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 Puget Island, 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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Depending upon your current credit situation, you might be best 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 services. The Credit Repair Work Organizations Act is designed to protect you from credit repair work scams. Unfortunately, credit repair is an industry that has gotten a bad credibility 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 designed to safeguard you from credit repair frauds while also protecting your right to get assist with repairing your credit reports.

In a common credit repair work fraud, the so called credit repair business charges a large upfront charge (numerous hundreds or perhaps countless dollars) for service. This permits them to collect their cash, avoid performing the concurred upon credit repair work, and disappear when a lot of people start complaining. Under the Credit Repair Work Organizations Act, credit repair business are only allowed to bill for services after they have actually been performed.

The 2nd law you must understand about addresses another typical credit repair rip-off called file partition. File partition is the highly unlawful procedure of producing a brand-new credit identity with the credit bureaus. This new tidy credit identity is then utilized when obtaining credit because it does not contain any of the questionable products on your genuine credit reports.

Some extra standards explained in the Credit Repair Organizations Act make it unlawful for any credit repair company to guarantee your credit rating will increase, to not inform you that you have the right to repair your credit by yourself, and to not permit you to cancel service whenever you desire.

The BBB keeps notes on complaints made versus companies. If the BBB report for a credit repair company lists several unresolved grievances or an overall low rating, you should watch out for the company. 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 nothing a credit repair service can legally provide for you even eliminating incorrect info that you can’t do for yourself for little or no cost. And the expense of working with such a company can be substantial, varying from hundreds to countless dollars. The Credit Repair Organizations Act is a federal law that became reliable on April 1, 1997 in reaction to a variety of consumers who had suffered from credit repair scams.

Are required to supply consumers with a written agreement stating all the services to be supplied in addition to the terms and conditions of payment. Under the law, customers have 3 days to withdraw from the agreement. Are forbidden to ask or suggest that you mislead credit reporting companies about your charge account or change your identity to change your credit rating.

Can not ask you to sign anything that states that you are surrendering your rights under the Credit Repair Work Organizations Act. Any waiver that you sign can not be imposed. There is no quick repair for your credit. Details that is unfavorable however precise (such as late payments and delinquencies) will remain on your credit report for 7-10 years.

To get a much better understanding of your credit image and what lenders can see, inspect your credit report. If you require aid reading your report, you can discover more about how to read your Experian credit report. If you wish to discover more about credit reports in general, you can check out credit report essentials. If you find information that is inaccurate, you can file a conflict.

Ensure you’re clear on products that might potentially be fraudulent, versus those that might simply be incorrect. Your payment history is one of the most crucial parts of lots of FICO scoring models. Late and missed out on payments will reduce your ratings, and public records and collections can trigger considerable damage.

Your scores often take into consideration the size and recency of your financial obligation. The bigger your debt is and the more recent your missed out on payments are, the worse your score will be. Bringing accounts existing and continuing to pay on time will generally have a favorable influence on your credit ratings.

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 available to you (or the total of all your credit limits). High credit usage rate can negatively impact your credit history. Usually, it’s an excellent idea to keep your credit utilization rate listed below 30%.

There are 2 methods to minimize your credit utilization rate: Decrease your debt by paying off your account balances. Increase your total readily available credit by raising your credit line on an existing account or opening a new credit account. While increasing your credit line might appear like an attractive choice, it can be a dangerous relocation.

In addition, if you attempt to open a brand-new charge card, an query will appear on your credit report and temporarily lower your credit report. Minimizing your balances on charge card and other revolving credit accounts is likely the much better alternative to improve your credit usage rate, and, subsequently, your credit scores.

Scoring models think about just how much you owe and across how many various accounts. If you have financial obligation throughout a big number of accounts, it may be advantageous to pay off some of the accounts, if you can. Paying down your debt is the goal of lots of who have actually accumulated debt in the past, but even after you pay the balance down to no, consider keeping that account open.

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