Trusted Credit Repair & Education

Take Control of Your
Credit Score Today

We help clients nationwide dispute inaccurate items, build credit, and reach their financial goals — faster.

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87 pts Avg. Score Increase
98% Dispute Success Rate
4.9★ Client Rating

From Disputed to Approved

Our proven process removes inaccurate negative items and builds the positive history lenders want to see.

1

Free Credit Analysis

We pull all three bureau reports and identify every negative item — late payments, collections, charge-offs, and errors — that's dragging your score down.

2

Custom Dispute Strategy

Our team crafts legally precise dispute letters targeting inaccurate, unverifiable, or outdated items under the Fair Credit Reporting Act.

3

Bureau & Creditor Negotiations

We correspond directly with Equifax, Experian, and TransUnion — and negotiate with original creditors — to get items removed or corrected.

4

Score Monitoring & Growth

Monthly updates track every change. We guide you on credit utilization, payment timing, and new accounts to maximize your score long-term.

Complete Credit Solutions

Whether you need aggressive dispute work or want to build smart credit habits, we have a service designed for your situation.

🛡️

Credit Dispute & Repair

Challenge inaccurate negative items on all three bureaus using FCRA-backed dispute letters drafted by our specialists.

Start disputing →
📈

Score Building Program

A structured 6-month roadmap that adds positive accounts, optimizes utilization, and builds a deep credit history.

Build my score →
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Mortgage & Auto Ready

Targeted programs that get you to the score thresholds needed to qualify for home loans, auto financing, and lower rates.

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Identity & Fraud Recovery

If fraudulent accounts or errors from identity theft are hurting your credit, we handle the entire dispute and recovery process.

Recover now →
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Credit Education Coaching

One-on-one coaching sessions that teach you how credit scoring works, what lenders look for, and how to maintain excellent credit forever.

Start learning →

Let's Talk About Your Credit

Book your free consultation call. A credit specialist will review your situation and walk you through exactly how we can help — no cost, no commitment, no pressure.

Book Your Free Consultation Call

Know Your Credit Rights

Understanding how credit works is the foundation of lasting financial health. Explore our guides.

Basics

How Your Credit Score Is Calculated

Payment history, utilization, age of accounts — learn exactly what the bureaus measure and how much each factor counts.

Read guide →
Your Rights

The FCRA: What You're Legally Entitled To

The Fair Credit Reporting Act gives you powerful rights. Learn how to use them to dispute errors and hold bureaus accountable.

Read guide →
Strategy

Utilization Rate: The Quickest Score Lever

Keeping balances below 30% — ideally below 10% — on revolving accounts can add dozens of points in a single billing cycle.

Read guide →
Collections

How to Handle Collections Without Making It Worse

Not every collection deserves to be paid. Learn which actions improve your score and which can restart the clock on old debts.

Read guide →
Building Credit

Secured Cards, Credit-Builder Loans & Authorized Users

The three fastest ways to add positive accounts to a thin or damaged credit profile — with no risk to your existing score.

Read guide →
Homebuying

What Score You Need — and How to Get There

FHA, conventional, and VA loans all have different minimum scores. Here's the exact path to qualify for the best rates.

Read guide →

Clients Who Fought Back

Thousands of people have improved their credit — and their lives — with FightMyCredit.

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+112 pts

I went from 541 to 653 in 8 months. Two collections removed, a charge-off deleted. I just closed on my first home.

MR
Marcus R.
Fort Lauderdale, FL — Homeowner
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+89 pts

They removed 6 negative items in 4 months. The education coaching showed me habits I should've known years ago. Game-changer.

TW
Tanya W.
Miami, FL — Got auto approved
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+127 pts

Identity theft wrecked my credit. FightMyCredit handled every dispute and got my score back to 700+ in under a year. Unreal service.

DL
David L.
Orlando, FL — Fraud recovery

Your Better Credit Score Starts With One Call

Free consultation. No commitment. No pressure. Just real answers.

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