Best Credit Repair Companies in Avondale, Arizona

credit repair companies in avondale

Do you need some help with your credit score? Many people do. It can be an overwhelming situation that leaves you unsure of where to turn but Go Clean Credit has your back. We can help you find the best credit repair company for your needs. Take a look at the list of the best credit repair companies in Avondale, Arizona that we’ve compiled below.

Below are 5 of the best credit repair agencies in Avondale, Arizona

Go Clean Credit

Go Clean Credit is a top credit repair company in Avondale, Arizona, with more than a decade of service in helping customers repair their credit scores as quickly and easily as possible. Their dedicated staff offers personalized credit repair tailored to your specific debts and financial circumstances. They understand that life happens and credit can be difficult to maintain, and they put their customers first when assessing potential repair solutions. Consider reaching out to them today for a consultation!

Anytime Credit Repair

For ten years, Anytime Credit Repair has had teams who have worked for one of the largest debt collection agencies in America. This means they understand both sides of the fight and can use this knowledge to represent clients more effectively. The crew at Anytime Credit Repair pride themselves on being committed to providing the type of service and experience you can tell your friends and family about.

Highland Credit Repair

Highland Credit Repair offers a seamless combination of great technology and professionals who are highly knowledgeable in order to provide clients with excellent service. They like to follow three easy steps to educate their clients and repair their credit and believe that their strategy will help keep them achieve financial stability. They are especially recommended if big business debts are a serious concern.

Credit World Finance

Credit World Finance specializes in giving customers knowledge about their situation so they can make smart choices today and in the future. This helps clients better understand how to read credit reports and why some inaccurate information is present on them.  This is important because inaccurate information can really impede your ability to repair your credit. Do not stuck in an endless cycle of high interest, high fees, and continual credit rejection so fix this as soon as possible. If you see unusual things on your credit report, Credit World Finance is one of the best credit repair companies in Avondale, Arizona.

AZ Credit Medix

AZ Credit Medix takes pride in finding the perfect solution to help their clients clear their bad credit. They like to stick to set deadlines and easy-to-meet goals and are confident in their ability to take on whatever issues you might be facing. Also, they have successful reviews from clients who they’ve helped to boost their FICO scores to obtain the financing they need to achieve their goals. They have reasonable prices, flexible payment terms, and fast results.


For more information on the best credit repair companies in Avondale, contact Go Clean Credit to get back on the right track. We have many credit repair programs that are available to help you overcome your credit situation and place you back on the path to financial success. Real credit restoration is not a one size fits all model and we tailor your needs to the right program, but most people can start for just $99 per month.

We have fixed price programs that get you back on track in as little as 5 months, debt resolution solutions, programs geared toward people who have had recent short sales or foreclosures and many others. Help is just a free phone call away or you can fill out an appointment request. Contact Go Clean Credit to schedule a free consultation today.

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5 Simple Strategies for Fast Credit Repair

5 Simple Strategies for Fast Credit Repair

More than 35 million Americans have a less than perfect credit score, and some of them have scores that dip below 600. This can be detrimental for a number of reasons, including making it difficult to find lenders to approve business as well as personal loans. It’s worth noting, however, that repairing your credit score doesn’t have to be a challenge. There are a few simple steps to follow that make fast credit repair a reality. Stay calm and take a look at the five simple strategies below to help boost your credit score as quickly and easily as possible.

Get a Copy of Your Credit Report

You are entitled to a free copy of your credit report, so make sure to take advantage of that offer and request yours as quickly as possible. Carefully look it over and identify any mistakes. If you find any, write to the agencies in charge of the debt with all supporting information substantiating your refutation. Take note of the debts that are correct, too, and use them to help begin your credit repair journey.

Resolve and Close Any Collection Accounts

Start working your way up from the smallest debts owed to the bigger debts owed, paying them off as you’re able. Do not agree to pay them off completely, however, until you have an agreement in writing that the debt collection agency will remove the account from all of the credit score reports it shows up on.

