The first, and most important, thing you need to know about the 3 credit bureaus

The credit bureaus are not goverment agencies. They are privately owned companies that make billions of dollars from selling YOUR credit report. And how they report that data is where the problem is. Read more

How your credit score is calculated

No one knows for absolute certain the exact formula that is used to calculate a score, but we have a good idea of the approximate percentages for credit events and how they are affect the final number. Read more

Is the method that you are saying on this site legal?

You will never find anything on this site that tells you to do anything that could potentially cause legal problems for you. I have personally done everything that I tell you do to, and would never jeopardize my, or my family's, well-being. Read more

How do I know if this works?

I hate testimonials...I really do. You never know if what you are reading is truthful, or just another ploy to get you to believe them. So my personal guarantee to you is that I will never edit any testimonial that a user puts on this site. So, with that said, to view what people are saying click the "read more" link below to view their statements.  Read more


Unfortunately I have to charge something for all fo the time and effort I put into creating this package, building the website, and providing this information.

For far less than any other website or company out there, I simply charge a one-time fee of $20. Yes...that's right...$20 and you're on your way to credit freedom.

There are no hidden charges and no monthly fees unless you choose one of the 3 methods that require such. The only additional expense is the cost of sending certified letters and your time in preparing the letters.

For convenience I chose to accept Paypal payments for both credit cards and existing accounts. You don't have to have a Paypal account, but if you do you can use that as well. To pay by credit card simply click the "Don't have a Paypal account" link on the Paypal payment page.