CLOUDFLARE®
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Erase negative items and rebuild your score fast — pay only after results
No upfront payment
100% risk free guarantee
Trusted by 85,000+ people who've built stronger credit and brighter futures.
100% Risk-Free Guarantee
If no negative items are removed within 90 days, you pay nothing.
"My credit was blocking a business loan. After working with Expert Credit Fix, my score went up, and I finally got approved."
— Ryan F., Verified Client
Business loan approved
Did you know just one negative account can drop your credit score by 90–180 points — that's the difference between approval and denial.
These are the struggles we hear from clients every day:
The good news is that bad credit isn't permanent — we can help you turn it around
Join 85,000+ clients who've removed negative items and boosted their scores. Start today with zero risk.
From hard inquiries to bankruptcies, we challenge the negatives dragging down your score — so you can finally get approved, save money, and move forward
Erase harmful inquiries that drag down your score and block approvals.
Clear late marks so lenders see you as reliable and approve you faster.
Remove past-due accounts that weigh down your report and keep you from moving forward.
Delete repossession records and open the door to better auto financing options.
Challenge damaging bankruptcy records and start fresh with a clean slate.
Erase foreclosure records so you can qualify for housing and rebuild stability.
Remove unfair medical debts that stop you from getting approved elsewhere.
From judgments to outdated accounts — we fight dozens of cases like yours.
No Monthly Fees
100% Risk Free
We help clients just like you move past bad credit and get the opportunities they deserve.
Actual Client Credit Report
"My credit issues were holding me back from getting the business loan I needed. After working with Jason, my score went up and I finally secured the funding to grow my company."
— Kevin M., Verified Client
Business loan approved
Here's why clients feel confident choosing us:
Start removing negatives today and open the door to better credit opportunities.
Three steps. No stress, no confusion.
Create your account and link your credit report so we can get started right away.
We work directly with all 3 bureaus to dispute negative items on your behalf.
Track progress in our secure portal and watch items come off your report.
Pay only for successful deletions. No monthly fees. No hidden costs.
From inquiries to collections and more, clients across America trust our team to remove negative items and improve their credit.
"I wish I'd started working wiht Faye sooner. She saved me from a lot of trouble with my credit."
"Professional, friendly, and great results. I couldn’t believe the difference in my report."
"Old collections disappeared from my report and my score jumped nearly 70 points!"
"I had two charge-offs holding me back. They got them removed and my car loan went through."
"Late payments were gone in weeks. My score improved and I refinanced at a much lower rate."
"They cleared medical bills that never should have been there. My credit is clean again and I feel relieved."
Results vary, and no specific score increase is guaranteed.
Pay after removal • 100% risk free guarantee
Unlike subscription credit repair, we don't drag out the process. We fight to get fast results — and you only pay when items are removed.
Pay only when negative items are deleted — no subscriptions, no hidden costs, no lock-ins.
We challenge every eligible item at once, so your case moves faster with no delays.
Most clients start seeing measurable progress within weeks, not years of waiting.
We work directly with all 3 bureaus and follow FCRA/CROA rules for full compliance.
| Expert Credit Fix | Monthly Credit Repair | |
|---|---|---|
| Monthly Fees | No | Yes |
| When You Pay | After removal | Before results |
| Items Disputed per Cycle | Unlimited | 1–2 |
| Approach | Dispute everything at once | Slow process |
Start your credit repair now and see items removed in weeks — pay only for results, no monthly fees.
Get answers to common questions about our credit repair process
This fee takes care of preparing and filing all the required documents with your creditors and the three credit bureaus. It also includes ongoing case handling and follow-ups for up to six months.
The deletion fee applies only after a negative mark has been successfully removed from your credit history. You're charged each time a deletion is achieved — never in advance.
No, there are no recurring monthly charges. You'll only ever pay for results when items are deleted from your report.
Yes. After enrolling you'll receive access to a secure client portal where you can log in anytime to see real-time updates on your case.
In most cases, collection entries can appear for up to seven years. The countdown begins from when the original debt went 180 days past due, not from when a collection agency purchased the account.
A charge-off typically remains for seven years, starting from the first missed payment that led to the account default.
A Chapter 7 bankruptcy usually remains for seven years from the date it's discharged, while a Chapter 13 can appear for up to ten years from the filing date.
The timeline varies depending on the individual report, since no two credit files are the same. Many clients see progress within several months, and most remain in the program for around six months.
Results and timeframes vary by individual. We cannot guarantee specific outcomes or timeframes.
The potential score increase varies for each individual and depends on several factors in your credit report, including account balances, length of credit history, number of accounts, and overall credit mix. While we cannot guarantee a specific score increase, many of our clients do experience score improvements after successful credit repair. Results vary based on your unique credit situation.
Results vary and no specific score increase is guaranteed.
Simply put, you don't pay until something is deleted. Fees are only due once a negative record has actually been removed from your report, making it a zero-risk process.
Our support team is available through live chat, Monday to Friday, 10am–5pm (PST). You'll connect with a real person who can walk you through anything you need.
Start today with zero risk. We remove the negatives holding you back — and you only pay after successful results.
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