FIX YOUR CREDIT. REBUILD YOUR FUTURE.

No subscriptions. No monthly fees. Pay only for the specific accounts you need removed, backed by verified methods and professional support.

Real results
One-time payment
Verified methods
Reliable support

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How Credit Fixers Works

A clear, compliance-aligned process designed to fix your credit with accuracy and transparency.

1. Upload Your Credit Reports

You send your full reports from all three bureaus. We review every negative item and identify what can be legally removed.

2. Account-by-Account Analysis

We verify each item for accuracy, compliance, age, and bureau discrepancies to determine the best removal strategy.

3. Targeted Disputes & CFPB Filings

We execute precise disputes based on verified violations, and file CFPB complaints when needed for stronger enforcement.

4. Progress Tracking & Follow-Up

You receive updates as the bureaus respond, and we continue the process until each targeted item is resolved.

Who We Help

We support clients in different stages of their credit journey, from quick fixes to full restorations.

Clients With Recent Negative Accounts

People who need to remove new collections, charge-offs, or late payments and want a precise, compliance-aligned strategy.

Clients With Older or Multiple Negative Items

Those with long-standing accounts or several negative items who need a structured removal process and consistent follow-up.

Clients Preparing for Major Financing

Individuals planning to purchase a home, finance a car, or apply for business credit and need fast, targeted improvements.

Clients Rebuilding Their Entire Credit Profile

People who need more than removals—those seeking full credit reconstruction, new tradelines guidance, and long-term score growth.

What We Do For Your Credit

Professional, compliance-aligned credit repair services built to remove negative accounts with precision and transparency.

Collections Removal

Legal, verification-based removal process.
Treated as identity-theft when applicable.
Designed for both new and older collection accounts.

Charge-Off Removal

Strategies tailored by account age (1–6 years).
Accuracy and compliance checks across all bureaus.
Higher-precision disputes for newer accounts.

Late Payments Removal

Works for open and closed accounts.
Focused on reporting consistency across bureaus.
Removes inaccurate or non-compliant entries.

Repossession Disputes

Specialized process for new (1–3 yrs) and old (4–6 yrs) repos.
Strategy-driven dispute packages plus CFPB filings.
Handles both lender and bureau errors.

Hard Inquiries Removal

Removal of unauthorized or improperly documented inquiries.
Sold in bundles of 3 for efficiency.
Consent-based verification approach.

CFPB Complaint Filing

Formal complaint drafting and submission.
Stronger pressure on creditors and bureaus.
Used strategically for complex or stubborn accounts.

Credit Cleanup Packages

No subscriptions. Straightforward packages so you know exactly what you’re paying for and what’s included.

Pro Fix

$450

Credit Report Analysis.
6 Hard Inquiries.
2 Collection Accounts.
2 Late Payments.
CFPB Complaints Filing.

Ideal for lighter cases with a small number of negative items that need precise removal.

Select Pro Fix

Popular

Elite Fix

$750

Credit Report Analysis.
9 Hard Inquiries.
5 Collection Accounts.
2 Charge-Off Accounts.
4 Late Payments.
CFPB Complaints Filing.

Best for medium cases with mixed negative items across multiple bureaus.

Select Elite Fix

Custom Fix

$1,350

Credit Report Analysis.
10+ Hard Inquiries.
10+ Accounts.
1 Repo Dispute.
6 Late Payments.
CFPB Complaints Filing.

Built for complex files with multiple accounts, repos, and long-standing negative history.

Select Custom Fix

Processing time varies by case. Account type and age play a major role, with newer accounts requiring longer resolution periods.

Your Credit Fixing Journey

A transparent, step-by-step process designed to remove inaccurate items and strengthen your overall credit profile.

1. Submit Your Credit Reports

You provide full reports from all three bureaus so we can identify every negative item affecting your score.

2. Full Verification & Compliance Review

We analyze each item for accuracy, age, bureau discrepancies, and compliance violations to determine what can be removed.

3. Customized Removal Strategy

We create a targeted plan based on item type, account age, and the best dispute method for each situation.

