Professional Credit Repair
You Can Actually Trust.
Reliable solutions to improve your credit score. Hand-prepared disputes to all three bureaus, escalated when they push back. Initial results typically arrive in 30 to 60 days on our most popular plan.
🛡️ No obligation. Secure and confidential. Real human guidance.
Backed by Our Deletion Guarantee
No long-term contracts. No pressure. Every plan runs 3 to 4 full dispute rounds. If we don't get a single item removed from your credit report in that window, you get every dollar back. We earn your business with results, not fine print.
- ✓ 3 to 4 rounds, 90 to 120 days
- ✓ Zero removals = full refund
- ✓ No contracts, cancel anytime
Results vary based on individual credit profiles and are not guaranteed.
What We Do
Our Credit Repair Services
Four services, one goal: a credit report that says only what is accurate, complete, and verifiable.
Credit Dispute
Hand-prepared disputes to Equifax, Experian, and TransUnion, challenging every item with a legitimate basis, and escalating when a bureau stalls.
Learn more →Credit Protection
Secondary bureau freezes with ChexSystems, LexisNexis, and others to stop bad data from spreading while we work on the main three.
Learn more →Score Improvement
A round-by-round strategy built from your actual reports, with monthly progress updates whether items moved or not.
Learn more →Credit Education
You learn what we're doing and why, so when the work is done you know how to keep your report clean for good.
Learn more →Our Process
Four Steps, Repeated Until It's Right
No mystery, no black box. Here is exactly what happens after you sign up, and what happens when a bureau pushes back.
Free consultation
We pull all three reports and go through them with you line by line, then tell you honestly what is actually disputable and which plan fits. Sometimes that is the cheaper one.
We build the case
Every inaccurate, incomplete, or unverifiable item gets documented with the specific reason it fails, so your disputes hold up instead of getting dismissed as frivolous.
Disputes go out
Hand-prepared letters to Equifax, Experian, and TransUnion. On Pro and Elite we also go direct to the original creditors and collection agencies.
We escalate
When a bureau says "verified" without showing proof, we demand method of verification. If they stall, a CFPB complaint puts them on a clock. Most companies stop at step 3.
Real-Time Client Dashboard
Watch Every Dispute, Live
No wondering what's happening with your file. Your 24/7 client portal shows every dispute we've filed, every bureau response, and your score trend, updated as it happens, not at the end of the month.
- ✓ 24/7 client portal: every dispute and response, live
- ✓ Tri-bureau score tracking with instant alerts on new activity
- ✓ Identity-theft alerts included with your credit monitoring
- ✓ Monthly progress reports, whether items moved or not
Tracked weekly across all three bureaus
Illustration of the portal. Your dashboard shows your real file.
What We Dispute
If It's Wrong, It's Fair Game
Most negative items have something wrong with them: a date that does not match, a balance that is off, the same debt reported twice, or an account nobody can actually verify.
What You Actually Get
Every Promise on This Page, in Writing
No vague claims. These are the specific terms and escalations your contract commits us to.
Why Credit Phoenix
Built the Way This Should Have Been Built
This industry earned its reputation. Here is what we do differently, and every one of these is in your contract.
A money-back promise, not a fake guarantee
No items removed in your window and your fees come back. We will never promise a specific deletion, because no one can control what a bureau does.
Never billed ahead of the work
Your balance is charged after the round is finished and your letters are ready to send. You are never paying for work that has not happened yet.
Every item, every round
We do not cherry-pick the easy deletions and leave the rest sitting there. Every negative item gets reviewed and challenged wherever there is a legitimate basis.
CFPB escalation on every plan
When a bureau or furnisher ignores its legal obligation, we file. It costs nothing, they have to respond on a clock, and almost nobody uses it.
No long-term contract
Cancel any time. You also have a federal right to cancel within three business days of signing, in writing, with no explanation needed.
Simple, Transparent Pricing
Three plans, two ways to pay, and every promise in writing. See exactly what each plan includes, side by side, and what it costs before you ever talk to us.
Questions & Answers
Frequently Asked Questions
Is credit repair legal?▼
Yes. The Fair Credit Reporting Act gives you the right to dispute anything inaccurate, incomplete, or unverifiable on your report, and the Credit Repair Organizations Act sets the rules companies like ours have to follow. We work inside both, and it's why our contract, billing, and promises look different from most of this industry.
How long does credit repair take?▼
Bureaus have up to 30 days to respond to each dispute, so real movement typically starts in 30 to 90 days depending on your plan, then continues round by round. Anyone promising to fix your credit in a week is making the exact promise the FTC shuts companies down for.
What can be removed from my report?▼
Anything inaccurate, incomplete, or unverifiable: collections, charge-offs, late payments, repossessions, duplicate accounts, re-aged debt, wrong dates and balances. What can't be removed is accurate, current, verifiable information. No one can do that legally, and we won't pretend otherwise.
What happens in the free consultation?▼
We pull your three reports and go through them with you line by line, then tell you what's genuinely disputable and which plan fits your situation, even if that's the cheaper one, and even if the honest answer is that you don't need us yet.
About Credit Phoenix
Built By Someone Who's Been There
Credit Phoenix exists because this industry earned its bad reputation: fake guarantees, upfront fees, and results that never come. We built the company we'd want to hire: every promise in writing, billing only after the work is done, and honest answers even when they cost us a sale.
Because this was never really about a number. It's about the apartment application, the car loan, the mortgage. The life the number was standing in front of.
We know, because we've been there. The rise is the whole point, and so is the free education that makes sure you never fall back.
Read our story →Free Resources
Start For Free, Today
Free education is our way of giving back, whether you ever hire us or not. Understand your credit, learn from what happened, and make sure you never end up here again. Both guides are free.
The Credit Improvement Guide
The plain-English playbook we wish every client had read before calling anyone.
- ✓ How credit scores actually work, minus the myths
- ✓ The 5 fastest levers to move your score
- ✓ What to check on your reports before disputing anything
✓ You're on the list. Your guide is on its way to your inbox.
No spam, ever. Unsubscribe any time.
The DIY Credit Repair Kit
Prefer to do it yourself? This is the honest version of what we do, in your hands.
- ✓ Step-by-step dispute walkthrough under the FCRA
- ✓ Sample dispute letter templates for all 3 bureaus
- ✓ What to do when a bureau says "verified"
✓ You're on the list. Your kit is on its way to your inbox.
No spam, ever. Unsubscribe any time.
Ready to Start Fixing Your Credit?
Book a free consultation and we'll go through your actual reports with you, or skip straight to signing up if you already know what you need. Either way, nothing is billed before the work is done.