Credit Removal

A recent study by the U.S. Public Interest Research Group found that over 70 percent of all credit reports contained errors.

These negative marks on your credit history can have devastating consequences. CSR investigates these errors on your credit report and challenges the credit reporting agencies and/or creditors on your behalf to make sure every entry on your credit report is 100% accurate. By the law, we hold your creditors responsible for the damages caused by inaccuracies on your credit reports.

A bright red illustration of the word 'Approved' next to a checkmark

We make sure the collection accounts, charge-offs, slow pays, tax liens, foreclosures, bankruptcies, repossessions, delinquent student loans and judgements that don’t belong on your credit report are removed. We also make sure the good credit you have remains on the credit report. We help to restore your credit by demanding that your creditors comply with the federal laws listed below to protect you, our valued client:

1. Fair Credit Reporting Act

2. Fair Debt Collection Practices Act

3. Fair and Accurate Credit Transaction Act

4. Health Insurance Portability and Accountability Act

5. Fair Credit Billing Act

An illustration of someone's credit score of 760, rated excellent
A woman in a pink shirt sitting cross-legged on a chair with a laptop in her lap thinking about credit

Inquiry Removal

Sign up with and try to get a merged report.
Count your credit inquiries on Experian, Transunion and Equifax
Fill out the form or call us to order. Please provide all information that we ask in the form to prevent a delay).
As soon as the payment goes through we will process your request.
You will be able to see your credit inquiries removed online.


Please Note: We do not remove credit inquiries that are attached to OPEN BUSINESS and/or PERSONAL revolving and/or installment accounts. Also if you opened a personal and/or business bank account and bank run you credit. Credit inquiry will stay on the report. If you asked for credit limit increase and bank run your credit then credit inquiry will stay on report. Credit inquiries generated through Auto, Mortgage, Rent, and Employment, Denied credit application or closed accounts can be removed.

$30 removal fee for all credit reporting agencies Experian, Equifax and Transunion,

We do not charge per removal per agency, its just a $30 fee per inquiry for all agencies.

ChexSystems Removal

ChexSystems Removal  1-3 items $450.

ChexSystems is a check verification service and consumer credit reporting agency owned by the eFunds subsidiary of Fidelity National Information Services. It provides information about the use of deposit accounts by consumers.

Having a written or having checks bounce can go against you when opening a bank account. Our team of credit repair specialists can help. 
We can help remove those negative items from your report to help you get a bank account again!!!
An illustration of a credit score meter with the needle on the dark green 'excellent' score.

We try to address information about our services as well as helpful information regarding credit.

Yes, it 100% legal. According to the FTC (Federal Trade Commission) and the FCRA (Fair Credit Reporting Act) a consumer has the right to question and ask for an investigation for every negative item on their credit report.

The average credit file takes 3 to 6 months to repair.

There are 3 major Credit Bureaus: Experian, Equifax and Trans Union. All three bureaus act independently and all have their own scoring systems.

Your credit report contains your personal information (name address, date of birth, SS#, etc.); it is made up of your entire credit history, both positive and negative, for the last 7 to 10 years.

  1. Account Mix: If you have too much of one type of debt this will lower your score.
  2. History: Length of credit history, number of credit card accounts, credit card activity, credit card balances, charge off accounts, late payments, collection accounts, public records, number of inquiries.
    What type of balances should I maintain?
  3. Your credit card balance should be between 20-50% of your credit card limit. (eg: If your credit card limit is $1000, your balance should stay between$200-$500)

You are entitled to a 100% refund if:

  • You have had six months from the time you retain our services.
  • You have at least four negatives on the credit report at the time of sign-up.
  • You have not used a credit-consulting agency nor attempted to repair your credit two years previous to signing up for our services.
  • You agree to send updated reports from the three credit bureaus to us within 5 days of receipt.

(Clients should receive updated credit reports every 15-45 days. It is the client’s responsibility to make us aware if updated reports have not been received).

Your credit card balance should be between 20-50% of your credit card limit. (eg: If your credit card limit is $1000, your balance should stay between$200-$500).

Late Payments, Charge off Accounts, Collection Accounts, Public Records (Bankruptcies, Judgments, Tax Liens)
how long does negative information stay on my credit report)

  • Late Payments: 7 years
    Charge off Accounts: 7 years
    Collection Accounts: 7 years
    Public Records: Judgments: 7 years
  • Bankruptcies: 10 years
    Paid Tax Liens: 10-15 years
    Unpaid Tax Liens: Indefinitely
    How are negative items removed?

Negative items are removed by requesting the Credit Bureaus to investigate the creditors and verify the negative information they are reporting according to the guideline s in the FCRA.

The FCRA states that even if negative information belongs to you, if the information contains any inaccuracies, is not being reported and handled according to the guidelines set by the FCRA or cannot be verified in its entirety, then by law it must be removed. Statistics show that inaccuracies occurs more than 70% of the time in a credit file.