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 West Lake Stevens, 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

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


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

A simple method to do this is to know a few of the laws that govern credit repair work business. These laws as specified in the Credit Repair Organizations Act were designed to protect you from credit repair scams while likewise protecting your right to get assist with repairing your credit reports.

In a common credit repair rip-off, the so called credit repair company charges a big in advance cost (numerous hundreds or even countless dollars) for service. This allows them to gather their money, prevent carrying out the concurred upon credit repair work, and vanish when too numerous people begin grumbling. Under the Credit Repair Organizations Act, credit repair business are just allowed to bill for services after they have actually been performed.

The 2nd law you must understand about addresses another typical credit repair scam referred to as file segregation. File partition is the extremely illegal procedure of developing a brand-new credit identity with the credit bureaus. This new tidy credit identity is then utilized when applying for credit due to the fact that it does not include any of the doubtful items on your genuine credit reports.

Some extra guidelines explained in the Credit Repair Organizations Act make it prohibited for any credit repair company to guarantee your credit score will increase, to not notify you that you can fix your credit on your own, and to not enable you to cancel service whenever you desire.

The BBB keeps notes on grievances made versus business. If the BBB report for a credit repair company lists several unresolved complaints or an overall low score, you should be wary of the company. In addition, beware of any credit repair company that does not list credit repair work services as one of their offerings in their BBB filing.

There’s absolutely nothing a credit repair work service can legally provide for you even removing incorrect details that you can’t do for yourself for little or no expense. And the cost of employing such a business can be significant, varying from hundreds to thousands of dollars. The Credit Repair Organizations Act is a federal law that became effective on April 1, 1997 in action to a number of consumers who had actually experienced credit repair work rip-offs.

Are required to supply customers with a composed agreement stating all the services to be supplied in addition to the terms and conditions of payment. Under the law, customers have three days to withdraw from the contract. Are prohibited to ask or recommend that you mislead credit reporting companies about your charge account 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 implemented. There is no fast repair for your credit. Details that is unfavorable but precise (such as late payments and delinquencies) will stay on your credit report for 7-10 years.

To get a better understanding of your credit image and what lending institutions can see, check 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 learn more about credit reports in general, you can check out credit report fundamentals. If you discover details that is inaccurate, you can file a disagreement.

Ensure you’re clear on items that might possibly be fraudulent, versus those that may merely be incorrect. Your payment history is among the most crucial elements of numerous FICO scoring models. Late and missed out on payments will lower your ratings, and public records and collections can trigger considerable damage.

Your scores frequently take into account the size and recency of your financial obligation. The bigger your financial obligation is and the more recent your missed out on payments are, the even worse your score will be. Bringing accounts current and continuing to pay on time will often have a positive impact on your credit report.

Basically it’s the sum of all of your revolving financial obligation (such as your credit card balances) divided by the overall credit that is readily available to you (or the total of all your credit limitations). High credit usage rate can negatively affect your credit report. Typically, it’s an excellent concept to keep your credit utilization rate below 30%.

There are two methods to reduce your credit usage rate: Lower your financial obligation by settling your account balances. Increase your overall readily available credit by raising your credit line on an existing account or opening a new charge account. While increasing your credit line might appear like an enticing option, it can be a dangerous relocation.

In addition, if you try to open a brand-new charge card, an questions will appear on your credit report and briefly minimize your credit history. Lowering your balances on credit cards and other revolving credit accounts is likely the better alternative to enhance your credit utilization rate, and, subsequently, your credit report.

Scoring models think about just how much you owe and across the number of various accounts. If you have debt across a a great deal of accounts, it might be useful to pay off a few of the accounts, if you can. Paying down your debt is the objective of many who’ve accumulated financial obligation in the past, but even after you pay the balance to zero, think about keeping that account open.

Request More Information

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