Apply for a Secure Credit Card

If you are unable to obtain a credit card, another fast credit repair tip to consider is to apply for a card with a small secured balance through a credit union or local bank. You basically put your cash in a savings account that is held as collateral for your credit line. Use the card sparingly and pay it off monthly.

Make a Budget

Once you have a handle on your debts and the order in which you’ll pay them off, it’s time to create a realistic budget. How much money do you need to cover your essentials every month? This includes the necessities like your rent and your car payment, but maybe not extras like the high-end cable package or multiple dinners out a week. Cut your expenses down to the bare minimum and apply everything possible towards paying off your debts. You can splurge once your finances are back on track and you have the money to spare.

Don’t Get Rid of Older Credit Cards

Older credit cards add more value to your credit rating score than newer cards. If you must get rid of a card or two, make sure it is one of your newest ones. This will showcase you in a better light.

Fast credit repair doesn’t have to be a dream. It just takes some planning and dedication to help raise your score. If you’re looking for a little extra help, don’t hesitate to reach out to the professionals at Go Clean Credit, too!


For more information on the best credit repair companies, contact Go Clean Credit to get back on the right track. We have many credit repair programs that are available to help you overcome your credit situation and place you back on the path to financial success. Real credit restoration is not a one size fits all model and we tailor your needs to the right program, but most people can start for just $99 per month.

We have fixed price programs that get you back on track in as little as 5 months, debt resolution solutions, programs geared toward people who have had recent short sales or foreclosures and many others. Help is just a free phone call away or you can fill out an appointment request. Contact Go Clean Credit to schedule a free consultation today.

Top Credit Repair Companies in Scottsdale, Arizona

top credit repair companies in scottsdale, arizona

Are you looking to increase your credit score, but cannot find the right credit repair company to help your unique situation? We have compiled the top credit repair companies in Scottsdale, Arizona to help get your credit moving in the right direction.

Here are the top credit repair companies in Scottsdale, AZ

Go Clean Credit

Go Clean Credit is one of the top credit repair companies in Scottsdale, offering personalized credit correction services since 2003. Because restoring your credit can be a daunting task, Go Clean Credit makes it a hands-on process specified for your needs. You may be dealing with mortgage correction, judgments, bankruptcies, student loans or identity theft. Go Clean Credit provides a trusted source for credit repair companies in Scottsdale. Their client-centered approach pairs credit restoration with credit education to keep you on the right track. They understand that good people can have bad credit and have helped thousands of people just like you. Most importantly they are not a faceless company that will treat you like a “number”.

Truly Fair Credit

Are you struggling with a poor credit score? If so, Truly Fair Credit is here to help you improve your score. Once they have your information and credit report they can begin to review your current situation. After their review process, they will have a professional account specialist reach out to you and discuss the next steps moving forward. This person will stay with you until you reach a score you are happy with. In addition to reviewing your documents, their staff will create a customized strategy to resolve your credit problems and begin directly interacting with the bureaus and creditors on your behalf.

Credit Repair Today

Credit Repair Today is not only here to help you repair your credit score, but they are interested in educating you on what happened in the first place so you’ll never have to find yourself dealing with a low credit score every again. They will go over the basics of your credit report, how to look for inaccuracies, how to prevent and deal with ID theft and the credit scoring system. When you need help or you have any questions they offer a live credit repair counselor that you can talk to any day of the week. They pride themselves on having no monthly fees and they only have one flat rate.

Andorra Credit Repair

When you choose Andorra you can expect to receive an immediate action plan regarding strategy to improve your credit score. In order for you to keep a healthy credit score, you need to be educated on how to never fall behind again. They claim that when you choose Andorra you will receive an entirely new variety of credit options that we not previously available to you. If you would like to know more about what those new options are, reach out to them today.


For more information on the best credit repair companies in Scottsdale, contact Go Clean Credit to get back on the right track. We have many credit repair programs that are available to help you overcome your credit situation and place you back on the path to financial success. Real credit restoration is not a one size fits all model and we tailor your needs to the right program, but most people can start for just $99 per month.

