Denied for a Loan? Haunted by Collections? Let’s Fix That.

Life with Bad Credit Feels Like Hitting a Wall. We Get It.

That sinking feeling when the loan officer says "I'm sorry, you weren't approved." The constant, harassing calls from collection agencies. The sky-high interest rates that feel like a punishment. You work hard and do the right thing, but your credit score holds you back from the life you deserve.

Ignoring it only makes it worse. Opportunities to buy a home, get a reliable car, or even start a small business slip away. The stress builds, and it feels like there’s no way out. You are not alone, and it is not your fault.

Your Fresh Start is Here. We Clear the Path Forward.

We provide professional credit repair services for people who are ready for a change, including:

• First-Time Homebuyers tired of being denied for a mortgage.
• Single Parents needing financial stability and better opportunities.
• Small Business Owners seeking funding to grow their dreams.
• Anyone feeling trapped by collections, charge-offs, repossessions, or bankruptcies.

We work directly with all 3 credit bureaus (Experian, Equifax, TransUnion) to challenge and remove the inaccurate, unfair, or unverified negative items holding you down. This isn't just about numbers; it's about unlocking your future.

Why Choose Us? Because We Do Things Differently.

Our Biggest Difference: We NEVER Charge Monthly Fees.

Most credit repair companies lock you into a $99-$149/month subscription. Their goal is to keep you paying as long as possible. Our goal is to get you results as fast as possible. We use a one-time fee because we’re confident in our process and believe in honest, transparent pricing.

Founded on Empathy, Built for Results

Our founder, Robert Garcia, started Choose My Credit in 2010 after becoming a victim of identity theft himself. When creditors demanded payment for fraudulent accounts, he felt helpless. He realized countless others were in similar, unfair situations. He dedicated himself to mastering the Fair Credit Reporting Act (FCRA) and fighting back for people just like you. We’re not a faceless corporation; we’re your neighbors who genuinely care.

Your Path to a Better Score in 3 Simple Steps

One-Time Investment. Lifetime of Opportunity.

No subscriptions. No hidden costs. Just one simple payment to change your financial future.

Not sure which package is right for you? Start with a 100% Free Credit Audit and we'll give you an honest recommendation.

Your Questions, Answered Honestly

Is credit repair legal?

Absolutely. Credit repair is 100% legal and is based on the Fair Credit Reporting Act (FCRA). The law gives you the right to challenge any information on your credit reports that you feel is inaccurate, untimely, misleading, or unverified.

How long does it take to fix my credit?

While every case is unique, our clients typically see significant results and deletions within 45-90 days. Our one-time fee model incentivizes us to work as quickly and efficiently as possible for you.

How much will my credit score go up?

This varies based on your individual credit profile. Removing a single collection could raise a score by 20 points, while removing a bankruptcy could raise it by over 100. Our goal is maximum deletion for maximum impact. Just look at Rosa's story!

Can you remove collections, bankruptcies, repos, etc.?

Yes. We have successfully removed nearly every type of negative item, including: collections, charge-offs, late payments, repossessions, foreclosures, bankruptcies, judgments, tax liens, and hard inquiries.

Will the negative items come back?

Once an item is legally and permanently deleted under the FCRA, it should not reappear. In the rare instance a creditor attempts to re-report a deleted item, we will re-dispute it for you at no additional charge.

Can I just do this myself?

You can, but it's a complex and time-consuming process. You're paying for our expertise, our proven dispute strategies, and our time. We know the laws and tactics that get results fast, saving you months of frustration and potential mistakes.

Do you offer a money-back guarantee?

Because every credit profile is different and results can vary, we cannot legally guarantee a specific outcome. Instead of a tricky guarantee, we offer something better: a 100% free, no-risk consultation and a transparent, one-time pricing model with no monthly fees. You know exactly what you're paying for upfront.

Ready to Change Your Life? Your Free Audit is Waiting.

We only take on a limited number of clients each month to ensure everyone gets our full attention. Spots are filling up fast for this month. Take the first step today.