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 Shelter Bay, 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

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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Now Hiring In Shelter Bay Washington

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Depending on your current credit scenario, you may be finest served by a credit repair work business specializing solely in credit report repair or one that can likewise offer a complete brochure of credit repair services. The Credit Repair Organizations Act is created to safeguard you from credit repair work rip-offs. Unfortunately, credit repair work is an industry that has gotten a bad track record because of the publicity afforded to credit repair frauds.

An easy way to do this is to understand a few of the laws that govern credit repair work companies. These laws as defined in the Credit Repair Organizations Act were designed to secure you from credit repair rip-offs while likewise protecting your right to get assist with repairing your credit reports.

In a typical credit repair rip-off, the so called credit repair company charges a large upfront charge (numerous hundreds and even thousands of dollars) for service. This allows them to gather their cash, prevent performing the concurred upon credit repair, and disappear when a lot of people start complaining. Under the Credit Repair Organizations Act, credit repair business are just permitted to costs for services after they have been performed.

The second law you should understand about addresses another typical credit repair work fraud called file segregation. File partition is the highly prohibited procedure of creating a brand-new credit identity with the credit bureaus. This brand-new tidy credit identity is then used when using for credit due to the fact that it does not consist of any of the doubtful products on your genuine credit reports.

Some extra standards described in the Credit Repair Organizations Act make it unlawful for any credit repair work business to promise your credit rating will increase, to not inform you that you can fix your credit on your own, and to not allow you to cancel service whenever you want.

The BBB keeps notes on problems made against business. If the BBB report for a credit repair company lists multiple unresolved complaints or a general low rating, you ought to watch out for the business. In addition, beware of any credit repair 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 do for you even eliminating incorrect details that you can’t do for yourself for little or no expenditure. And the expense of employing such a company can be considerable, ranging from hundreds to countless dollars. The Credit Repair Work Organizations Act is a federal law that became efficient on April 1, 1997 in response to a number of customers who had actually struggled with credit repair rip-offs.

Are needed to offer consumers with a written contract specifying all the services to be offered in addition to the terms of payment. Under the law, customers have 3 days to withdraw from the contract. Are prohibited to ask or suggest that you misguide credit reporting companies about your credit accounts or alter your identity to change your credit report.

Can not ask you to sign anything that states that you are surrendering your rights under the Credit Repair Organizations Act. Any waiver that you sign can not be imposed. There is no quick repair for your credit. Information that is negative however precise (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 picture and what lending institutions can see, check your credit report. If you require assistance reading your report, you can discover more about how to read your Experian credit report. If you desire to discover more about credit reports in general, you can check out about credit report fundamentals. If you find info that is inaccurate, you can submit a disagreement.

Ensure you’re clear on products that might potentially be fraudulent, versus those that might just be unreliable. Your payment history is one of the most essential elements of numerous FICO scoring models. Late and missed out on payments will decrease your ratings, and public records and collections can cause substantial damage.

Your ratings frequently take into account the size and recency of your financial obligation. The bigger your financial obligation is and the more recent your missed payments are, the worse your rating will be. Bringing accounts current and continuing to pay on time will generally have a favorable impact on your credit history.

Generally it’s the sum of all of your revolving financial obligation (such as your credit card balances) divided by the total credit that is offered to you (or the total of all your credit limitations). High credit utilization rate can adversely affect your credit rating. Usually, it’s a great idea to keep your credit utilization rate listed below 30%.

There are 2 ways to lower your credit usage rate: Decrease your debt 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 line might appear like an appealing option, it can be a dangerous move.

In addition, if you attempt to open a brand-new charge card, an questions will appear on your credit report and momentarily decrease your credit report. Reducing your balances on charge card and other revolving credit accounts is most likely the better alternative to improve your credit usage rate, and, subsequently, your credit rating.

Scoring designs consider just how much you owe and across the number of different accounts. If you have financial obligation throughout a large number of accounts, it might be useful to pay off some of the accounts, if you can. Paying for your financial obligation is the objective of many who’ve accumulated debt in the past, but even after you pay the balance down to absolutely no, think about keeping that account open.

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