Our Credit Repair Programs: Choose the Right Option for You

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This program, part of the EZ Credit Builder suite, includes basic disputes submitted to the major credit bureaus to challenge inaccurate, outdated, or unverifiable information. It also features general credit report cleanup to improve overall credit accuracy, aligning with the services offered in EZ Elite Credit Restoration, EZ Start Credit Repair, and EZ Total Credit Repair. Results vary based on individual credit profiles.

Our EZ Total Credit Repair program utilizes a two-layer approach to disputing inaccurate credit information, ensuring thorough and consistent follow-up.  

Layer 1: Credit Bureau Disputes  

We dispute inaccurate, outdated, or unverifiable items directly with the major credit bureaus (Equifax®, Experian®, and TransUnion®) in accordance with the Fair Credit Reporting Act (FCRA) as part of our EZ Start Credit Repair services.  

Layer 2: Original Creditor Disputes  

In addition to bureau disputes, our EZ Elite Credit Restoration team communicates directly with original creditors to request verification and, when applicable, correction of reported information. Results vary based on individual credit profiles, making our EZ Credit Builder program a tailored solution for your unique needs.

This program employs a three-layer approach to disputing inaccurate credit information, ensuring thorough and consistent follow-up through our services like EZ Credit Builder and EZ Elite Credit Restoration.

Layer 1: Credit Bureau Disputes

We dispute inaccurate, outdated, or unverifiable items directly with the major credit bureaus (Equifax®, Experian®, and TransUnion®) in accordance with the Fair Credit Reporting Act (FCRA), as part of our EZ Start Credit Repair process.

Layer 2: Original Creditor Disputes

In addition to bureau disputes, we communicate directly with original creditors to request verification and, when applicable, to request the correction of reported information, enhancing your experience with EZ Total Credit Repair.

Layer 3: Collection Agency Disputes

We also address challenges related to eligible public records, including bankruptcies, judgments, and liens.

This layered approach allows for a more comprehensive review of complex credit issues, and results may vary based on individual credit profiles.

Our EZ Elite Credit Restoration program is our most aggressive credit repair option, utilizing all available aspects of the credit repair process. This program is ideal for clients aiming for significant financial milestones such as home buying, auto loans, or establishing business credit. While our EZ Start Credit Repair and EZ Total Credit Repair options are also available, program suitability does not guarantee loan approval or specific credit outcomes. Results may vary based on individual credit profiles and lender requirements.

Our EZ Total Credit Repair Pay-Per-Deletion program ensures that clients only pay for confirmed deletions achieved through the credit repair process. After the one-time $249 audit fee, NO FEES are charged for disputed items that are not removed. The fees listed below by item type are per deletion, per bureau and apply to our EZ Elite Credit Restoration services as well as our EZ Start Credit Repair options.

Standard Negative Items: $79

(Late payments)

Collection Accounts: $149

Charge-Offs: $179

Hard Inquiries: $49

Personal Info: $10

Public Records/Real Estate: $299

(when legally disputable)

(Judgments, liens, bankruptcies) 

With our EZ Credit Builder approach, you can easily navigate the credit repair process.

By purchasing a tradeline, you acknowledge that you are being added as an authorized user to a third-party credit account for a temporary period of 90-120 days. This service is intended for credit profile enhancement purposes only, aligning with our EZ Credit Builder approach. 

We do not guarantee any specific credit score increase, credit bureau reporting outcome, or approval for financing. Some lenders and scoring models may disregard authorized user tradelines entirely, which is why our EZ Elite Credit Restoration service emphasizes the importance of understanding these factors. 

All sales are final once the tradeline has been successfully posted to at least one credit bureau. Timing of reporting may vary depending on the issuing bank and credit reporting agencies, an aspect we address in our EZ Start Credit Repair program. 

This service should not be considered a substitute for long-term credit building or financial management, but rather a step in the right direction as part of our EZ Total Credit Repair solutions.

Pricing per tradeline (bureau):

$2,000 - $4999 limit cards: $250

$5,000 - $7999 limit cards: $350

$8,000 - $14999 limit cards: $500

$15000 - $24999 limit cards: $750

$25,000 + premium/aged cards: $1500