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 Kelso, Washington residents

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

98626, 98632

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 present credit scenario, you may be best served by a credit repair work business specializing exclusively in credit report repair work or one that can likewise offer a complete catalog of credit repair services. The Credit Repair Organizations Act is developed to safeguard you from credit repair rip-offs. Regrettably, credit repair work is a market that has actually gotten a bad track record because of the promotion managed to credit repair work rip-offs.

An easy way to do this is to understand a few of the laws that govern credit repair work business. These laws as defined in the Credit Repair Work Organizations Act were designed to safeguard you from credit repair work frauds while likewise safeguarding your right to get assist with repairing your credit reports.

In a typical credit repair work rip-off, the so called credit repair work business charges a large upfront fee (numerous hundreds or even thousands of dollars) for service. This permits them to collect their money, avoid carrying out the agreed upon credit repair work, and disappear when too many individuals start grumbling. Under the Credit Repair Work Organizations Act, credit repair business are just allowed to costs for services after they have been carried out.

The second law you should understand about addresses another common credit repair work scam understood as file segregation. File partition is the highly prohibited process of creating a new credit identity with the credit bureaus. This new clean credit identity is then used when obtaining credit because it does not consist of any of the questionable items on your genuine credit reports.

Some additional standards explained in the Credit Repair Organizations Act make it illegal for any credit repair work business to promise your credit history will increase, to not notify you that you deserve to fix your credit by yourself, and to not permit you to cancel service whenever you desire.

The BBB keeps notes on grievances made against business. If the BBB report for a credit repair work company lists numerous unsolved grievances or an overall low rating, you must be cautious of the company. In addition, beware of any credit repair company 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 removing incorrect details that you can’t provide for yourself for little or no expenditure. And the expense of employing such a company can be significant, varying from hundreds to thousands of dollars. The Credit Repair Work Organizations Act is a federal law that ended up being effective on April 1, 1997 in action to a variety of consumers who had struggled with credit repair frauds.

Are required to provide customers with a written agreement specifying all the services to be offered in addition to the terms of payment. Under the law, customers have three days to withdraw from the contract. Are prohibited to ask or suggest that you misguide credit reporting business about your charge account or modify 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 Organizations Act. Any waiver that you sign can not be imposed. There is no fast fix for your credit. Details that is unfavorable but precise (such as late payments and delinquencies) will remain on your credit report for 7-10 years.

To get a better understanding of your credit photo and what lenders can see, examine your credit report. If you require assistance reading your report, you can discover more about how to read your Experian credit report. If you want to find out more about credit reports in general, you can check out credit report basics. If you find info that is inaccurate, you can submit a conflict.

Make certain you’re clear on items that could potentially be deceitful, versus those that may just be incorrect. Your payment history is among the most important elements of lots of FICO scoring designs. Late and missed payments will minimize your ratings, and public records and collections can trigger significant damage.

Your ratings often consider the size and recency of your debt. The bigger your debt is and the more recent your missed out on payments are, the even worse your score will be. Bringing accounts present and continuing to pay on time will often have a favorable influence on your credit scores.

Basically 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 overall of all your credit limits). High credit utilization rate can negatively impact your credit scores. Generally, it’s a good concept to keep your credit utilization rate below 30%.

There are two methods to reduce your credit utilization rate: Reduce your financial obligation by settling your account balances. Increase your overall offered credit by raising your credit line on an existing account or opening a brand-new charge account. While increasing your credit line may seem like an appealing alternative, it can be a dangerous move.

Furthermore, if you attempt to open a new charge card, an query will appear on your credit report and temporarily lower your credit rating. Lowering your balances on charge card and other revolving credit accounts is most likely the better choice to enhance your credit utilization rate, and, consequently, your credit report.

Scoring designs think about just how much you owe and across how many different accounts. If you have financial obligation throughout a large number of accounts, it may be beneficial to settle some of the accounts, if you can. Paying down your financial obligation is the goal of numerous who have actually accrued financial obligation in the past, but even after you pay the balance down to absolutely no, think about keeping that account open.

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