We help clients restore their credit, become exceptional money managers for everyday living, and invest in a lifestyle that lasts a lifetime.
Fast & Easy Process
No Hidden Fees
Experts ready to help,
Fast & Easy Process.
No Hidden Fees.
Experts ready to help.
When an account becomes seriously past due, the creditor may decide to turn the account over to an internal collection department or to sell the debt to a collection agency
Regardless of the reason, there are several consequences to making late payments, including Late payment fees. Interest added to the delinquent payment.
Hard inquiries can be harmful to a borrower’s credit score. Each hard inquiry usually causes a small credit score decrease for a borrower. Hard inquiries remain on one's credit report for two years.
Repossession hurts your credit score. In fact, it's one of the worst things that can happen to your credit, making your financial life more difficult for years to come.
A charge-off is a debt that a creditor has given up trying to collect on after you’ve missed payments for several months.
Bankruptcy, Inquiry removals, Pay-Day Loans, Child-Support, Public Records, and much more!
Enroll – We’ll give you a FREE consultation and credit analysis.
While we use the law to challenge negative items on your report.
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A thorough analysis of all three credit reports is completed and a strategic “action” plan to improve and rebuild your credit is implemented. We also provide extensive credit education so that you understand how the credit system works and can use this information to transform your credit and therefore transform your life.
Other Credit Repair companies charge an average of $300 per deleted item, which can become expensive quickly, considering the average credit report has 11 items that could be removed. We made it affordable by providing UNLIMITED disputes and deletions for a fraction of the cost.
Yes, credit training is legal and our credit education and document processing services will help you to use the law in your favor. That law is called “The Fair Credit Reporting Act.” The FCRA gives you the right to dispute any item on your credit report. If that item cannot be verified within a reasonable time (usually 30 days) it must be removed. Studies have shown that 79% of all credit reports contain errors. This is nearly 8 out of 10 reports. Therefore most credit reports improve immediately. For items that disputed that are not errors, a creditor or furnisher is often unable to find the records or signed documents within the allotted time and the item gets removed. Sometimes the furnisher will say it has been verified by not offer proof. It is our job to prepare documents that challenge this and we are very skilled at that.
Contrary to what credit bureaus want you to believe, credit training does work in most circumstances. But it only works if you are getting the best advice from an experienced professional. Anyone with a credit score below 720 can benefit long-term from the advice and information provided through credit education. However, there are limiting factors that will prevent us from helping you. Two main factors are: (1) your financial situation and/or (2) the time frame in which you need to reach your results. It is possible to remove anything from a credit report, even accurate items. For instance, if the creditor makes mistakes or does not adhere to the specific time frame, the negative item may be removed.
We will guide you through the process from start to finish and prepare all your documents for you. We have a superb knowledge of credit scoring and experience working with creditors and credit bureaus. It may be difficult for an individual to communicate with creditors and bureaus without an adept understanding of their techniques and regulations in place for credit reporting. We have spent a great deal of time learning the laws that will help you to remove negative information on your report, which enables us to offer you a flawless, money back guarantee system.
Unfortunately, since every credit report is unique, there is no way to predict how long it will take to repair your credit. Having said that, we help hundreds of thousands of people each year in working to restore their credit, and they typically stay with us for six months. With our team of professionals, our removal process is streamlined to get you results.
There are two sides to the credit score battle. Sometimes, the creditors and the credit bureaus have done absolutely everything right and we have no case against them. On average, clients are able to remove 70% of the negative items from a credit report.
Items cannot come back as long as the item is current or paid at the time of removal or if the collection is older than three years. This holds true except in very rare circumstances.
With our assistance and document processing, our clients have had great success with bankruptcies, foreclosures, collections, charge-offs, repossessions, medical bills, credit card debt, inquiries, late payments, old addresses, judgments, tax liens and student loans.
"Definitely recommend Credit Hosts! Very good service and gives you very specific and concise information."
"Credit Hosts will get you on track. In less than 3 months my credit score went up 100 points. There were items on my credit report that I thought would never come off. But Saleh is doing an awesome job and I rate him 5 ⭐️"
"Tanya is amazing at what he does! I had a ton of duplicate accounts that should not have been there and had no idea were there. He explained everything in such detail and made it easy to understand and he answered every question and concern I had.. He is awesome!!! Very pleased!"
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Ruben Ascencio