We have fixed price programs that get you back on track in as little as 5 months, debt resolution solutions, programs geared toward people who have had recent short sales or foreclosures and many others. Help is just a free phone call away or you can fill out an appointment request. Contact Go Clean Credit to schedule a free consultation today.

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10 Best Credit Repair Resources

10 best credit repair resources

As a premier credit repair company, we have a number of great resources available to support your credit repair journey. Therefore, we compiled a list of the 10 best credit repair resources in order to alleviate the stress that comes along with having a poor credit score.

Here are the 10 best credit repair resources:

The Cost of Bad Credit

We created a resource that breaks down your credit score, the percentage rate, payment, and added cost you can expect to pay when you want an auto loan, credit card and a mortgage with bad credit. Also, this resource will show you how your FICO® credit score is weighted. All of this information will allow you to see what your interest rates can be if you increased your credit score.

How to Improve Credit Score in 30 Days

Your credit score matters. Lenders take one look at your score and determine your mortgage or car loan rates, whether to approve your apartment or credit card application – and even whether or not to hire you for employment.

Given the impact of your score and the urgency of your life situation (that perfect house isn’t going to be on the market forever), there is a big incentive to improve your credit score quickly.

How Many Points Will a Collection Affect Your Credit Score?

Every time we view a collection account on our credit report, we cringe from knowing these accounts have a negative effect on a credit score. Those accounts show up each time a collection agency reports debts to credit bureaus. The resulting effect it has on a credit score is usually devastating. However, there are a few ways to avoid collecting accounts from damaging your credit score.

Whose Credit Score is Used on a Joint Mortgage?

You’re happily married and ready to buy your first house, but you and your spouse both have different credit scores. So what does this mean? By now, you’re probably worrying about whose credit score is used on a joint mortgage. Don’t worry, because we have all you need to know about getting one.

How Many Hard Inquiries Will Affect Your Credit Score? 

You might be asking yourself: “How many hard inquiries will affect your credit score?” To delve into the answer, we will take a closer look at what inquiries are, the difference between hard and soft inquiries, and how it might affect your credit score.

How Many Points Does a Credit Score Go Up When a Collection is Removed?

We know that even small oversights can cause huge damage to your report. So, it’s understandable that you’d be concerned. And, without trying to be too ominous, you should be concerned. High credit scores provide access to bank loans, higher mortgages, credit cards, and better interest rate. Some employer even runs credit checks to vet potential employees.

As you can imagine, it’s important to know your credit score. Let’s take a minute to review the basics and find out how many points you credit score rises when a collection is removed.

AnnualCreditReport.com

Annual Credit Report is your only source to obtain free credit reports from each credit reporting companies. With their free reports, you are able to ensure that the information on all your reports is accurate and up to date. Also, reviewing each report will allow you to catch signs of identity theft early as well as any inaccuracies.

Mint

If you would like an app to help you budget your money, track your bills, and check your credit score then Mint is right for you. You can personalize the platform to alert you on your day to day spending as well as receive tips and advice for maximizing your money. When you are up-to-date on what your spending month to month you will have a better understanding of how to allocate your money.

Nerd Wallet

With Nerd Wallet you can easily compare a wide variety of options to find the right credit cards, savings account, online broker, mortgage, personal loan, and student loan for you. Their army of knowledgeable nerds has the ability to make the most complicated money questions easy to understand. They can even offer tailored recommendations based on your unique situation. All you have to do is tell them more about you and the rest is history.

National Do Not Call Registry 

The National Do Not Call Registry allows you to choose whether you would like to receive telemarketing calls or not. I’m sure most of you did not know this could be done. It takes less than 3 minutes to sign up. All you have to do is add the phone number(s) you do not want telemarketers to call and click through a link from your email. Once this is complete enjoy a life free of unwanted calls.

