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 West Bellevue, Washington residents

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

98004, 98005, 98006, 98007, 98008, 98009, 98015

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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Depending on your current credit situation, you may be best served by a credit repair company specializing exclusively in credit report repair work or one that can also supply a full brochure of credit repair services. The Credit Repair Work Organizations Act is developed to secure you from credit repair frauds. Regrettably, credit repair is a market that has gotten a bad reputation since of the publicity afforded to credit repair work scams.

An easy method to do this is to know a few of the laws that govern credit repair companies. These laws as defined in the Credit Repair Work Organizations Act were designed to safeguard you from credit repair work scams while also safeguarding your right to get aid with repairing your credit reports.

In a typical credit repair fraud, the so called credit repair business charges a large upfront fee (many hundreds or perhaps thousands of dollars) for service. This enables them to collect their cash, avoid carrying out the concurred upon credit repair work, and vanish when too numerous people begin grumbling. Under the Credit Repair Work Organizations Act, credit repair work companies are only allowed to expense for services after they have actually been carried out.

The 2nd law you should learn about addresses another typical credit repair work rip-off understood as file partition. File partition is the highly unlawful process of creating a new credit identity with the credit bureaus. This new tidy credit identity is then utilized when obtaining credit due to the fact that it does not include any of the questionable products on your real credit reports.

Some additional standards explained in the Credit Repair work Organizations Act make it unlawful for any credit repair work company to guarantee your credit score will increase, to not inform you that you deserve to fix your credit on your own, and to not allow you to cancel service whenever you desire.

The BBB keeps notes on grievances made versus companies. If the BBB report for a credit repair business lists multiple unsolved problems or a general low ranking, you need to watch out for the business. In addition, beware of any credit repair work company that does not list credit repair work services as one of their offerings in their BBB filing.

There’s nothing a credit repair work service can legally provide for you even getting rid of incorrect information that you can’t provide for yourself for little or no expenditure. And the expense of working with such a business can be significant, varying from hundreds to thousands of dollars. The Credit Repair Organizations Act is a federal law that ended up being reliable on April 1, 1997 in action to a variety of consumers who had actually struggled with credit repair work scams.

Are required to provide consumers with a composed agreement specifying all the services to be supplied along with the terms of payment. Under the law, customers have three days to withdraw from the contract. Are forbidden to ask or suggest that you misinform credit reporting business about your charge account or alter your identity to alter 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 implemented. There is no fast fix for your credit. Details that is unfavorable however accurate (such as late payments and delinquencies) will stay on your credit report for 7-10 years.

To get a better understanding of your credit photo and what lending institutions can see, inspect your credit report. If you need aid reading your report, you can learn more about how to read your Experian credit report. If you wish to find out more about credit reports in general, you can check out about credit report basics. If you find information that is incorrect, you can file a dispute.

Make sure you’re clear on products that might potentially be deceitful, versus those that might merely be unreliable. Your payment history is one of the most important elements of many FICO scoring models. Late and missed payments will decrease your scores, and public records and collections can cause significant damage.

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

Essentially it’s the sum of all of your revolving debt (such as your charge card balances) divided by the overall credit that is available to you (or the total of all your credit line). High credit usage rate can negatively affect your credit rating. Usually, it’s a great concept to keep your credit utilization rate below 30%.

There are 2 ways to lower your credit usage rate: Minimize your financial obligation by paying off your account balances. Increase your overall available credit by raising your credit line on an existing account or opening a brand-new charge account. While increasing your credit limitation might appear like an attractive option, it can be a dangerous move.

Furthermore, if you attempt to open a new charge card, an questions will appear on your credit report and briefly reduce your credit rating. Reducing your balances on credit cards and other revolving credit accounts is likely the better option to enhance your credit utilization rate, and, consequently, your credit report.

Scoring models think about how much you owe and across how many various accounts. If you have debt across a a great deal of accounts, it might be advantageous to pay off a few of the accounts, if you can. Paying for your debt is the goal of many who have actually accumulated debt in the past, however even after you pay the balance down to zero, consider keeping that account open.

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