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 Whittier, 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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Depending upon your current credit situation, you may be best served by a credit repair work company specializing solely in credit report repair or one that can likewise supply a complete catalog of credit repair services. The Credit Repair Organizations Act is designed to safeguard you from credit repair rip-offs. Sadly, credit repair work is a market that has actually gotten a bad credibility because of the publicity managed to credit repair frauds.

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 Organizations Act were designed to protect you from credit repair rip-offs while likewise protecting your right to get aid with repairing your credit reports.

In a typical credit repair fraud, the so called credit repair company charges a large upfront cost (lots of hundreds or perhaps countless dollars) for service. This permits them to gather their money, prevent performing the agreed upon credit repair, and disappear when a lot of individuals start grumbling. Under the Credit Repair Work Organizations Act, credit repair companies are just permitted to expense for services after they have been performed.

The second law you need to learn about addresses another typical credit repair work fraud called file segregation. Submit partition is the highly prohibited procedure of developing a brand-new credit identity with the credit bureaus. This new tidy credit identity is then utilized when obtaining credit since it does not consist of any of the doubtful products on your real credit reports.

Some extra guidelines explained in the Credit Repair work Organizations Act make it illegal for any credit repair work business to promise your credit history will increase, to not notify you that you can 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 score, you need to be wary of the company. 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 lawfully provide for you even removing wrong details that you can’t do for yourself for little or no expense. And the cost 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 ended up being efficient on April 1, 1997 in response to a variety of consumers who had actually experienced credit repair rip-offs.

Are required to supply customers with a composed contract stating all the services to be supplied as well as the terms of payment. Under the law, customers have three days to withdraw from the contract. Are prohibited to ask or suggest that you misinform credit reporting business about your charge account or alter your identity to alter 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 quick repair for your credit. Info that is negative however accurate (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, check your credit report. If you need assistance reading your report, you can find out more about how to read your Experian credit report. If you wish to discover 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 certain you’re clear on items that could potentially be deceitful, versus those that may just be inaccurate. Your payment history is one of the most essential components of many FICO scoring designs. Late and missed out on payments will lower your scores, and public records and collections can cause substantial damage.

Your scores often take into consideration the size and recency of your debt. The bigger your debt is and the more recent your missed out on payments are, the worse your rating will be. Bringing accounts current and continuing to pay on time will almost always have a favorable effect on your credit ratings.

Essentially it’s the sum of all of your revolving financial obligation (such as your credit card balances) divided by the overall credit that is offered to you (or the total of all your credit line). High credit usage rate can adversely affect your credit report. Generally, it’s an excellent concept to keep your credit utilization rate listed below 30%.

There are 2 methods to lower your credit utilization rate: Reduce 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 new credit account. While increasing your credit limitation may appear like an appealing alternative, it can be a dangerous move.

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

Scoring designs think about how much you owe and throughout how numerous various accounts. If you have financial obligation throughout a a great deal of accounts, it might be helpful to pay off some of the accounts, if you can. Paying down your financial obligation is the objective of lots of who’ve accrued debt in the past, however even after you pay the balance down to absolutely no, consider keeping that account open.

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