Credit Repair Phoenix, AZ

Let us repair your credit before your next big purchase



Good credit makes all the difference

Your life’s most important decisions will involve credit. Take control of it.

QUALIFY TO PURCHASE A HOME

STEP TOWARDS FINANCIAL INDEPENDENCE

BUY A NEW CAR

GET BETTER INTEREST RATES

QUALIFY FOR A BETTER JOB

GET ACCESS TO LINES OF CREDIT AND CREDIT CARDS

REDUCE STRESS IN YOUR RELATIONSHIPS

SAVE THOUSANDS OF DOLLARS EVERY YEAR

We increase your score by removing inaccuracies

Credit reports contain errors 79% of the time. The Bureaus must prove it or remove it.

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inquiry removallate payment deletionmedical bill deletionchargeoff deletionrepossession deletionbankruptcy removaltax lien deletionpersonal information deletion
  • Inquiry Removal

  • LATE PAYMENT DELETION

  • MEDICAL BILL DELETION

  • Charge-Off Deletion

  • Repossession Deletion

  • Bankruptcy Deletion

  • TAX LIEN Deletion

  • Foreclosure Deletion

  • AND MORE…

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Getting started is as easy as 1-2-3.

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Free phone consultation (required by law) to ensure our services will benefit your unique situation.
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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).
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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.
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Enjoy the lifestyle you deserve.

Call Now (480) 448-0131
money back guarantee

Our Risk-Free Guarantee

The Anytime Credit Repair 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.
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Phoenix Credit Repair

Phoenix Arizona skyline

Why Does My Credit Score Matter?

If you are looking to purchase a home, refinance an existing loan, buy a car, extend financial flexibility through a line of credit or credit cards, start a business, or even applying for a new job then your credit score is going to be an important factor in accomplishing your goals. Most of your major life decisions will involve your credit history. Taking control of your score is the first step in assuring that these important moments are as favorable as possible for you.

Get a loan for a house

Buy a home

For most everyone, the purchase of a home is the single largest purchase they will make in their entire life. If you are looking to finance the purchase of a home through a FHA loan then you must have a minimum credit score of 500. That will meet the requirements to qualify for a loan with a 10% down payment. In order to qualify for the 3.5% down payment your credit score you need to have a score of 580 and many lenders will require 600+. The median home value in 2018 for the Phoenix metropolitan area is roughly $250,000. The difference between qualifying for 3.5% down vs the 10% down program means bringing an extra $16,250 as a down payment. Better credit scores also correlate to getting a better interest rate on home loans. Boosting your score 100 points could mean the difference of .25% on your interest rate. That might not sound like a lot, but on a $250,000 loan over 30 years that .25% (5.25% vs 5%) will save you $13,844.

Obtain credit cards or a line of credit

Just like any other loan your FICO score will affect your ability to acquire credit cards or lines of credit. These products can be used to finance the starting of a new business or even a larger scale home improvement project such as adding on to a house or renovating the interior. If you already own a home that has equity in it you may look for a home equity line of credit (HELOC). A HELOC will show up on your credit report similarly to any other revolving credit such as a credit card. You may also want to consolidate debt using either a transfer to a new credit card or paying it through a HELOC.

Buy a new or used car

Financing for a new vehicle is often very heavily dependent on your FICO score. Many dealers will have special financing options available only to people with high credit scores. The specific car you want may or may not be within your ability to obtain financing. However, taking control of your credit history is a good start towards getting the keys to that new car.

New job screening

handshake accepting a new job

Even when applying for a new job your credit history could be important. Your credit history might be checked to see if you are responsible with your finances and can be trusted with managing company money. A history including a lot of high debt indicators may also give employers the idea that your employment comes with a higher risk of fraud or theft. Industries that include security clearance or handling sensitive information are more likely to have a credit history component in the application process. These types of checks won’t affect or show potential employers your credit score. They receive a modified version of the report without information such as date of birth, marital status, and FICO score number.

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