Fix Your Credit Fast.
Phoenix & Nationwide.

Remove collections, charge-offs, late payments, repos, bankruptcies & more.
No monthly fees. Real deletions. Real results.

Get Free Credit Audit 📞 Call 602-377-6626
0
Clients Helped
0
Items Deleted
0
Million in Debt Resolved
5.0
★★★★★ Rating

What We Remove

Fast, legal credit repair under your rights (FCRA/FDCPA/ECOA)

🗑️
Collections & Charge-Offs

Delete collection accounts and charge-offs that drag down your score and prevent approvals.

⏰
Late Payments

Remove inaccurate late payment marks across all three bureaus for instant score boosts.

🚗
Repossessions

Challenge and remove repo entries to restore your creditworthiness and qualify for vehicles.

⚖️
Bankruptcies

Address bankruptcy reporting issues and accelerate your credit recovery journey.

🏠
Foreclosures

Dispute foreclosure entries and rebuild housing opportunities for homeownership.

🔍
Hard Inquiries

Remove unauthorized inquiries that lower your score (Platinum/Diamond packages).

How It Works

Simple, guided, and fast—see results in 30-60 days

01

🎯 Free Credit Audit

We review all 3 bureaus (Experian, Equifax, TransUnion), identify negative items, dispute opportunities, and set clear, achievable goals for your credit restoration.

02

📋 Dispute Strategy

Map strategic challenges: collections, charge-offs, late payments, inquiries, public records. We create a customized action plan based on your unique situation.

03

🎉 Deletions & Updates

We push disputes, track responses from bureaus and creditors, escalate when needed, and report wins as negative items disappear from your credit reports.

04

📈 Rebuild & Maintain

Keep scores rising with utilization coaching, payment strategies, credit mix optimization, and ongoing monitoring to ensure long-term success.

Real People. Real Wins.

Our clients see life-changing results—here's what they're saying

★★★★★
"I went from 520 to 770 in just 3 months! They deleted two collections and a repo. We closed on our dream house the next week. Absolutely life-changing!"
Rosa Martinez
Phoenix, AZ
★★★★★
"120-point jump in 6 weeks. They removed three late payments and a charge-off. I finally qualified for a reliable car at a fair rate instead of those predatory dealerships."
Marcus Johnson
Mesa, AZ
★★★★★
"They fixed my identity theft nightmare. Clean report, new credit cards, and I got my salon expansion loan approved! The team was professional, responsive, and genuinely cared."
Ana Rodriguez
Tucson, AZ

Simple Pricing. No Monthly Fees.

One-time investment. Life-changing results. Choose the package that fits your needs.

💛 Gold

$699
$499

One-time payment

  • Remove all negative credit items
  • All 3 major bureaus
  • Collections & charge-offs
  • Late payments removal
  • Public records disputes
  • Rebuild coaching included
Start Gold Package
Most Popular

⭐ Platinum

$849
$699

One-time payment

  • Everything in Gold
  • Hard inquiry removal
  • Unauthorized inquiry disputes
  • Priority processing
  • Faster turnaround times
  • Advanced dispute strategies
  • Dedicated support specialist
Go Platinum

💎 Diamond

$999
$899

One-time payment

  • Everything in Platinum
  • ChexSystems cleanup
  • InnoVis cleanup
  • Bank account restoration
  • Complete credit makeover
  • VIP priority service
  • Identity theft recovery
  • Lifetime credit guidance
Choose Diamond

Still Have Questions?

Get answers to common credit repair questions

How much does credit repair cost?
+
We offer three one-time packages: Gold ($499), Platinum ($699), and Diamond ($899). No monthly fees. No hidden costs. No automatic renewals. Just one payment for complete service until your credit is fixed.
How long does credit repair take?
+
Many clients see results in 30-60 days. Complex cases with multiple negative items can take 3-6 months depending on responses from bureaus and creditors. We work in tight, results-oriented cycles to maximize speed and efficiency.
Is credit repair legal?
+
Yes, absolutely. The Fair Credit Reporting Act (FCRA), Fair Debt Collection Practices Act (FDCPA), and Equal Credit Opportunity Act (ECOA) grant you the right to dispute errors and demand verification. We use compliant, documented processes within your legal rights.
Can you remove collections, bankruptcies, and repos?
+
We frequently remove collections, charge-offs, late payments, and repos by proving inaccuracies or lack of proper verification. Public records like bankruptcies are case-dependent and require proof of reporting errors or procedural violations. Success rates are high when documentation issues exist.
How much will my credit score increase?
+
It varies based on what's removed and your rebuilding habits. 50-150+ point improvements are common. We've seen clients gain 200+ points with multiple deletions and proper utilization management. The more negative items removed, the bigger the score jump.
Will deleted items come back on my credit report?
+
If items are removed for being inaccurate or unverifiable, they shouldn't return unless re-reported with proper verification—which is rare when properly challenged. We document everything to ensure permanent removal.
What's the fastest way to fix my credit?
+
Remove major inaccuracies quickly and drop utilization below 10-30%. Combine with on-time autopay, strategic dispute cycles, and proper credit building. We handle the disputes while coaching you on utilization and payment strategies for maximum speed.
Do you serve Phoenix, Mesa, Tempe, Scottsdale & nationwide?
+
Yes! We proudly serve the entire Phoenix metro area (Phoenix, Mesa, Tempe, Scottsdale, Chandler, Glendale) and all 50 states. Our process is 100% remote with local expertise and personalized service.
Can I repair my credit myself?
+
Yes—consumers can dispute directly with bureaus. However, clients hire us for our expertise, speed, proven documentation strategies, and dispute processes that get results faster. We know exactly what works and what doesn't after helping 4,000+ clients.
How do I remove hard inquiries from my credit?
+
We dispute unauthorized inquiries with documentation proof. Authorized pulls remain on your report for 2 years but have minimal impact after 6 months. Inquiry removal is included in our Platinum and Diamond packages.
What is ChexSystems and can you fix it?
+
ChexSystems tracks banking history. Negative marks can prevent you from opening bank accounts. Our Diamond package targets ChexSystems and InnoVis cleanup to restore banking access so you can open checking accounts, savings accounts, and rebuild your financial foundation.
Do you offer a money-back guarantee?
+
We provide a free consultation and transparent updates throughout the process. While we don't offer a blanket money-back guarantee due to the nature of credit bureau responses, we're committed to fighting for every possible deletion. Our 5.0-star rating speaks to our results.
How to fix credit after identity theft?
+
File an FTC identity theft report, place fraud alerts and credit freezes, dispute unauthorized tradelines and inquiries with supporting documentation, use police reports when needed, and monitor all three bureaus aggressively. Our Diamond package includes comprehensive identity theft recovery.
What's the difference between credit repair and debt settlement?
+
Credit repair challenges reporting accuracy and removes inaccurate negative items. Debt settlement negotiates to reduce balances owed and may impact scores differently. We focus on removing items that shouldn't be on your report while guiding you on proper debt handling.
Can medical bills be removed from my credit report?
+
Yes. Medical collections under $500 are no longer reported. Paid medical collections are also removed. For others, we dispute inaccuracies and challenge unverifiable medical debt using evolving reporting rules and HIPAA protections.

Ready to Fix Your Credit?

Only a few audit slots open today. Lock your spot now.

Prefer to Talk? Call Us Now:

Our credit repair specialists are standing by

📞 602-377-6626
💬 Text Us | 📍 View on Google Maps | ⭐ Google Reviews (5.0)
Choose My Credit Phoenix, Arizona
Serving Arizona & Nationwide
choosemycredit@gmail.com