Best Credit Repair Companies in Flagstaff, Arizona

Best Credit Repair Companies in Flagstaff, Arizona

Do you need to get your credit back on track, but you’re not sure where to turn? Go Clean Credit is here to help. We know that finding the right credit repair company to educate you on your specific situation can tough. You need someone who you can trust and someone who has credible experience. To help make that process a little easier we have compiled a list of the best credit repair companies in Flagstaff, Arizona to assist you today.

Best Credit Repair Companies in Flagstaff, Arizona:

Go Clean Credit

Go Clean Credit is one of the top credit repair companies in Flagstaff, offering personalized credit correction services since 2003. Because restoring your credit can be a daunting task, Go Clean Credit makes it a hands-on process specified for your needs. You may be dealing with mortgage correction, judgments, bankruptcies, student loans or identity theft. Go Clean Credit provides a trusted source for credit repair companies in Flagstaff. Their client-centered approach pairs credit restoration with credit education to keep you on the right track. Most importantly they are not a faceless company that will treat you like a “number”. They understand that good people can have bad credit and have helped thousands of people just like you. Contact them today for a free consultation to discuss how they can help repair your credit.

Credit Consultants Financial Group

Credit Consultants Financial Group employees understand the feeling of having bad credit. A few of them have experienced this unfortunate fate themselves and have vowed to help other people out of their slump. Credit repair does not happen overnight and they know that. At Credit Consultants Financial group they will walk you through every step of the credit repair process so you become educated for your future. Your success determines their success, so they pride themselves on taking the necessary steps to repair your credit in a timely manner.

Credit Absolute

When you choose Credit Absolute to assist you with credit repair you can expect great service. They offer an initial credit audit to determine your current situation. Once they have determined how they can help you they will have one of their consultants sit down one-on-one to discuss how they can help you repair your credit. Their credit repair practices are based on their proven customized credit dispute process and their credit attorney to get you the best results. Their process typically takes up to 60 to 90 days to complete.

Main1Credit

Main1Credit provides proven solutions to fix your credit without all the hidden fees. They can help you fulfill your dreams and help you reach your goals with a healthy credit score. Main1Credit will not stop until you are fully educated on your current credit situation and will make sure your comfortable handling your credit on your own. If you have Bankruptcies, Judgments, Collections, Late Payments, Inquiries, Foreclosures, Incorrect Information, Student Loans, Unsecured Debt contact them for a free consultation and one of their trusted professionals can help you.

Key Credit Repair

Key Credit Repair starts you off with a free credit report analysis with one of their trusted consultants. The reason the start you off like this is because they want to know exactly what is causing your credit headaches. They understand that every credit report is unique and will create a personalized strategy to get you back on track. It is important for you to know that you will be working with the same consultant from day 1 and you will receive excellent service.


For more information on the best credit repair companies in Flagstaff, contact Go Clean Credit to get back on the right track. We have many credit repair programs that are available to help you overcome your credit situation and place you back on the path to financial success. Real credit restoration is not a one size fits all model and we tailor your needs to the right program, but most people can start for just $99 per month.

We have fixed price programs that get you back on track in as little as 5 months, debt resolution solutions, programs geared toward people who have had recent short sales or foreclosures and many others. Help is just a free phone call away or you can fill out an appointment request. Contact Go Clean Credit to schedule a free consultation today.

Better Business Bureau Credit Repair Companies

Better Business Bureau Credit Repair Companies

If you’re struggling with mounting credit card debt you are probably looking for a credit repair company to relieve you of that debt. Finding the right credit repair company can be a daunting task, so we have compiled a list of Better Business Bureau (BBB) credit repair companies to help you make that decision easier. These credit repair companies have been given an A+ rating and they are in various different states. The BBB gives an A+ rating to companies who exhibit outstanding transparency and integrity to their customers.

