Credit repair & restoration
service in NYC
Only pay if your credit repair is a success. A+ BBB, 5 star Yelp.
Good credit makes for a good life
Studies show that 80% of your life’s biggest decisions will involve credit.
BUY OR REFINANCE YOUR HOME
ACCOMPLISH YOUR FINANCIAL GOALS
PURCHASE A NEW VEHICLE
LOWER YOUR INTEREST RATES
QUALIFY FOR A BETTER JOB
GET APPROVED FOR CREDIT CARDS
REDUCE STRESS IN YOUR RELATIONSHIPS
SAVE THOUSANDS OF DOLLARS A YEAR
We increase your score by removing inaccuracies
79% of credit reports contain mistakes. By law, the Bureaus must prove it or remove it.
LATE PAYMENT DELETION
MEDICAL BILL DELETION
TAX LIEN Deletion
Getting started is as easy as 1-2-3.
Free phone consultation (required by law) to ensure our services will benefit your unique situation.
Signing up takes minutes; we only need a few pieces of info and a credit report from each Bureau to start (we’ll show you where to get these).
We go after creditors and Bureaus on your behalf, handling all legal paperwork and document processing. If items are not removed on the first round of challenges, we customize and adapt our methods for the next, ultimately having success or your money back.
Enjoy the lifestyle you deserve.
What you don’t deserve is to be penalized for years and years because of financial mistakes made in the past. Your credit doesn’t have to hold you back forever, and the debt that comes along with it doesn’t have to be scary and stressful. Every month we help thousands of clients in and around New York get their credit repaired and debts taken care of so they can get the job, car, house, credit cards, they need to get on with their life. We’re big believers in second chances, and we’re prepared to work hard so you and your family can live the lifestyle you’re working hard to achieve.
Call Us (212) 658-1116
Frequently Asked Questions
Learn more about us and the credit repair process.
How can you help me?
We offer two benefits to our clients. The first and primary benefit of joining our program is that we create and send specialized disputes on your behalf that are targeted to remove your specific negative items. Most consumers can get the loans they need by having a clean credit report. The second benefit is that we’ll help you build positive credit history if you have a lack of it. These two services combine to help you get qualified for the money you need.
How long does it take to fix my credit?
This is the most frequent question we get, and unfortunately there’s no straight-forward answer to it. The reason there’s no clear answer is because it’s entirely dependent upon the companies that own your debt (creditors and collection agencies) and how they deal with our disputes internally. There are tens of thousands of these companies and each one is run differently from the next. While the ones that own your specific debt may respond positively to our disputes and delete your items within 30-45 days, others can take longer. While there is variance in the timeline, we do see, on average, a 103 point increase for our customers over a 6 month period.
What items can you delete?
The most common items we delete are collections & charge offs (loans, student, medical, credit cards, utility bills, phone bills, and anything else belonging to a collection agency), public records (bankruptcies 7 & 13, judgements, tax liens state & federal), late payments, child support, repossessions, foreclosures, inquiries, personal information, and more. Over the years we have deleted every type of negative item imaginable.
Which companies do you delete negative information from?
We delete negative items from the major 3 Bureaus: TransUnion, Equifax, Experian. We also delete information from ChexSystems for clients that need help with bank accounts.
Who are these Bureaus and why do they matter?
When you go to a lender seeking a loan they pull your credit reports to help them make an educated decision on if they should give you money. The information on your credit report is bought by these lenders from the Bureaus. Just like you pay a monthly fee to subscribe to Netflix to watch your favorite shows, lenders pay a monthly fee to subscribe to TransUnion, Equifax, and Experian to pull your credit reports.
Is what you do/credit repair legal?
It is 100% legal. The FCRA and FTC grant you, the consumer, the right to challenge all items on your credit report. We’ve helped our clientele qualify for home loans, car loans, credit cards, jobs, and more, since 2001, and there are hundreds of reviews online about our service. We operate under the Credit Repair Organizations Act (CROA) and adhere to all guidelines therein.
Do you offer any kind of guarantee?
Yes. Because of the nature of credit repair and the fact that we cannot, by law, guarantee you results, we provide a 100% money-back guarantee in the case that we’re unable to delete any negative information from your credit reports after 90 days of service.
What’s a FICO score and why does it matter?
FICO scores are included in the reports that lenders get from the Bureaus. A FICO score uses a proprietary algorithm (created by a company called FICO) that generates a score based on all of the items on your report. It’s a way for lenders to get a quick idea of how big of a risk you are to loan money to without having to go through all your reports line by line. Keep in mind that there’s not just a single FICO score; there are many FICO versions that are all slightly different. On top of that, each Bureau has their own slightly modified versions. Just be aware that you may get FICO scores from different companies that are slightly different.
What areas do you service?
The majority of our clientele come from the greater New York City area: Manhattan, Bronx, Brooklyn, Queens, Staten Island, Long Island, Jersey City, Newark, et al. We provide in-person audits at our office: 234 5th Ave #200, New York, NY 10001. To schedule an appointment please call (713) 766-1595, 8am-5pm EST.
How do I use a referral code or coupon code?
Once signed up, send us an email to firstname.lastname@example.org and we’ll make sure it’s applied. If you’re being referred by a mortgage broker or other business, we need the name of the person who provided you with the code as well.
Our Glorious Risk-Free Guarantee
The Credit Glory 90 Day Guarantee
If we’re unable to delete any negative information from your credit report after 90 days of work, you may ask for a full refund. No questions asked. We understand that many seek our services during times of hardship and this is our way of ensuring we are only ever a positive influence during that time. Thank you.