “unimportant” it can pick not to examine as long as it interacts that to you within five days.

However many customers do not understand where to start, says Gerri Detweiler, education director at Nav, which aims to help company owner understand and handle their company credit. Here are some ways you can work on improving your credit on your own. Consumers should “exercise extreme caution” when thinking about dealing with a credit repair work business, McClary says.

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

Credit reporting companies have a variety of requirements under CROA, a few of which consist of Giving you a written agreement that describes your legal rights and the services they’ll provide Permitting you to cancel within 3 days without charge Fulfilling the assured service prior to charging you or receiving costs If a credit repair work company declines to answer your questions, demands payment in advance or fails to put guarantees in writing, “that becomes part of the ‘smell test’ that tells you there’s something incorrect there,” McClary says.

We suggest thinking about credit therapy first. Eventually, you might have the ability to reconstruct your credit yourself. Working on your credit?.

Selecting the very best credit repair company to help you enhance your credit rating is a big decision. A typical credit repair service will cost you a few hundred dollars and will take up to a year to finish their service. Choosing the incorrect credit repair work business can wind up squandering money and perhaps more importantly, your time.

Improving your credit history can be the difference in between whether you enter into a new house, automobile, or even a job. A higher credit history might also help you re-finance your existing payments so you wind up paying less each month. A relied on credit repair business can lend their proficiency and help you on your method to attaining these results.

The process of repairing your credit can include far more than simply contesting your credit with the credit bureaus. You should make certain to use a credit repair work business that can satisfy all of your credit requirements. When many people think about credit repair they think about a procedure that has actually become known as credit report repair.

This component of credit repair work has actually assisted lots of people with erroneous, insufficient, or unverifiable details on their credit reports enhance their credit report. While credit report repair is a great start, many people find that it is not enough. Credit report repair work works when the credit bureaus are unable to validate that the doubtful items in your credit reports must exist.

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