4. Disputes & CFPB Filings

We execute precise disputes and escalate through the CFPB when stronger pressure or enforcement is required.

5. Bureau Responses & Adjustments

As each bureau replies, we review the updates, make adjustments, and continue pushing until each targeted item is resolved.

6. Final Review & Score Growth Guidance

Once removals are completed, we guide you on next steps to strengthen your profile, add positive lines, and protect your new credit health.

Credit Building Programs

A guided credit-building system that helps you establish new lines, strengthen your profile, and grow your score the right way.

Basic Build

$480

Duration: 3 months

Personalized guidance to start building your credit history.
Initial action plan to create a minimum profile (secured card + builder account).
Monthly monitoring of your credit report.
Step-by-step guidance on utilization control and payment timing before statement dates.
Direct communication for quick adjustments and progress checks.

Start Basic Build

Popular

Advanced Build

$860

Duration: 6 months

Everything in the Basic Build.
Assisted opening of new credit lines (secured, builder, and retail when appropriate).
Activation of rent reporting and utility reporting to strengthen your credit profile.
Monthly technical review of all three bureaus.
Monthly strategic adjustments based on score movement.
Financial coaching to maintain long-term credit growth.

Start Advanced Build

Premium Build

$1,620

Duration: 12 months

Everything in the Basic and Advanced packages.
Full-year guidance through the entire credit-building process.
Complete management of all new accounts.
Detailed monthly progress monitoring and reporting (Equifax, Experian, and TransUnion).
Optimization of credit mix and credit limit increases.
Unlimited ongoing financial coaching to ensure every move benefits your score.
Final goal: strong credit and a structure ready for major financing opportunities.

Start Premium Build

Education

Clear, simple explanations to help you understand how credit really works and how to avoid the mistakes that hurt your score.

How Credit Scores Really Work

Your score is built from five factors: payment history, utilization, account age, credit mix, and inquiries. Mastering these is the key to long-term credit health.

Collections vs. Charge-Offs

A collection means the debt was sold or assigned to a third party; a charge-off means the original creditor wrote it off as a loss. Both are damaging, but charge-offs typically hit harder and affect lending decisions more.

Late Payments: How Bad Are They?

Late payments are one of the most severe credit hits. A single late payment can drop your score significantly and stays on your report for up to seven years.

5 Habits That Kill Your Credit

High balances, late payments, excessive inquiries, ignoring older accounts, and mismanaging new credit lines are the top habits that can quickly destroy your score.

FICO Score vs. VantageScore

FICO is used by most lenders and banks, while VantageScore is primarily used by free credit apps. They score differently, which is why your numbers don’t always match across platforms.

Bankruptcy — Is It Worth It?

Bankruptcy can eliminate overwhelming debt, but it severely impacts your credit for years. It’s a last-resort option when there’s no realistic path to repay or negotiate debts.

Utilization — Why It Matters

Your credit utilization ratio (how much of your available credit you’re using) is one of the biggest score factors. Staying under 10–20% keeps your score healthy and signals responsible credit management.

Why Bureau Reports Don’t Match

Each bureau (Equifax, Experian, TransUnion) collects and updates data differently. Lenders may report to one, two, or all three — which is why your accounts and scores don’t always match across bureaus.

Free Credit Reports

You can access all three credit reports for free at AnnualCreditReport.com—the only federally authorized source for no-cost reports.

Frequently Asked Questions

Credit repair is legal when done through verified, compliance-aligned methods that challenge inaccurate or unverified information.

Results vary by account type and age. Older items resolve faster; newer ones take longer.

No. No legitimate credit repair service can guarantee outcomes.

Full credit reports from all three bureaus.

Yes. The Credit Building Program adds new positive lines, improves reporting, and strengthens long-term credit health.

Scores improve as negative items are deleted, but total impact depends on your overall credit profile.

No. You only pay for the items you want removed. No monthly billing, no contracts, no hidden fees.

Credit card, debit card, Afterpay (Pay-in-4), or Zelle — all processed securely through Square.

Ready to Fix Your Credit for Good?

Start with a clear plan, transparent pricing, and expert support from start to finish.

Get Started Now

Contact Information

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