Here is a list of Better Business Bureau Credit Repair Companies with an A+ rating:

Go Clean Credit

Go Clean Credit is one of the top credit repair companies in Yuma, offering personalized credit correction services since 2003. Because restoring your credit can be a daunting task, Go Clean Credit makes it a hands-on process specified for your needs. You may be dealing with mortgage correction, judgments, bankruptcies, student loans or identity theft. Go Clean Credit provides a trusted source for credit repair companies in Yuma. Their client-centered approach pairs credit restoration with credit education to keep you on the right track. They understand that good people can have bad credit and have helped thousands of people just like you. Most importantly they are not a faceless company that will treat you like a “number”.

Accelerated Credit Solutions

For 10+ years, Accelerated Credit Solutions has fixed issues on your credit report because they know what works and what doesn’t. They never use stall tactics to try to prolong the process because they do not charge monthly fees. They will never bill you until a successful service round is complete so you know exactly what you are paying for. Their services are not only cost-effective, but they are also low maintenance. All you have to do is keep up access to your credit monitoring, and they’ll do the rest. Once they remove negative items on your report, they will send you a detailed analysis, wait for you to check your new report and confirm the results. They will then educate you on how you can avoid these missteps in your future.

Fortress Credit Professionals

When you are interested in using Fortress Credit Professionals for your credit repair needs they’ll conduct a free credit consultation and provide an estimate over the phone. If you don’t have a recent three bureau credit report they can order one for you. They will dispute all of your negative items on your report at once and only charge you for what they were able to remove. You will not pay a monthly fee because they believe that money can be used for more important things. Most of their clients finish within 90 to 180 days and can see improvements throughout the engagement.

Accius Credit Repair

Is your credit score preventing you from being approved for a loan or your next big purchase? Accius Credit Repair can help repair your past and prepare you for a much better financial future. Accius offers a free initial consultation before they offer to help. They want to fully understand your situation so they can piece together a knowledgable action plan for you to succeed. After their evaluation, they will work closely with you to devise a personalized strategy and dispute inaccuracies with all three credit bureaus.

Guardian Credit Repair

Guardian Credit Repair is a national credit repair and restoration company working with clients and creditors to improve credit profiles. Their credit experts communicate with credit bureaus by challenging questionable, inaccurate, outdated, misleading, or unverifiable data on consumer credit reports. They investigate any mistakes which may be lurking in your credit report to have them resolved and repaired, allowing you the financial freedom and advantages a good credit score provides you. In order for you to feel like you learned something while working with their consultants, they will educate you every step of the way.


For more information on the best Better Business Bureau Credit Repair Companies, contact Go Clean Credit to get back on the right track. We have many credit repair programs that are available to help you overcome your credit situation and place you back on the path to financial success. Real credit restoration is not a one size fits all model and we tailor your needs to the right program, but most people can start for just $99 per month.

We have fixed price programs that get you back on track in as little as 5 months, debt resolution solutions, programs geared toward people who have had recent short sales or foreclosures and many others. Help is just a free phone call away or you can fill out an appointment request. Contact Go Clean Credit to schedule a free consultation today.

Top Credit Repair Companies in Yuma, Arizona

Credit Repair Companies

Are you trying to get your credit to a satisfactory point, but can’t seem to find the right help? We have compiled the top 4 credit repair companies in Yuma, Arizona to help get you moving in the right direction.

Here are the top credit repair companies in Yuma, AZ

Go Clean Credit

Go Clean Credit is one of the top credit repair companies in Yuma, offering personalized credit correction services since 2003. Because restoring your credit can be a daunting task, Go Clean Credit makes it a hands-on process specified for your needs. You may be dealing with mortgage correction, judgments, bankruptcies, student loans or identity theft. Go Clean Credit provides a trusted source for credit repair companies in Yuma. Their client-centered approach pairs credit restoration with credit education to keep you on the right track. They understand that good people can have bad credit and have helped thousands of people just like you. Most importantly they are not a faceless company that will treat you like a “number”.

