CLEAN UP YOUR REPORT AND INCREASE YOUR SCORE!
We promise we will do the work we agreed to. We will educate you, be honest with you, and maintain an ethical relationship while we help you better your finances.
$119/PER PERSON PER MONTH
PLUS CREDIT MONITORING AT A SEPARATE REQUIRED FEE
Britt Assist
Shannon and her team have been nothing less than wonderful. They've Been understanding and VERY patient with me! I love all of the credit tips and progression checks. They make credit simple!! I would recommend their services for anyone and everyone ready to get to homeownership!
M. Copes
I loved Payton credit services because from the very beginning, she told me she would do her best to help me improve my credit score and I’m more than excited with my score.
Jasmine
So thankful I was able to get my dream car. I Searched for a while and finally found what I wanted. PCS is the best!
WE MAKE CREDIT EASY
The Tiny House Plan
Do it yourself
$0/mo
Free letter preparation
The Cape Cod Plan
Done for you
$119/mo
Process monthly Credit Bureau dispute letters to Transunion, Equifax, and Experian.
Analyze and update monthly dispute letter responses
Monthly credit score updates every 35-45 days
Monthly Personalized Credit Builder Action plan
Credit Education via text, video, and email
Monthly Credit Check-Ins with Credit Specialist
Chat Support Monday thru Friday from 9am-6pm set
Customer Service and access to our Credit Specialists
Access to educational classes suchas homeownership and credit score improvement classes
How Credit Repair Works
You can’t drive how you want, you have to follow the traffic laws. Just like traffic laws the banks, credit bureaus, and creditors have credit laws they need to follow. A lot of times banks, credit bureaus, and collection agencies don’t follow these laws when reporting derogatory accounts.
Audit
The first step is to identify the problems and issues holding back your credit with a comprehensive credit analysis. We will provide a monthly action plan of recommended credit steps.
Challenge
Using consumer protection laws we file factual disputes to challenge the errors on the derogatory items holding back your credit.
Repeat
If items come back “verified” we escalate the dispute process and even include the creditors in the dispute process.
Don't Like Your Credit?
Get the help you need a start today with our self service check out!
See Results In As Little As 30 Days
Remove Derogatory Items Holding Back Your Scores
By using consumer protection laws, we challenge and remove errors holding back your credit.
We Do Everything We Can To Get You Fast Results
With our risk-free pricing, you have professionals driven to get the best results as quickly as possible
Professional Credit Audit and Analysis Report
Get a full analysis of your entire credit report as well as personalized action plan to address the issues
Personalized Strategy To Improve Your Credit
Your credit is unique to you, we start by creating a personalized plan to help you improve your credit
Get Unlimited Personalized Credit Bureau Disputes
We create personalized disputes to address every error on your credit report
You Get The Absolute Best Customer Care Around
We strive to keep you up to date with your case with email notification, online portal, and phone support
WE MAKE CREDIT EASY
The Tiny House Plan
Do it yourself
$0/mo
Free letter preparation
The Cape Cod Plan
Done for you
$119/mo
Process monthly Credit Bureau dispute letters to Transunion, Equifax, and Experian.
Analyze and update monthly dispute letter responses
Monthly credit score updates every 35-45 days
Monthly Personalized Credit Builder Action plan
Credit Education via text, video, and email
Monthly Credit Check-Ins with Credit Specialist
Chat Support Monday thru Friday from 9am-6pm set
Customer Service and access to our Credit Specialists
Access to educational classes suchas homeownership and credit score improvement classes
STILL NOT SURE?
Frequently Asked Questions
We understand credit.
How much is it?
Click here to view our prices.
How do I know what is being done to my credit?
We will communicate with you weekly via phone, email or text! Once you have completed a round you will get an update as well as personalized monthly credit action plans. Anytime we send out a letter on you behalf you receive an alert.
How long does credit repair take to work?
Your credit didn't become bad over night so it will likely not become better over night. We suggest that you prepare to be in the program for 3-6 months and sou can cancel your agreement with with us as anytime.
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