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 Zenith, Washington residents

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

98148, 98198

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 existing credit scenario, you may be finest served by a credit repair work company specializing exclusively in credit report repair or one that can likewise offer a complete catalog of credit repair work services. The Credit Repair Organizations Act is developed to protect you from credit repair scams. Regrettably, credit repair is an industry that has actually gotten a bad credibility since of the publicity paid for to credit repair frauds.

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

In a typical credit repair work scam, the so called credit repair work company charges a big upfront cost (lots of hundreds and even thousands of dollars) for service. This enables them to gather their cash, avoid carrying out the agreed upon credit repair work, and vanish when too many individuals start complaining. Under the Credit Repair Organizations Act, credit repair work companies are just permitted to bill for services after they have been carried out.

The 2nd law you need to understand about addresses another common credit repair work fraud understood as file partition. File partition is the highly prohibited process of creating a new credit identity with the credit bureaus. This new clean credit identity is then utilized when getting credit due to the fact that it does not consist of any of the questionable items on your genuine credit reports.

Some additional standards explained in the Credit Repair work Organizations Act make it unlawful for any credit repair work company to promise your credit history will increase, to not notify you that you deserve to fix your credit by yourself, and to not allow 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 unresolved complaints or a total low ranking, you need to be cautious of the company. In addition, beware of any credit repair business 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 lawfully do for you even eliminating incorrect info that you can’t provide for yourself for little or no expense. And the expense of hiring such a company can be significant, ranging from hundreds to countless dollars. The Credit Repair Organizations Act is a federal law that ended up being reliable on April 1, 1997 in reaction to a number of customers who had struggled with credit repair scams.

Are required to offer consumers with a written agreement stating all the services to be provided in addition to the 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 credit accounts or alter your identity to change your credit history.

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 enforced. There is no fast fix for your credit. Details that is negative however 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 loan providers can see, check your credit report. If you require aid reading your report, you can find out more about how to read your Experian credit report. If you desire to learn more about credit reports in general, you can check out credit report basics. If you find details that is inaccurate, you can file a disagreement.

Make sure you’re clear on items that might possibly be fraudulent, versus those that might simply be inaccurate. Your payment history is one of the most crucial parts of many FICO scoring models. Late and missed out on payments will lower your ratings, and public records and collections can cause substantial damage.

Your scores typically take into account the size and recency of your financial obligation. The larger your debt 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 effect on your credit report.

Generally it’s the sum of all of your revolving financial obligation (such as your charge card balances) divided by the overall credit that is readily available to you (or the overall of all your credit limitations). High credit usage rate can adversely impact your credit history. Usually, it’s a good concept to keep your credit usage rate listed below 30%.

There are 2 methods to decrease your credit utilization rate: Reduce your debt by settling your account balances. Increase your overall offered credit by raising your credit limitation on an existing account or opening a brand-new credit account. While increasing your credit limit may seem like an attractive alternative, it can be a dangerous relocation.

Furthermore, if you attempt to open a new charge card, an query will appear on your credit report and temporarily reduce your credit report. Reducing your balances on charge card and other revolving credit accounts is likely the much better option to enhance your credit usage rate, and, subsequently, your credit ratings.

Scoring designs think about how much you owe and throughout the number of different accounts. If you have financial obligation throughout a a great deal of accounts, it might be beneficial to pay off some of the accounts, if you can. Paying down your debt is the goal of lots of who’ve accrued debt in the past, however even after you pay the balance down to zero, think about keeping that account open.

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