Credit Repair Ease

Are you struggling with a poor credit score? If so, Credit Repair Ease is here to help you improve your credit. At Credit Repair Ease their mission is to help you gradually work on areas in your credit report. They leverage their long-running experience in the financial industry to help clients understand every aspect of their credit reports. Every client gets a dedicated credit counselor who helps in accessing a free credit score, reviewing the report, disputing erroneous items and implementing other strategies to improve the credit score.

Lexington Law

For over 25 years, Lexington Law’s credit repair services have been helping clients legally dispute the questionable negative items on their credit reports with impressive results. Their clients have seen millions of negative items removed from their credit reports including late payments, collections, charge-offs, and even bankruptcies. Lexington Law is here to help you meet your credit score goals. Their credit repair services are designed to help you improve your credit score. No matter your credit history and financial standing.

Sky Blue Credit Repair

Sky Blue has offered credit repair and restoration services since 1989. They have a simple process when it comes to applying for credit repair. Upon receipt of your credit reports, they will conduct a line-by-line review, note your issues, and present the list of items they have identified as dispute candidates for your review. As appropriate they will also provide a list of practical score optimization and rebuilding tips applicable to your situation.


For more information on the best credit repair companies in Yuma, contact Go Clean Credit to get back on the right track. We have many credit repair programs that are available to help you overcome your credit situation and place you back on the path to financial success. Real credit restoration is not a one size fits all model and we tailor your needs to the right program, but most people can start for just $99 per month.

We have fixed price programs that get you back on track in as little as 5 months, debt resolution solutions, programs geared toward people who have had recent short sales or foreclosures and many others. Help is just a free phone call away or you can fill out an appointment request. Contact Go Clean Credit to schedule a free consultation today.

Does a Government Shutdown Affect Your Credit Score?

Credit Score Government Shutdown

This insight comes from David Chami, a seasoned trial lawyer, and the State Co-Chair for the National Association of Consumer Advocates in Arizona.  His law firm, Price Law Group, is a national consumer advocacy law firm with several offices across the country.

A few weeks back I was asked how the 2018-2019 government shut down could impact consumers’ credit scores.

The question seemed obvious to me:

If federal employees were forced to work for no pay, or ineligible for unemployment (since they were technically still employed) it would only be a matter of time before some of those employees would fall behind on the bills.  With less money on hand, many would have to choose between paying their credit card bills, mortgage payments, keeping the heat on this winter or buying groceries to feed their families.  I could imagine that credit cards would probably fall last in the line of priorities for most of those “employed” but not paid civil servants.

What happens when the bill comes and there is no money to pay it?

I suspect many of the civil servants had no choice but to fall behind on those payments and simply take the hit on their credit. The effects of bad credit can negatively impact quality of life. As a consumer protection attorney, I don’t believe that reporting a federal employee as being delinquent on their bills is accurate under the Fair Credit Reporting Act, when the reason for the late payments is the result of an act completely out of their control. These civil servants didn’t have the ability to look for another job or apply for unemployment. Many were forced to go to work for no pay.

In many jurisdictions across this country, courts have found that something on your credit report may be “technically” accurate but still be “materially misleading”.  That’s exactly what I believe is true for those federal workers who had actually missed a payment on their bills due to the government shutdown.  And with another possible shutdown looming we are not yet out of the woods.

How can you fix credit reporting errors?

The Price Law Group specializes in helping consumers deal with credit reporting errors.  We offer guidance to consumers as to the accuracy of the information reporting and assist consumers by helping them to understand the dispute process.  If the credit reporting agencies refuse to correct inaccurate information which was properly disputed, we will oftentimes file a lawsuit to make them do what’s right under the law.

Fortunately for our clients, we are able to recover our fees from the companies reporting the inaccurate information as well as the credit reporting agencies who refused to correct the error.  We don’t ask our clients to pay anything out of pocket when we believe that the consumer has been victimized.  There are attorneys all over this country that belong to the National Association of Consumer Advocates helping consumers get justice and our lawyers are proud to be part of that team.

