Increase your credit score

Get approved for credit

Access better offers from lenders

Our network will help you repair your credit record without hassle

What Is Credit Repair?

Credit repair is the act of restoring or correcting a poor credit score.

Your credit score is a number that reflects your entire financial history. Lenders use it to gauge your risk profile. Depending on the type of information, listings can remain on your file from 2-7 years.

A negative credit history will impact your ability to get a line of credit. A bad score is often the result of poor financial management. It gives lenders a sign that you are not paying your bills on time or paying them at all. The only way to change a lender's perception is to repair the poor credit standing. This will address legitimate concerns on the part of the lenders.

How Credit Repair Works?

Credit repair is the act of going through a credit report with the goal of correcting mistakes.
In doing so, your credit score will improve as negative information gets removed.

Restore Your Credit Record

As you remove negative information, your score will increase overtime.

Recission of Court Orders

Remove debt review, judgements, sequestration orders and admin orders (T&C Apply)

Premium service

Deal with a team that is registered with the NCR and has years experience in successful credit clearance.

Save interest on arrear debt

Clients with arrear debt will be shown a program that qualifies them for a reduction in interest charged by creditors.

We deal with the Credit Bureaus

Our team has a relationship with the major credit bureaus that you can leverage for your success.

Get a fresh start with your creditors

After your credit report is clear- you can wait 90 days and then reapply for credit. Approval will be based on your affordability to service the debt.

Advantages

1.Increase your credit score

Removing incorrect information and adopting positive credit habits will improve your score.

2. Get approved for credit

When your credit score increases, so does your level of creditworthiness. Fixing your credit score will help you get your application assessed by lenders.

 

3. Access better offers from lenders

A good credit record makes it possible to get more attractive interest rates from lenders. For example, you can avoid high interest short term loans and rather apply for a long-term loan.

Work with a Credit repair company

Working on repairing your credit record if you don't know what you are doing can be a difficult task. It can take you much longer to achieve your goal.
Use our professional team to get the work done fast

A credit repair company works on your behalf to remove negative information. This is done by communicating with credit bureaus and financial institutions (like your bank). There can be a lot of back and forth to achieve this. The end goal is to have negative information deleted from your credit profile. This will improve your credit rating over time. Negative information won’t stay on your credit report forever. The onus lies on you to take the necessary steps to get it fixed.

Here is a list of common errors credit repair can fix

Incorrect spelling of your name
Incorrect or incomplete phone number or postal address
Seeing information belonging to another person with the same or similar name to you
Unfamiliar accounts in your name
Unknown transactions in your name
Same debt listed more than once
Incorrect debt amount
The same debt listed with multiple creditors.
Closed account reported as being open
Incorrect balance and credit limits
Debt listed as late when they are being disputed
Debt listed when a payment plan is in place
Incorrect date listed when you first defaulted on payments
Incorrect date listed when you first defaulted on payments
Clearance of debt review
Rescission of Judgements
Rescission of Sequestration orders
Rescission of Admin court orders
Rescission of Garnishee orders
How long does it take to repair credit?

There is no set time frame for how long it takes to repair credit score or rating. The goal is to get your credit score in the range of ‘good’ instead of ‘fair’ or ‘poor.’

The time can depend on several factors, including:

Your current credit rating

The age of credit accounts

The type and age of negative information present on your credit report
Judgements and court order removal is more difficult to repair. This may require the services of an attorney that will need to appear in court.

Don’t expect overnight results, its takes time to rebuild a bad credit history.

Having a few months of on-time payments is a step in the right direction. It won't give you excellent credit right away. You will see your credit improve gradually as time passes. When the negative information falls off, you can replace it with positive information.

How much does credit report repair cost?

The cost of credit repair can depend a lot on your current credit rating and the way you decide to repair credit. Every client's credit record is unique. For this reason, we can only give a price after concluding an assessment.

For an assessment our credit repair team will use your id number to look at your credit record with the bureau. You will then receive a quote with the fees to do the work. Clients with serious matters to repair may be subject to additional fees for an attorney.

During the process your credit score might fluctuate

Return your completed assessment form and documents for a free consultation. You will have the opportunity to ask any questions so you can make sure this is the right decision for you.

Change your habits.

Many people go through credit repair so they can borrow money. That's OK, but you must adopt habits that will maintain good credit if you want your healthy score to last. That means borrowing only what you can realistically afford to pay back, and maybe even a little less. Paying your bills on time is perhaps one of the best things you can do for your credit.

Bistritz-Balkan says, ``When it comes to creditworthiness, a great rule of thumb is to pay your bills on time, every time. Creditors want to know that you've been able to satisfy your financial commitments. Therefore, paying bills on time is an important, fundamental behaviour to establish early on.``

Does credit repair work?

Credit repair will work for removing inaccurate information from your credit report. This includes accounts that are paid up, or errors.

It does not remove negative information that reflects your financial history. If you did not pay your creditors, you will have to repay the debt first before the information is removed. The good news is that by asking for assistance you can use other legal tools to help you clear this debt fast. Clients with arrear debt will be guided with a program to deal with the arrears and save interest.

Work with our credit repair team

If you having difficulties coping with your accounts or even bad debt, call to us to help you with Credit Repair. We have helped many people throughout the years to help rebuild their lives successful.