Offering Pay After Deletion® & Pay Per Deletion since 2010
With the recent bankruptcy filing of the industry’s biggest companies, monthly payment companies are starting to realize that their payment model is illegal. We’ve been offering Pay After Deletion® since 2010.
Pay After Deletion® Credit Repair Services, the Creator of the Pay Per Deletion Pricing model
Our Pay Per Deletion Credit Repair Program.
NEWS/UPDATE
In early 2023 two of the biggest credit repair companies in the industry filed for bankruptcy protection. They were sued by the government (CFPB) and lost. This was due in part to how they charged clients. Like many companies, they charge their clients monthly.
Our service is quite different.
To be compliant in 2010 we switched to our Pay After Deletion® model. Instead of charging you credit repair fees every month. We use our 15 years of credit repair experience to fully analyze your reports to find every error in your credit reports.
The Fair Credit Reporting Act (FCRA) states that for an item to be reported to the credit bureau it must be true, accurate, and verifiable. Generally speaking, the majority of items we see are true (they do belong to you) and generally verifiable (if push comes to shove most accounts can be verified). However, almost no account meets the accuracy requirement. Federal law requires items in your report to achieve Maximum Possible Accuracy. Although not specifically defined, credit bureau reports are just allowed a few errors in their reports.
Our Factual credit repair process seeks out each and every error on your credit reports. When properly analyzed, there is an average of 20 pieces of data on each account that is disputable and causes for possible deletion.
Our service provides you with full control of your dispute process while benefiting from over 15 years of my experience. We will create custom and proven letters that are then sent to you with specific mailing instructions.
Traditional Credit Repair
- First Work Fee – Charges Setup Fee With No Deliverable (No Work Product)
- Ongoing Monthly Fees – Charge Monthly Fees without the condition of deletion/repair, this model was found to be illegal and caused large credit repair firms into bankruptcy
- Dispute – Traditional companies restrict clients to 3-4 disputes monthly in effort to slow the process and earn more monthly fees
- Minimal Analysis – Even though there are usually dozens of disputable errors on each account traditional companies only dispute one at a time.
- Use of “Not Mine” and Unsubstantiated Strategies. – Instead of disputing based on factual items, traditional companies use “Not Mine” dispute reasons or unsubstantiated legal aerobics in an effort to confuse the credit bureaus and data furnishers.
- No Transparency – Clients never know if dispute letters were sent or what was disputed. They run the risk of fraud flags if the traditional companies tries something illegal
- No Certified Mail – Traditional companies know about the 60% drop in response issues when not sending letters via certified mail. Irregardless of this fact they still choose not to send letters via certified mail nor will they send the letters to their customer and give them the option of doing it.
- They only Dispute 2 Years of Data – Having fewer data means fewer factual disputable items in the report. Companies could be afraid of incurring extra expenses and/or sharing their letters with their clients.
- Not Using “Real” Credit Reports – Traditional credit repair companies either don’t know the benefit of ordering your “real” report or don’t care.
- No Authorization Form – If there is something in a dispute letter that makes the credit bureaus believe you didn’t create the letters on your own they will reject your letters under the guise of protecting your identity. Traditional companies don’t mind rejections as it slows down the process.
Done With You Credit Repair™
- First Work Fee – Standard one time fee, we will complete a full detailed analysis of your 3 credit reports to determine possible disputes actions and create for you a set of custom dispute letters with instructions on how you should mail them
- Audit Review Fees – At the end of each round (approximately 35 days after the bureaus/data furnishers receive your letters) we will charge a file review fee that is based on actual deletions/repairs obtained as a result of the letters you sent. If nothing deleted we won’t charge you. We will then, at the client’s request, create a new set of custom dispute letters based on the updated credit reports with instructions on how you should mail them
- Disputes – We will analyze and recommend disputing every account that has bonafide errors, we do not restrict the number of disputes
- Full and Thorough Analysis – For each item we analyze we seek out every possible error instead of just one error per dispute item.
- No Lying or Misleading – Our analysis and dispute letters are based on a factual disputing process meaning that we will only dispute real errors as they are shown on your credit reports. We do not create letters that are filled with lies as these types of letters are illegal
- Full Transparency – As we are delivering your exact letters you won’t ever have to worry about not knowing what and how something was disputed, you will know for a fact that your dispute letters were sent and when. Most companies hide behind the excuse that their letters are considered private
- Certified Mail – Although we are creating these letters for your own use, we highly recommend that ALL letters be sent to credit bureaus and data furnishers via certified mail w/return receipt. This helps ensure your dispute letter is actually worked on by the credit bureaus and data furnishers. In 2022 it is suggested that over 60% of letters sent to credit bureaus were thrown away.
