How it works

Check, Challenge, Change

CheckWhen you sign up, we instantly pull your credit reports. We organize it in a way that helps you identify items you want to challenge or change. This then helps us know exactly where to focus our efforts — and how to build a game plan to fit your personal goals and needs

ChallengeThis is where it is so critical to have the experts on your side. We interact directly with the credit companies and help them to meet their obligations as applicable to your particular situation and plan. Then, we communicate with the credit bureaus to confirm that the appropriate changes have actually occurred. We know the industry – and we know how to use the rules to protect you.

ChangeWithin a few weeks you will see changes in both your credit report and score!

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Take the step towards creditworthiness!

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Repair Your Past

We work with the credit bureaus and your creditors to challenge the negative report items that affect your credit score. We'll ensure your credit history is up-to-date, accurate, and reflects you honestly.

Build Your Future

Our customized tools, educational approach, and proven technology guide you through the tasks and action items you need to take in order to maintain a healthy score and accomplish your credit goals.

Collections Removal

A person trapped in financial crisis often faces problems paying credit card bills and sometimes credit reports mistakenly mentions that he is having a collection. Either way, the person’s credit score gets affected. We can help!

Charge-off Removal

If the debt happens to be owed to a retailer or credit card for more than six months, the creditor will most like perform what is called a charge-off to the amount owed. In other words, when any reporting firm deems the debt as uncollectable, it is written off from the sheet, they call this a charge-off.

Late Payment Removal

Due to certain circumstances in life you might have failed to pay your credit card on time. This is not a big deal, this happens to all of us at various steps of our lives. What is a big deal is the reduction of your FICO score after a late payment? According to the FICO credit score calculator, the payment history amounts for 35% of your over all FICO score.

Removal of Foreclosure

A housing foreclosure can cause significant damage to your credit score, dropping it by 150 or more points, depending on how many house payments you missed before your lender made your foreclosure official. Credit scores today are extremely important: lenders rely on them to determine who gets money and at what interest rates.

Testimonials

" My score was just 500 and within 6 months it’s now 630!"

Frank G. - Selma, CA

" I wasn’t able to get an auto loan within 4 months I was to get a 1.99% interest rate, Thanks!"

Rhonda E. - Fresno, CA

"Best idea ever! We were able to get a new car and buy our first home together."

Dan & John, - Clovis, CA

FAQ

Get answers to your questions!

Q

How long before I see results?

It’s a pretty normal question to ask: how long is this going to take? The honest answer is that it depends — on your goals, your situation and how much work you need done. That’s actually one of the best parts of FixYourCreditFresno.com — we look at you as an individual and build your own personal game plan accordingly. Your game plan focuses on the areas that will make the most impact– and helps the FixYourCreditFresno.com experts get to work quickly to make sure your creditors are being responsible regarding the information they’re reporting about you.


Q

What if all my negative items are accurate?

As you’re looking over your credit situation, a question pops up: what if most or even all of my negative items are accurate? Will credit repair still work for me? Well, there are more opportunities for change and growth than you might think. Here’s why. Creditors sell very critical information about you every day. It’s information that can affect almost everything in your life, from your car payment to your house to your job. So, it’s important to make sure that that information is as substantiated, timely, accurate and fair to you as absolutely possible. A lot goes into these definitions. This is where the FixYourCreditFresno.com experts come in. It’s their job to help you assess the items on your credit report and then intervene with your creditors to help uphold these standards regarding the information they report about you to the bureaus. So, see what the process can do for you. It might surprise you how much is possible.


Q

Is credit repair worth it? Why?

To know whether credit repair is worth it, you just have to look at what your credit impacts. These days, it seems like it’s just about everything. When you start realizing how far it goes, it’s easy to do a little math. Not having ideal credit can cost you thousands and thousands of dollars over the course of a home or car loan. It can keep you from getting insurance coverage or even a job. It can make even everyday needs and decisions more difficult.When you compare this to the confidence and assurance of feeling in control of your credit situation and the opportunities that brings, the value of credit repair can seem pretty priceless. Luckily, having the experts at FixYourCreditFresno.com working to help you tackle your credit issues costs only $89.95 a month. It’s a pretty great value that may impact a lot of the things you value most.


Q

What are the costs associated with your service?

As valuable as the possibility of better credit is, the cost to start taking control of it is simple: it’s $89.95 per month. Separate from the service, there is a one-time charge of $39.99 to pull your credit report for you (or you can provide your current copies) and a setup fee of $399.99. There will never be any additional costs or fees – it’s that straightforward.


Q

Can we communicate through Email?

We are here for you throughout your credit-repair experience. You can always email us with any questions you have. We’ll get back to you promptly so that you can always keep moving forward.

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