10 Credit Repair Tips To Help Fix Your Credit Score

credit repair tips

If you’re someone who has a credit score below 600, you will have a hard time finding lenders who will approve you for personal and/or business loans. The good news is, you have plenty of opportunities to improve your credit score over time. Increasing your score may take a few months, but once you are at a score your comfortable with you will feel a huge weight lift off your shoulders. Fortunately, it’s not difficult to improve your score.

Here are 10 credit repair tips you can follow in order to increase your credit score:

Set Your Budget

Make a change and set a budget that fits your income. Of course, the most important part is to stick to it. Make a list of all the expenses you have and the amount you will spend on them. Many times you spend less overall just by creating a budget for yourself.

Track Your Spending

Tracking every dollar you spend for a short period of time will educate you on where your money is going. It will open your eyes as to how spending even small amounts of money adds up over time and may require credit repair services. Tracking your money will also identify areas of spending that may otherwise go unnoticed. Track your spending for a full month using a free online software service like www.Mint.com, or an Excel spreadsheet or notepad. Knowing that you’re tracking spending can provide you with valuable information about your spending patterns, and may reduce your spending.

Make Lists of Expenses

In addition to setting your budget, make a list of the fixed expenses (ie – rent) and variable expenses (ie – clothes) you need to buy for the next couple of months. Include all your expenses on your list. Take the list with you when you go out to help you stay focused and avoid impulse purchases.

If You Use Credit, Pay it Off in Full

The rule of thumb should be that you never use more on your credit card than you can pay off in full that month. Many people will see something on sale that they really want but don’t have the cash for. They use a credit card and then pay interest on the balance because they can’t pay it off. Now that “sale” item probably cost more than full price. It never helps your credit score to carry a balance, so why pay interest? It’s better to hold off until you know you have the cash in hand to purchase that item and save your credit limit for emergencies. Plus, doesn’t it feel more rewarding when you’ve saved up and earned that item, rather than making an impulse buy and having debt regrets later?

No Credit Equals Bad Credit

You need credit accounts to be reporting to your credit report in order to improve your credit score. You must have at least 1 open revolving account, even if you have no negative accounts. In addition, this revolving credit account must have been used in the last 6 months. There are a couple of ways to get credit to improve your credit score in 30 days. One way is opening a secured credit card, with a preference being given to a card that reports as an unsecured card with your credit limit to all 3 bureaus. The other way is to add yourself to a seasoned trade line. Someone with good credit history can add you as a co-signer, where you are equally responsible for all debt. Or, they can add you as an authorized user, where you are not responsible for any of the debt – and Mortgage FICO 5 will count the history as yours.

Remove a Late Payment

Removing a late payment will take persistence. There are a couple of ways to request a removal. The most common and effective way is to call the original creditor and ask for a goodwill adjustment. If they resist, you can even negotiate the removal of the late payment by agreeing to sign up for automatic payments. For other late payments, you can file a dispute against the late payment for inaccuracy.

Make Your Monthly Payments on Time

If you have an issue with lenders reporting you a day or two late, call them to see if they can change your on-time payment. This could be offered to you if you are not a frequent offender. The other option is to remove a late payment. You can try to file a dispute against the payment for inaccuracy. You can also call the original creditor and ask for a goodwill adjustment. If they do not allow you to add the adjustment you can negotiate by asking for automatic payments. This will show your interest in keeping up with monthly payments. The good thing is that the impact of past credit issues fades as time passes. Try to keep up with good payment patterns so your report will show you are handling your credit well.

Raise Your Credit Limits

Call your credit card companies and request a raise to your credit limits. Ask if they can raise your credit limit with a soft pull of your credit since a hard inquiry will appear under the “New Credit” category of your FICO score. If you can negotiate an increase of your credit limit with a soft inquiry, then you will instantly decrease your revolving balance ratio (revolving balance divided by your credit card limits).

Charge Small Amounts to Inactive Credit Cards

It’s easy to neglect older credit cards when you have a primary credit card that you use every day. If your credit cards haven’t had activity in the last 6 months, charge a small amount to the credit card. Creditors want to see that you are using the credit available to you (and paying the balances off responsibly). Charging a small amount and paying off the balance shows that you have a different mix of credit in use, which makes up a portion of your FICO score.

