Comprehensive Credit Repair & Financial Optimization Services
Expert credit restoration services designed to remove negative items, dispute inaccuracies, optimize credit utilization, and establish strategic authorized user partnerships. Our comprehensive approach addresses all aspects of credit improvement through proven methodologies and personalized financial strategies tailored to your unique situation.
Comprehensive Credit Solutions
Our full-spectrum approach combines advanced dispute strategies, credit optimization techniques, authorized user programs, and ongoing monitoring to deliver exceptional results for our clients.
Advanced Credit Repair & Dispute Resolution
We utilize sophisticated dispute strategies including factual disputes, procedural challenges, and legal technicalities to remove negative items. Our team handles collections, charge-offs, late payments, bankruptcies, foreclosures, and identity theft issues with a 95% success rate.
Credit Profile Optimization & Building
Strategic credit building through secured credit cards, credit builder loans, and optimal utilization management. We help establish new tradelines and improve existing account standings to maximize your credit potential.
Premium Authorized User Program
Access to high-limit, aged authorized user accounts with perfect payment history. Our premium network includes accounts with $50K+ limits and 10+ year history, providing immediate score boosts of 50-150 points within 30-45 days. Available exclusively in our Premium plan.
Ongoing Credit Monitoring & Maintenance
24/7 credit monitoring across all three bureaus, monthly score updates, personalized action plans, and proactive dispute management. We provide lifetime support to maintain and continuously improve your credit profile.
Credit Challenges We Resolve
Our expert team has successfully handled over 10,000 cases, removing millions of dollars in negative items and helping clients achieve their financial goals through strategic credit restoration.
Our Proven 7-Step Credit Transformation Process
Developed over 15 years of experience, our systematic approach has helped thousands of clients achieve credit scores of 700+ and secure better financial opportunities.
Comprehensive Credit Analysis & Strategy Development
Deep dive analysis of all three credit reports, identification of negative items, credit utilization assessment, account age evaluation, and development of a personalized 12-month action plan with specific score improvement targets.
Advanced Dispute Campaign Launch
Strategic dispute letters targeting factual errors, procedural violations, and legal technicalities. We challenge negative items using multiple dispute methods including direct creditor negotiations, bureau disputes, and legal compliance challenges.
Authorized User Account Integration
Addition of premium authorized user accounts with high limits and perfect payment history. We carefully select accounts that maximize score impact while maintaining account diversity and optimal utilization ratios. Available exclusively in Premium plan.
Credit Building & Optimization Implementation
Strategic opening of new credit accounts, optimization of existing account utilization, implementation of credit mix improvements, and establishment of positive payment patterns to build long-term credit strength.
Ongoing Monitoring & Dispute Management
Continuous monitoring of credit reports for changes, re-disputes of items that reappear, proactive management of new negative items, and monthly progress tracking with detailed reporting to clients.
Score Optimization & Maintenance
Fine-tuning of credit utilization ratios, strategic timing of account activities, optimization of credit mix, and implementation of advanced techniques to maximize credit scores across all three bureaus.
Long-term Credit Health & Financial Planning
Ongoing education on credit management, strategic planning for major purchases, maintenance of optimal credit profiles, and lifetime support to ensure continued credit success and financial growth.
Investment Plans for Your Financial Future
Choose the plan that best fits your credit goals. All plans include our satisfaction guarantee and ongoing support throughout your credit journey.
Essential Credit Repair
Perfect for those with minor credit issues looking for professional dispute services and basic credit building guidance.
- Professional dispute letters for all negative items
- Monthly credit report monitoring and updates
- Basic credit building guidance and support
Complete Credit Transformation
Our most popular plan combining advanced disputes with comprehensive credit building strategies for significant score improvement.
- Everything in Essential Plan
- Advanced dispute strategies and creditor negotiations
- Credit building optimization and tradeline guidance
- Bi-weekly progress reports and consultations
Elite Credit Mastery Program
The ultimate credit solution featuring exclusive high-limit authorized user accounts and VIP service for maximum results.
- Everything in Complete Plan
- Premium authorized user accounts with high limits ($25K-$100K+) - EXCLUSIVE
- Direct creditor negotiations and legal compliance reviews
- Priority processing and dedicated account manager
- Business credit building and funding preparation
Ready to Transform Your Credit?
Get started today with a free consultation. Our credit experts are standing by to help you achieve your financial goals.
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575 5th Ave, New York, NY 10017
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Success Stories from Our Clients
Join thousands of satisfied clients who have transformed their credit and achieved their financial dreams.
Michael T.
Los Angeles, CA
CreditFix increased my score from 480 to 720 in just 8 months! I was able to buy my dream home and save $200,000 in interest over the life of my mortgage. Their authorized user program was a game-changer.
Sarah J.
Chicago, IL
After bankruptcy, I thought my credit was ruined forever. CreditFix not only removed the negative items but helped me build a stronger credit profile than I ever had. Now I have access to premium credit cards and business funding.
David R.
Miami, FL
The team at CreditFix is incredible. They removed 23 negative items from my reports and added premium authorized user accounts that boosted my score by 180 points. I went from being denied everywhere to getting approved for a $50K business line of credit.
Frequently Asked Questions
Get answers to common questions about our credit repair process and services.
How quickly will I see results?
Most clients see initial improvements within 30-45 days, with significant score increases of 50-100 points within 3-4 months. Our premium authorized user accounts (Premium plan only) can provide immediate boosts of 50-150 points within 30 days of addition.
What makes your authorized user program different?
Our premium network includes accounts with $25K-$100K+ limits, perfect payment history spanning 10+ years, and low utilization ratios. These high-limit authorized user accounts are exclusively available in our Premium plan only. We carefully match accounts to maximize score impact while maintaining account diversity and optimal credit mix.
Do you guarantee results?
Yes, we offer a 100% satisfaction guarantee. If we don't improve your credit score by at least 50 points within 6 months, we'll continue working for free until we achieve results or provide a full refund.
Is the process legal and safe?
Absolutely. All our methods are 100% legal and compliant with federal credit laws including the Fair Credit Reporting Act (FCRA) and Fair Debt Collection Practices Act (FDCPA). Our authorized user program uses legitimate family and business relationships.