- We Dispute 7 Years of Data – Our highly recommended credit reports afford us the ability to fully analyze seven years of credit data instead of the standard 2 years conducted by most credit repair companies.
- We Request and Review your “Real” credit report – We will provide you with the information needed to obtain your “real” credit report. Often having real reports will increase deletion rates because the credit bureaus know they can only be sued if a person had access to their real reports. The larger the chance of a lawsuit, the more deletions you can achieve.
- Authorization Form – As you will be using and mailing our custom letters, we will include a legal authorization form that helps ensure the credit bureaus don’t kick your letters back. Most companies don’t do this because they try to hide the fact that they are in the credit repair business.
CLEAR AND UPFRONT PRICING
Standard Items Audit & Analysis
Most Negatives- The Data Audit and Analysis Review Fee is charged based on actual deletions/repairs on a per-item per-bureau basis. If nothing is deleted then no fees will be charged. This review happens about 35 days after the credit bureaus and/or data furnishers receive your letters.
- Collections | Charge-offs | Repos | Medical Bills | Late Pays | Foreclosures | Inquiries | Any Negative Items Not In the Public Records Section of Credit Reports of the 3 major credit bureaus.
- *Bankruptcy $250 Per Item Per Bureau
Analysis & Letter Creation
**Fee- SPECIAL – **$249 Expires This Friday – Coupon Code: Week
- This first analysis and letter creation fee covers a full and detailed analysis of your three major credit bureau reports in an effort to find disputable errors. We will then use these errors to create dispute letters on your behalf.
- **Additional instances of this fee will be waived (no need to pay this for each cycle) if the client is active (the file is considered suspended if no audit and analysis are performed for a period of 6 months.)
- *This fee is due AFTER we obtain your information, review your file, determine our dispute strategy, and enter information into our back office.
- *This is completed within 24 hours at which time payment is processed
Technical Data Audit & Analysis
Names & Addresses- The Data Audit and Analysis Review Fee is charged based on actual deletions/repairs on a per-item per-bureau basis. If nothing is deleted then no fees will be charged. This review happens about 35 days after the credit bureaus and/or data furnishers receive your letters.
- Technical and Biographical Data deletion is the removal of any old or inaccurate name variations (ie. misspellings, missing info, etc) as well as old or incorrect addresses.
*There are minimal 3rd party expenses you will have to pay throughout the process, please ask your representative for details.
Additional Information About Our Program
Pay Per Deletion | Pay For Deletion | Pay After Deletion®
Pay Per Deletion | Pay For Delete | Pay After Delete
Many copycat companies have tried to match our Pay After Deletion® business model and call it pay per delete or even pay for deletion. You will find that these firms soon quit using this business model because they realize they can’t get enough items removed to maintain a profit. Other times they offer this option in hopes of being able to bait and switch you to a monthly program.
Some shady companies will enroll you and then quit after a couple of months when they can’t get anything off your report. Others will offer what appears to be extremely low deletion fees and even some “free” deletions, which at first looks attractive. Still, it comes with a setup fee close to a thousand dollars, and we have been told that the free/low-cost deletions are free because the company doesn’t know how actually to delete them. This means they have nothing to lose by offering them for free.
These tricks, coupled with hefty setup fees, may be a sign that the company can’t remove enough items to earn a profit, so instead must try to get more money upfront and hope they can get a few of the easier items off your report.
The problem with higher upfront fees is that it is rare to see a refund or the refund period is too short to give you time to evaluate the quality of the service you are getting.
We are pretty biased, but we recommend that you choose the company that started and trademarked the entire Pay After Deletion® concept and revolution and has been doing it since 2010
Very few companies are willing even to attempt to work on a pay-per-deletion basis. We can do so because we know what we are doing and can get deletions and earn a good income as a result.
Cheap Credit Repair
Low-Cost Credit Restoration Company – The Cheapest When Comparing Apples to Apples
When you compare our overall pay after deletion® fees to one year of a competitor’s monthly fees, you will see that we come out as the cheapest option. It’s even cheaper when you realize that the “monthly “companies slow the process down intentionally by restricting you to only dispute three items per cycle even though there is no real reason to do so.