Authorized User Option

Another easy way to build credit fast is to ask someone to be an authorized user on their credit card. When asking someone to add you as a user you can tell them that authorized-user cards do not require a credit inquiry, which means their credit score will not offer. If that person trusts you, you can ask to be authorized on multiple accounts. Make sure these accounts have the highest credit limits if you want to increase your credit score the most.


No matter what your situation, Go Clean Credit has a solution. We have many credit repair programs that are available to help you overcome your credit situation and place you back on the path to financial success. Real credit restoration is not a one size fits all model and we tailor your needs to the right program, but most people can start for just $99 per month.

We have fixed price programs that get you back on track in as little as 5 months, debt resolution solutions, programs geared toward people who have had recent short sales or foreclosures and many others. Help is just a free phone call away or you can fill out an appointment request. Contact Go Clean Credit to schedule a free consultation today.

Best Credit Repair Companies in Peoria, Arizona

Are you struggling to find a credit repair company to help you increase your credit score? If you’re struggling with bad credit, it is important to get it straightened out before you decide to make a big financial move. Even small moves may require you to have a decent credit score. We understand that finding the right company can be a daunting task, so we’ve compiled a list of the best credit repair companies in Peoria, Arizona.

Best Credit Repair Companies in Peoria, Arizona

Go Clean Credit

Go Clean Credit is one of the top credit repair companies in Peoria, offering personalized credit correction services since 2003. Because restoring your credit can be daunting, Go Clean Credit makes it a hands-on process specified for your needs. Whether you’re dealing with mortgage correction, judgments, bankruptcies, student loans or identity theft, Go Clean Credit provides a trusted source for credit repair companies in Peoria. Their client-centered approach pairs credit restoration with credit education to keep you on the right track.

The Credit Repairmen

The Credit Repairmen are a full-time, full-service credit repair and restoration company that was created to help everyone achieve their credit goals. They realized early on that if they wanted to be successful, they needed to focus on your success. Whether you are trying to buy a home, upgrade your car or your life in general, the Credit Repairmen are here to help. Their credit repair system was designed as a multi-step process that puts the power of having good credit back in your hands. They start with a free evaluation and identify the items that are hurting your credit score and end with educating you on how you can fix the issue and never have this happen again.

Andorra Credit Repair

Andorra provides an immediate action plan to improve your credit standing. Sure, you could wait for negative items to drop off in 7-10 years, or you could even try to repair your credit yourself but end up getting poor results and frustrated by the whole process.company. They are setting new standards in credit repair. They refuse to settle for the status quo and want to make sure that their clients see success in all the services that they offer. With a full range of credit repair services, they are able to offer their clients an entirely new variety of credit options that weren’t previously available to them. In fact, over time their clients typically see a complete credit recovery.

Successful Solutions Consulting

For years, Successful Solutions has assisted hundreds of consumers to not only repair or delete erroneous information from their credit reports but also to rebuild their credit, providing legal alternatives to increase their credit scores. Their extensive experience in the credit repair field allows us to consistently increase their knowledge about credit repair strategies. They use this knowledge to dispute issues on their client’s credit reports with a high level of success in the first attempt. Their credit repair process includes the generation of “unique dispute letters,” revised individually, which translates into better results from the first round of disputes.


For more information on the best credit repair companies in Peoria, contact Go Clean Credit to get back on the right track. We have many credit repair programs that are available to help you overcome your credit situation and place you back on the path to financial success. Real credit restoration is not a one size fits all model and we tailor your needs to the right program, but most people can start for just $99 per month.

We have fixed price programs that get you back on track in as little as 5 months, debt resolution solutions, programs geared toward people who have had recent short sales or foreclosures and many others. Help is just a free phone call away or you can fill out an appointment request. Contact Go Clean Credit to schedule a free consultation today.