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Have poor credit and need help digging yourself out of a debt hole? Ready to purchase that dream house or car? We can help

GET YOUR CREDIT ANALYZED NOW – IT’S FREE!

Credit Restoration

Our credit repair experts can analyze your credit situation and recommend the best possible way to help you achieve your credit goals!

 We use a proprietary and systematic approach to get FAST Results for our clients. We do all of the heavy lifting for you and your only task will be to watch your credit scores climb as negative items are removed.

You can start seeing negative removals from your credit report as early as two weeks!!

Our Process

1 Day

We select negative items for deletion in order of priority

1

i

5 Days

We prepare custom hand-written dispute letters

2

1 Week

We mail dispute letters to creditors, Credit-Bureaus and FTC

3

4-8 Weeks

If needed, resubmit disputes until all negative items are deleted

4

Corporate Funding with option of an Aged Corporations

Our Business Credit Builder program will help you obtain business funding if you already have a business that is over 2 Years old, or if you purchase a 2+ year old credit-ready aged corp from our inventory. A Paydex score of 80 to 100 is considered the top level of creditworthiness for a company, therefore, it is important to do everything possible to make certain that your score meets or exceeds an 80 Paydex. We will guide you through the process of achieving an 80 Paydex or higher and once you meet the requirements, your business can easily obtain $25K to $75K per lender in unsecured corporate credit cards within the first few weeks in the program. $150K to $500K in total bank financing is also possible for most of our clients if you meet all requirements.

*Results may vary

Seasoned Tradelines

Our program is designed to get you approved for unsecured personal credit cards and is a FULL SERVICE program in the sense that we complete and manage all credit card applications for you. All you need to do is provide any supporting documentation lenders may ask for, such as utility bill, phone bill, bank statement, etc. in a timely manner so your applications can be approved as quickly as possible. In a matter of 3 weeks, you can receive $25K to $75K in total unsecured personal credit card approvals. The best part is there are NO upfront costs and a 15% success fee is received on the back-end for authorized user tradelines.

*Results may vary

GUARANTEED TO BOOST CREDIT SCORES

GUARANTEED TO POST ON ALL 3 CREDIT BUREAUS

* Full Guarantee applies to 60-day Posting Option

Mission

Provide quality full service credit repair and unsecured funding for customers who just need a fresh start. We will not stop until the job is done.

Vision

To fulfill life dreams through the power of obtaining clean credit and high FICO scores.

Values

We promote honesty, integrity and openness in all that we do.

Testimonials

100 point Increase in 3 Weeks!

My identity was stolen and my credit was beyond horrible. I reached out to this company to help me clean everything off and get my life back on track. They recommended me to use the quick credit scrub option and it’s been nothing short of amazing. I saw negative items removed within one week and I had a 100-point increase within 3 weeks! I’m about to start the funding process and excited to see my end results. I definitely recommend.

– Hughes, Dallas,TX.
$112,000 in Credit Card Approvals and counting.

I started off with a 656 Score and after adding 4 tradelines my scores went up over 770. I then went on the Personal Funding Program and I have 9 Approvals so far totaling $112,000 and I still have 4 more I am waiting for a decision on. I would never have been able to do this were it not for these tradelines and your help with the credit card applications. Thanks so much for the help!

– Tony C. Fort Lauderdale, FL.
799 Score after adding 3 Tradelines

I purchased a 3 tradeline package and my scores went up from a 676 to a 799 on Experian, 786 on Equifax, and 795 on TransUnion. This was the best thing I have ever done for my credit – My scores went up 133 points in 3 Weeks! This is the only really professional company I have ever found in this Industry and I have already started referring my clients to them, and they are the only ones that accept credit cards – Everyone else wants western union or cash deposit and I already lost $3,500 with a company that never delivered anything. I am now going on their funding program. Highly recommended.

– Judy K, Los Angeles, CA.

Frequently Asked Questions

HOW LONG DOES IT TAKE BEFORE I SEE RESULTS ON MY CREDIT REPORT?

It honestly depends on your goals, your situation and how much work is needed on your credit. Refresh Credit and Funding looks at you as an individual and we create a personal game plan according to the results of your initial credit consultation. As soon as you sign up, we immediately analyze your credit report and select and prioritize Negative items that we find.  This happens on the first day. In the next 3 to 5 days, we will prepare the custom, handwritten dispute letters designed to get attention from human reviewers and convince them to remove the negatives. We mail these letters to the Creditors’ dispute departments, the Credit Bureaus, and the FTC. Finally, we manage and finalize disputes, continuing to re-submit until all negative items are removed. Usually, within four to eight weeks, a good portion of the negative items should come off, and whatever has not yet, – we continue disputing until they come off.  Your credit report is cleaned up and your credit score is raised significantly.

WHAT IS A PAYDEX SCORE AND WHY DO I NEED IT FOR BUSINESS FUNDING?

PAYDEX is a business credit score that’s generated by Dun and Bradstreet (D&B). Their model analyzes a business’ payment performance (i.e., if it pays its bills on time) and gives it a numerical score from 1 to 100, with 100 signifying a perfect payment history. A business’ D&B PAYDEX score is used much like an individual’s FICO score. It helps lenders, vendors and suppliers determine whether to approve you for financing and on what terms. Typically, the better the score, the more generous the terms extended. This can save your business money and give you more time to pay for supplies or services, leveling out cash flow.

WHAT ARE AUTHORIZED USER TRADELINES AND HOW CAN IT HELP ME?

Authorized user tradelines are typically revolving lines of credit on which someone places another as an authorized user account holder. The tradeline then appears on the user’s credit report. It is called an “authorized user,” because the person added is merely authorized to use the credit card, but has no obligation of repayment. In addition, the authorized user inherits, so to speak, the previous payment history and characteristics of the account established by the primary cardholder. This is why credit scores can increase when a person is added as an authorized user to an account in good standing.

HOW MUCH DOES YOUR SERVICES COST?

Everyone’s credit situation is different and prices vary upon each client’s needs. Request a free credit consultation now for pricing.

Why Choose Us

  • We use unique, labor-intensive, hand-written disputes that beat OCR scanners.
  • We submit 3-way disputes with creditors, credit bureaus, and FTC.
  • We provide a Quick Credit Scrub option for Identity Theft victims.
  • We know our clients have needs and goals that requires clean credit, so we get the job done as quickly as possible.

Book a Free Credit Consultation

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