Below is a comparison of Pay After Deletion® Fees vs. Monthly Fees. An additional benefit of Pay After Deletion® is that you can determine your overall total costs by counting the negative items you have. On monthly programs, you won’t know what you will end up paying.
NOTE: It is illegal and against Federal law for any credit repair company to tell or even hint to a client when items will be removed from a credit report. It is illegal because it is impossible to know, and the company you are working with is not the company that is responsible for items being added or removed from your report. This means when a company says six months or one year to be done, they are lying and breaking federal law.
To see how our prices compare with others, please take a look at our pricing calculator here
* Most monthly credit repair agencies and companies will RESTRICT YOU and only allow three items to be disputed in any cycle. This only slows down the process
** If somehow the monthly companies got 100% deleted every month, it would take seven full cycles minimum even to try each dispute one time (average account takes 3-4 disputes to get removed)
*** As you get fewer and fewer items remaining, credit items become harder and harder to remove. It is not unusual to see 95% of items deleted in 1 year and have it take another 6-12 months to get the last item removed.
When you see the numbers, you find out why we claim to have the lowest costs to repair your credit and why monthly companies hate this business model. Tell them you will no longer fall for the “Pay and Pray and Hope it Goes Away” business model.
Best Credit Repair Company - The Other Companies Worse Nightmare
Best Legitimate Credit Repair Agency – A Firm You Can Trust
Anyone can say that they are the one of the best credit repair companies in the US, However once you review & understand our Pay After Deletion® program you will see that in order to stay in business and make a profit we MUST be good at what we do.
We do not call ourselves a credit repair firm and then charge you monthly to write a set of letters that may or may not work (That is a “letter writing firm”and in our opinion should not be called a credit repair company). These companies then expect you to pay them $100 – $200 for the mere act of writing letters EVEN IF nothing ultimately is deleted.
They do not give you your money back if their “magic” letters do not succeed. They place the burden and risk solely on their customers.
We on the otherhand ONLY succeed as a business when and if our clients get items deleted. Between the fact that we charge only when deletions are made and offer the 200% guarantee of the setup fee we feel that we are working with you side by side against the creditors and the credit bureaus.
We want and frankly need you to have success in order to stay in business, our competitors just have to write letters and convince you to stay on for “just one more month”
Credit Repair is Near and Dear To Me - Great Service, Programs and Reviews
Our Service is Second To None
The fact that we offer our service on a pay after deletion basis for many people is enough, however we know we must offer more.
- We return 100% of our calls, many people in this field don’t like answering the phone and do a poor job at returning calls. the reason for this is because they get so many calls from people who are upset or worried that work is not being done on their file. This is a natural occurance when working in a monthly environment. Clients have concerns when nothing seems to be happening and they are paying every month. We can return our calls because nobody calls to complain about being billed when nothing is happening as we only bill when we get deletions
- We explain our program to you with 100% honesty without misleading or exagerating. We feel that it is important
We have put together a great credit repair program for the masses
We have reviews and proof our repair service actually works
Anyone can say that they are the one of the best credit repair companies in the US, However once you review & understand our Pay After Deletion® program you will see that in order to stay in business and make a profit we MUST be good at what we do.
We do not call ourselves a credit repair firm and then charge you monthly to write a set of letters that may or may not work (That is a “letter writing firm”and in our opinion should not be called a credit repair company). These companies then expect you to pay them $100 – $200 for the mere act of writing letters EVEN IF nothing ultimately is deleted.
They do not give you your money back if their “magic” letters do not succeed. They place the burden and risk solely on their customers.
We on the otherhand ONLY succeed as a business when and if our clients get items deleted. Between the fact that we charge only when deletions are made and offer the 200% guarantee of the setup fee we feel that we are working with you side by side against the creditors and the credit bureaus.
We want and frankly need you to have success in order to stay in business, our competitors just have to write letters and convince you to stay on for “just one more month”
18+
Years Of Experience
5,146+
Satisfied Clients
56,606
Deletions
A SAMPLING OF SOME OF OUR TESTIMONIALS
– David
I ran into problems with my business and had to default on a lot of my bills, Pay After Deletion® help fix my credit pretty quick and get me back on track
– Roberto
As a single mom with 2 kids I learned real fast how difficult it is not having good credit, Danny and his team assured me all would be fine.
It’s been a year and I now have only 1 negative item on my report. I was able to get a new car and a new apartment
– Liza
Garcia did wonders on my credit, I only had a couple of things on there but when they got removed my score went up to over 700.
– Harry