Do you need credit repair?
Yes to any of the above? You probably need credit repair.
Frequent questions about credit repair
How much does credit repair cost?
It depends! We do flat rate pricing with affordable payment options, starting at $100/mo.
How high should your credit score be?
Generally, a score of 650 or higher is considered good. Depending on your financing goals, you may need a higher score to buy or finance what you want.
How much will your credit improve?
It depends! Our goal is to get you the highest score possible which is possible through credit repair, credit counseling, and debt settlement. Our goal is to get our clients to 640+ FICO
How long does credit repair take?
It should take 3 months, but if your problem is complicated it will take longer, or you may have to file a FCRA lawsuit.
What is a good credit score?
Here is a handy credit score chart, which will give you a credit score range to aim for when trying to improve your credit.
Why Should You Try Credit Repair?
Quite simply, professional credit repair will help increase your credit score. When you increase your credit score, many options and possibilities become available to you, like easier approvals for mortgages, car loans, personal financing, and credit cards. Also, you may not have to pay a utility bill security deposit when setting up a new account and your interest rates for any type of financing will be lower.
HAVING GOOD CREDIT =
Lower interest rates
Lower security deposits
No down payments
BAD CREDIT SCORE?
Get 5 Free Tips to Improve Your Credit Score
“I would highly recommend Arizona Credit Law Group to anyone in need the professional services they provide. Their staff are very knowledgeable, honest and will provide you with the best options for YOUR personal credit situation.”
-Conrad L. May 10, 2019
What is credit repair?
Credit repair is the process of disputing inaccurate information on your credit report with a credit bureau. You can use credit repair to improve your credit score, if credit reporting errors are the problem.
What should I know about credit repair?
Watch this quick video explaining what credit repair is and how you can use it!
Want to know more about credit?
Hard Pull vs. Soft Pull
What is the difference? A hard pull happens when you apply for credit - this is only bad when you apply for credit too often. Watch to find out more!
How do I get great credit?
There are so many ways to improve your credit score: credit cards, paying them down, paying everything on time, and so much more!
FAKO v. FICO
Ever wonder why your credit scores vary? You receive free credit scores from credit cards, credit monitoring and more, but when you apply for something your credit is lower. This video explains why.
Top 4 most common credit reporting errors
1. Personal Information Errors
Sometimes your name, social security number, date of birth and address are reported incorrectly and need to be fixed.
2. Inaccurate Late Payments
“Late” for credit reporting purposes is 30+ days late. Often there might be payments that we marked late, even though they were paid on time.
4. Mortgage Issues
Rolling Late Payments: When one late becomes multiple payments - especially with a loan modification.
Mortgage Deficiency Balances: If you lost your home to short sale or foreclosure, and a balance is still reported - before you pay make sure you owe it.
Zombie Foreclosures: If you filed bankruptcy but the bank didn't foreclose on the house for years or still hasn't - you have options.
Take the first step to your better financial future.
- In-person credit consult with a lawyer
- A review of your credit report
- Recommendations for your situation
- A $250 value
START YOUR CREDIT REPAIR TODAY FOR FREE:
During the consult, we will review your situation, documents, and create a plan of attack. We will also give you a quote for services and payment options.