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Everything You Need to Know

Clear, Simple, and Ready to help you make smarter choices without the guesswork

What exactly is credit repair?

Credit repair is the process of identifying and addressing inaccurate, outdated, or unfair negative items on your credit report. This can include disputing errors, negotiating with creditors, and guiding you toward better credit habits that improve your score over time.

How long does credit repair take?

It depends on your situation. Some clients see improvements in as little as 30–60 days, while others may need several months of consistent work. Credit repair is not an overnight fix, but steady progress can lead to real, lasting results.

How much does credit repair cost?

Pricing depends on the level of service you need, but we keep it transparent and affordable. Remember: improving your credit can save you thousands in interest and fees over time, making it an investment in your financial future.

Will this service improve my credit score?

All of our clients experience a boost in their scores once errors are removed and credit utilization strategies are applied. Results vary, but improving your credit report that leads to a stronger score and better financial opportunities.

What types of negative items can be challenged?

Late payments, Collections, Charge-offs, Bankruptcies, Foreclosures, Judgments, Tax liens and Inaccurate personal information

What is the difference of Credit Repair vs Credit Restoration

Credit repair focuses on removing errors and negative items from your report, while credit restoration helps rebuild and strengthen your credit profile for the future

Your Path to Better Credit

Comprehensive Credit Services to Repair, Build, and Restore Your Credit

Credit REpair

  • Free Consultation

  • Free Credit Report Review

  • Dispute Negative Items

  • Education & Coaching

No contracts - cancel anytime

Credit Restoration

  • Free Consultation

  • Free Credit Report Review

  • Dispute Negative Items

  • Education & Coaching

  • Add Positive Tradelines

  • Profile Structuring

  • Funding Roadmap

  • Access to Lenders

No contracts - cancel anytime

What others are saying

Hear From Clients Who Took Control of Their Credit

"A Credit Comeback Story"

"I’ve never in 48 years of my life been able to have my credit scores in the 700’s. Plus you helped me purchase two cars and got me over $100,000 in funding! I couldn’t have done it without you. I’m still in disbelief, but we did it!"

Wilfredo F

"My Credit Was Restored and My Future Secured"

"Thanks for restoring my credit! Not only did you help me purchase a home, but I got the update that I now have my Secret Clearance thanks to you Xavier. You saved my career" Ismael D

"Life-Changing Results"

"I’ve invested in a consultation call with Xavier and in less than 72 hours I was approved over $45,000 in funding. I’ve been fixing credit with the tips you’ve provided and you have no idea how much you made an impact in my life. Honestly, grateful forever."

Gaby M

"Xavier Transformed my Business Future"

"Not only did Xavier repair and restore my credit into the 800’s, he got me access to over $125,000 in funding. With Xavier’s help I’ve been able to now grow my auto rental business from two cars to now nine cars in less than a year. You’ve played such a pivotal point in my journey. Thank you X"

Jeremiah B

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