Credit restoration
Fix my credit fast.
Better credit. Approvals. Real results. We challenge every inaccurate, unverifiable and outdated item on your report under the Fair Credit Reporting Act, rebuild what is missing, and hand you back a file lenders can approve.
Free consultation · No credit impact · Secure document upload · Mon–Fri 9am–8pm CST · Sat 10am–2pm CST
What better credit buys you
Credit is not a grade. It is the price you pay for capital.
Stronger scores
Remove what should not be reporting and rebuild what should. Better credit opens doors.
Approvals
Qualify for business lines, term loans, SBA files, auto and mortgage credit.
Lower rates
Every tier you climb cuts the cost of the same capital, often by thousands.
Higher limits
Clean files carry bigger limits, which lowers utilization and lifts the score again.
Brighter future
Credit is leverage. Restoring it is the first step toward lasting financial freedom.
Three steps
Enrollment takes about ten minutes.
Enroll now
Complete the credit restoration application and upload your documents securely.
Start my applicationExpedite your file
Register free monitoring with all three bureaus, then submit the VIP expedite form.
Expedite my fileReview your plan
We walk your report line by line and set the dispute and rebuild schedule with you.
Talk to an advisor (opens in a new tab)What we challenge
If it is inaccurate, unverifiable or outdated, it can come off.
Nothing accurate and verifiable is removed. Everything else gets challenged, in writing, with the response sent back to you.
Late payments
30, 60, 90 and 120-day late marks reported in error.
Collections
Paid or unpaid collection accounts that cannot be validated.
Charge-offs
Old charged-off credit cards, loans and retail accounts.
Repossessions
Auto repossessions and the collection balances tied to them.
Inquiries
Unauthorized or excessive hard inquiries dragging the file down.
Medical bills
Medical collections and reporting errors under current rules.
Student loan issues
Late marks, defaults and inaccurate servicer reporting.
Judgments & public records
Incorrect public record items, where applicable.
Your documents stay in an encrypted vault.
ID, proof of address and account details upload directly into private storage that only our advisory team can open. Credentials are used solely to perform the authorized credit restoration service and are never included in notification emails.
Questions
Straight answers before you enroll.
How long does the credit restoration process take?
Our Express Repair Service provides positive results typically within 15 days, with most clients receiving a clean and boosted credit profile inside of 30 days.
Can you guarantee an exact score increase?
No, and neither can anyone else legally. What we guarantee is the process: every inaccurate, unverifiable or outdated item gets challenged under the Fair Credit Reporting Act, and you see every response. Owners who follow the plan typically move 40 to 100 points over the program.
Is it legal to repair my credit?
Yes. The Fair Credit Reporting Act gives you the right to dispute anything inaccurate, incomplete or unverifiable on your report. We use that right on your behalf. Nothing accurate and verifiable is removed.
What is the difference between personal and business credit?
Personal credit follows your Social Security number and drives most small-business approvals in the first two years. Business credit follows your EIN and D-U-N-S number and is built through vendor and trade accounts that report. We work on both, in that order.
What documents do I need to upload?
A government-issued photo ID, proof of address from the last 60 days such as a utility bill or lease, and your Social Security card if you have it. Credit report copies help but are not required — the bureau monitoring signup gives us what we need.
Are my documents secure?
Yes. Uploads go straight into an encrypted private vault that only our advisory team can open. Files are never public, never emailed as attachments, and never shared with third parties for marketing.
Talk to a credit advisor first.
No cost, no credit impact. We read your report with you, tell you what is removable and what is not, and show you what funding opens up once it is clean.
Mon–Fri 9am–8pm CST · Sat 10am–2pm CST · advisors@leveragefundingnow.com