Three words on everybody’s mind…

Improve My Credit

Allowing a credit repair company to do this will always be faster than waiting 5-7 years for negative accounts to fall off. You understand credit is power, so understand that we cut down the waiting process by helping you get that higher score faster.

Our Process

There is no secret to the sauce, we raise a low credit score to a great score by challenging and removing negative accounts that bring the score down.

Identify

Once we have a overview of your credit history we will customize a plan that outlines all of the necessary actions to restore your credit.

Remove

If any negative accounts or items cannot be proven to be accurate, fair, or substantiated they are required by law to be removed.

Celebrate

Take a moment to celebrate when a negative item is removed from your credit report and remember this is only the beginning.

How the credit reporting agencies…

Determine Your Score

The percentages in this chart show the impact of each category in determining your credit score.

What Is The Biggest Credit Challenge You're Facing Right Now?

We understand the frustration and headache because we solve this problem everyday.

  • You’re sick and tired of debt collectors and past due statements coming in the mail…
  • You get nauseous when you hear sentences like “our bank can not approve you” and “you have too many late payments”.
  • You want to finally dig yourself out of this hole and free yourself of the burden of debt…​

A Big Difference

We’re here to help you find the easiest and most productive way to free yourself of your debt. To do this, we represent you in front of credit bureaus and we make sure…
  • Your hard inquires are REMOVED.
  • Errors in your credit report are REMOVED.
  • Inaccurate accounts are REMOVED.
  • Old debts are REMOVED.
  • Unverifiable collections are REMOVED.
    We’ve even gotten bankruptcy removed.

"How are my habits reflected in my score?"

stack of multicolored credit cards on black background

What happens if I don’t pay my bills on time?

Payment history is a major factor that is counted toward your credit score. If you have late payments, collections, or a bankruptcy these items will make your credit score drop.

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Do I need a long credit history?

Payment history is a major factor that is counted toward your credit score. If you have late payments, collections, or a bankruptcy these items will make your credit score drop.

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What happens if I don’t pay my bills on time?

Payment history is a major factor that is counted toward your credit score. If you have late payments, collections, or a bankruptcy these items will make your credit score drop.

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Do I need a long credit history?

Payment history is a major factor that is counted toward your credit score. If you have late payments, collections, or a bankruptcy these items will make your credit score drop.

Home Mortgage

Bad credit in auto financing can really hurt, but it is nothing compared to the cost of bad credit when a home is involved. A typical home can cost between $50,000 and $130,000 more in interest if you are buying the home with bad credit.

Credit StatusRatePaymentCost Of Bad Credit
Excellent3.9%$1,179.17$0.00
Mildly Damaged5.0%$1,342.05$58,637
Damaged6.3%$1,547.43$132,574

Automobile Financing

If you are making payments on a car, you are probably paying between $1,500 and $5,000 more just for having bad credit. This added interest shows up every month in a higher payment. Take a look.

Credit StatusRatePaymentCost Of Bad Credit
Excellent6.8%$394$0.00
Mildly Damaged9.7%$422$4,740
Damaged14.7%$473$6,967

Our Awesome Testimonials!

Watch this video to see how credit repair companies like Credible Concepts improve your credit score.