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”

Request More Information

  • This field is for validation purposes and should be left unchanged.


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 Phinney Ridge, Washington residents

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

98109, 98108, 98104, 98107, 98106, 98101, 98103, 98102, 98105, 98154, 98122, 98121, 98126, 98125, 98178, 98174, 98177, 98144, 98146, 98195, 98199, 98118, 98119, 98116, 98117, 98115, 98112, 98164, 98134, 98136, 98133, 98111, 98113, 98114, 98124, 98127, 98129, 98139, 98141, 98145, 98161, 98165, 98170, 98175, 98181, 98185, 98191, 98194

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

Join Our Facebook Group

Get answers to all your credit repair questions by joining our credit repair tidbits facebook group


Now Hiring….

Data Entry Positions – Currently Filled
Commission Only Sales – Send Resume To


” You need 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 is worth.” Here’s how credit repair companies work and, if you’re thinking about using one, why you should think about credit therapy initially.

The companies typically guarantee to “manage all the heavy lifting” of dealing with the credit reporting firms, states McClary. Credit repair organizations are different from credit therapy companies, which are generally a free resource from nonprofit monetary education organizations that evaluate your finances, debt and credit reports with the objective of mentor you to improve and manage your financial circumstance.

To help prevent scammers, it is essential to research any credit repair work organization before accepting deal with it. There are “all sort of methods” to veterinarian credit repair companies, McClary says. Here’s someplace to begin. Guide clear of business that seem too great to be real. If the business says it can do any of the following, it’s a warning and likely an indication of a rip-off: Get rid of precise unfavorable details from your reports Legally create a new credit identity for you The company demands you pay before it supplies services Guarantee improved credit Once again, we suggest looking for out a credit therapist first.

Lots of credit repair work business begin by requesting a copy of your credit report from each of the 3 significant consumer credit bureaus Equifax, Experian and TransUnion. The company will evaluate your credit reports for negative marks, like Then, it will set a strategy for challenging mistakes and negotiating with creditors to remove those items.

Beware here. If you’ve had difficulty managing credit in the past, a brand-new account may not be the best option. Plus it’s not a terrific idea to take on more credit if you do not require it. The quantity you’ll pay and how it’s determined will differ depending on the company, but there’s a rule they need to follow.

Depending upon the business, you might pay a one-time flat cost, or spend for each negative mark the company removes from each of your reports. This might start around $35 per deletion and could range to $750 or more. The business may also charge by the month, ranging from $50 to $130 or more.

Consider how much work your reports require. If there are simply a couple of unfavorable products, you’ll likely be better off applying any costs toward paying for debt and contesting any errors in your credit reports yourself. The credit bureau generally has 30 days after receiving your disagreement to examine and confirm info.

The credit bureau is needed to send you the outcomes of the examination within five business days of the completion of the examination. But if the credit bureau figures out the dispute is “frivolous” it can select not to examine as long as it communicates that to you within 5 days.

However many consumers do not understand where to begin, says Gerri Detweiler, education director at Nav, which aims to help entrepreneur understand and handle their service credit. Here are some methods you can deal with enhancing your credit on your own. Consumers must “work out extreme caution” when thinking about dealing with a credit repair work business, McClary states.

Even if you find a business you’re comfortable with, the services might not work for your circumstance. Plus you ‘d likely conserve cash if you disputed any incorrect details in your credit reports yourself. The Credit Repair Work Organizations Act, or CROA, makes it unlawful for credit repair business to lie about their services and outcomes, and sets some extra rules.

Credit reporting companies have a number of requirements under CROA, some of that include Giving you a composed contract that explains your legal rights and the services they’ll offer Permitting you to cancel within 3 days without charge Fulfilling the guaranteed service prior to charging you or receiving fees If a credit repair business refuses to address your questions, demands payment in advance or fails to put promises in writing, “that’s part of the ‘smell test’ that tells you there’s something incorrect there,” McClary says.

We recommend considering credit counseling first. Ultimately, you might have the ability to rebuild your credit yourself. Dealing with your credit?.

Choosing the finest credit repair business to assist you enhance your credit history is a big choice. A common credit repair service will cost you a few hundred dollars and will take up to a year to complete their service. Picking the wrong credit repair business can wind up wasting cash and perhaps more significantly, your time.

Improving your credit rating can be the difference between whether you enter a new home, car, or perhaps a job. A higher credit history might likewise help you refinance your existing payments so you wind up paying less every month. A relied on credit repair company can lend their proficiency and help you on your way to achieving these outcomes.

The procedure of fixing your credit can involve a lot more than simply contesting your credit with the credit bureaus. You must ensure to utilize a credit repair work company that can fulfill all of your credit needs. When the majority of people believe of credit repair work they think about a process that has actually ended up being called credit report repair.

This component of credit repair work has actually assisted lots of individuals with incorrect, incomplete, or unverifiable info on their credit reports enhance their credit history. While credit report repair is an excellent start, lots of people find that it is inadequate. Credit report repair when the credit bureaus are unable to confirm that the doubtful items in your credit reports need to be there.

Request More Information

  • This field is for validation purposes and should be left unchanged.