Professional credit dispute services, financial coaching, and credit-building strategies — tailored to your situation. We work with all 3 bureaus on your behalf.
Results vary. Individual credit improvement depends on the specific items on your credit report and your financial situation. Credit Repair USA complies fully with the Credit Repair Organizations Act (CROA).
By submitting, you agree to receive communications from Credit Repair USA. We respect your privacy and never sell your information. You may opt out at any time.
A transparent, step-by-step process guided by your dedicated credit specialist. You'll know exactly what's happening with your file every step of the way.
We conduct a soft-pull credit analysis to review all three bureaus. Your specialist identifies inaccurate, outdated, and unverifiable items. You'll receive a full action plan and sign a month-to-month service agreement. No long-term commitment required.
You'll securely upload proof of identity (driver's license, passport, W2, or proof of address) and set up identity monitoring. This allows us to track disputes and protect your credit profile throughout the process.
We prepare and send personalized dispute letters to all three credit bureaus, creditors, and collection agencies — targeting every item we identified. Each letter is customized to the specific account for the best possible outcome.
Under the Fair Credit Reporting Act (FCRA), credit bureaus have 30 days to investigate each dispute. We stay in contact with you throughout, answering questions and keeping you informed. You'll receive mail correspondence directly from the bureaus.
Once new reports and scores come in, we analyze the results and create an updated strategy. We review what was removed, what needs further action, and what new steps to take next. Your portal is updated with your progress.
We repeat the dispute cycle month after month until your goals are reached. At Day 45–60, we begin adding positive credit through approved credit-builder solutions. Most clients see significant improvement within 3–6 months.
One straightforward price. No hidden fees. Cancel anytime — no penalties, no questions asked.
10% discount for active military, veterans & spouses.
Real feedback from clients who worked with our team. Results vary based on each individual's credit history and circumstances.
"I had multiple errors on my report and had no idea how to dispute them. The team at Credit Repair USA walked me through everything clearly. My score improved and I was able to qualify for my mortgage."
"Professional, honest, and patient. They explained every step of the process and were always available when I had questions. I saw items removed that I had been told were impossible to fix."
"I was starting from scratch after a bankruptcy. They helped me understand which steps to take to rebuild responsibly. The monthly reports in the portal kept me motivated and on track."
Testimonials represent individual experiences. Results vary and are not guaranteed. Credit improvement depends on the specific items in your credit file and your ongoing financial behavior.
Honest answers to the questions we hear most. Have more questions? Call us at 888-853-3880.
Credit Repair USA is a family, veteran, and woman-owned financial services company headquartered in Grapevine, Texas. We have been helping Americans navigate the credit system for over 30 years.
Deep expertise in credit law, bureau disputes, financial planning, and consumer rights built over three decades of hands-on client work.
We are proud to serve the military community. Active duty servicemembers, veterans, and their spouses receive a 10% discount on all services.
You are assigned one specialist for your entire journey — not passed around. They know your file and are available to answer your questions throughout the process.
Secure client portal, monthly reports, and a mobile app so you can track exactly what's happening with your file at any time. No guesswork.
We proudly offer a 10% discount for active duty military members, veterans, and their spouses on all credit and financial solutions services.
Speak directly with a credit specialist — no pressure, no obligation. We'll review your situation and explain what we can do for you.
CROA Rights Notice
Under the Credit Repair Organizations Act, you have the right to cancel your contract within 3 business days for a full refund. We do not charge fees before services are performed. You have the right to dispute inaccurate information yourself at no charge directly with the credit bureaus.
By submitting this form, you agree to receive calls and texts from Credit Repair USA. We will never sell or share your personal information. You may opt out at any time. Credit Repair USA is compliant with the Credit Repair Organizations Act (CROA).