Clean up your past
We work with the credit bureaus and your creditors to challenge the negative report items that affect your credit score.
Track your present
Easy access to your account 24/7 for live status updates on improvements on your credit reports and scores.
Improve your future
We’ll maximize your score so you can achieve your goals and learn how to maintain your awesome credit long after our work is done.
Rebuild, Repair & Improve Your Credit Score!
Credit Tempo is a trusted credit repair company dedicated to helping individuals and businesses overcome credit challenges. With our expertise and personalized approach, we work diligently to enhance credit profiles, remove inaccuracies, and empower our clients to achieve their financial goals. Trust Credit Tempo to guide you on the path to credit restoration and financial success.
Credit Repairing
Credit repair is important because a good credit score is a crucial factor in obtaining loans, mortgages, and credit cards with favorable interest rates and terms. A negative credit history can make it difficult or impossible to get approved for these financial products, and can result in higher interest rates and fees.
Credit Consulting
Our certified FICO Credit Team works to make sure that our client’s credit reports reflect accurate and complete information. Our program is based upon extensive research of consumer laws, credit bureau reporting methods and resolutions for our clients.
Our Latest Services
Credit Restoration
Credit Audit
Education
BusinessCredit Restoration Services
Don't let a few bumps in the road hurt your financial future. Errors and inaccuracies on your credit are costly, and you might not even be aware of them. We find them and help you remove them.
- We cannot promis specific timelineI guarantee results.
- We cannot promis specific timelineI the guarantee
- We cannot promis of specific timelineI options
Free Credit Analysis
We can help calculate a realistic time frame for you to achieve the results you want. 360 Credit Consulting analyzes your credit and guides you through the process.
- We cannot promis specific timelineI guarantee results.
- We cannot promis specific timelineI the guarantee
- We cannot promis of specific timelineI options
Education System Services
Do you know what’s reporting on your credit report? Do you know what can make it better or worse? Do you know how to maintain a good credit score? Take advantage of our free educational resources and start saving money today.
Our Business Services
Accelerate your business’s financial success with our specialized business credit coaching. Let us assess your company’s creditworthiness, develop targeted strategies, and provide actionable guidance to optimize your credit profile.
- We cannot promis specific timelineI guarantee results.
- We cannot promis specific timelineI the guarantee
- We cannot promis of specific timelineI options
How Our Credit Repair and Restoration Works
Review Credit Reports
First, we take a close look at your credit and work with you to determine which questionable negative items are wrongfully hurting your score.
Pay Down Outstanding
Pay on time. Pay bills and any existing lines of credit on time if you possibly can.
Fix or Dispute Errors
Next, we ask the bureaus and your creditors to verify these negative items as accurate and fair. If they can’t, they are required to remove them.
Keep Old Cards
Don’t close any old cards or accounts.
Pay Your Bills On Time
Of course, paying your bills on time will help your credit. Continue paying all of your incoming bills on time even if is just the minimum monthly payment.
Watch the Progress
As you work to manage your credit wisely, we continue to leverage the law for your credit, addressing new credit issues as they appear. This includes monitoring your credit on a daily basis.
How Our Credit Repair and Restoration Works
Review Credit Reports
First, we take a close look at your credit and work with you to determine which questionable negative items are wrongfully hurting your score.
Fix or Dispute Errors
Next, we ask the bureaus and your creditors to verify these negative items as accurate and fair. If they can’t, they are required to remove them.
Pay Your Bills On Time
Of course, paying your bills on time will help your credit. Continue paying all of your incoming bills on time even if is just the minimum monthly payment.
Pay Down Outstanding
Pay on time. Pay bills and any existing lines of credit on time if you possibly can.
Keep Old Cards
Don’t close any old cards or accounts.
Watch the Progress
As you work to manage your credit wisely, we continue to leverage the law for your credit, addressing new credit issues as they appear. This includes monitoring your credit on a daily basis.
Discover Our Credit Repair and Restoration Works
Here are several benefits of good credit.
Easier to Get a Loan.
Scores above 740 typically qualify for the lowest mortgage rates available. Higher credit scores also can get lower interest rates on car loans. Lenders also look at things like debt-to-income ratios, but in general, a good score and adequate disposable income position you well. You can shoot for the highest credit score if you'd like, but it's unlikely to get you anything more than a score that is merely excellent.
Lower Interest Rates on Credit Cards or Loans.
A strong credit history will help you qualify for the best credit cards, which include low interest rates, rewards and cash back. As well as helping you save money, these perks will encourage you to keep using your credit card — which can help your credit if you continue to pay on time and keep balances low compared to your credit limits. A low- or no-interest credit card can also serve as a temporary emergency fund if the need arises, or it can allow you to take advantage of a business opportunity.
Easier to Rent an Apartment.
Much like a potential lender, a landlord will want to check your payment track record by taking a look at your credit. This gives insight into how likely you are to pay your rent on time every month. If your record has too many negative marks, getting that dream apartment may be difficult. Even if you’re able to rent with bad credit, your landlord may charge a higher security deposit or request a co-signer on the lease.
Improved Chance of Getting a Job.
In some states, employers can request your credit report as part of your job application. You will know if they do; your consent is required. Because the effects of good credit can be felt in so many parts of your life, it’s important to do what you can to help your credit. Paying your bills on time is a big part of the recipe, as is keeping credit card balances to less than 30% of your credit limits, and lower is better.
Low or No Security Deposits.
Before taking you on as a customer, a utility company might look at your credit report to get a sense of your payment history. If your credit history isn’t up to snuff, the utility company may require a deposit or ask for a letter of guarantee, in which a friend or family member agrees to pay your bill if you don't.
Choose Your Best Plane To Get Our Services
Starter Plan
- Based on total debt amount $6999
- Credit card & Collections Debt
- Late Payments
- Charge-Offs (All Types)
- Medical bills
- Hard Inquiries
- Add Spouse $399
- Cancel Anytime after 6 month Contract
Basic Plan
- Based on total debt of $7k - $14,999
- Credit card & Collections Debt
- Late Payment
- Charge-Offs (All Types)
- Medical bills
- Auto Repossessions
- Child Support Petitioned
- Hard Inquiries
- Tax Liens
- Credit Fraud
- Cancel Anytime after 9 month Contract
Premium Plan
- Based on debt total $15k - $40k Custom Pricing
- Credit card & Collections Debt
- Late Payment & Charge-Offs (All Types)
- Medical bills
- Chapter 7 or 13 Bankruptcy
- Auto Repossessions
- Child Support Petitioned
- Hard Inquiries
- Tax Liens
- Credit Fraud
- Cancel Anytime after 12 month Contract
Asked Any Questions
Our credit education and document processing services can assist you in utilizing the law to your advantage. The process is completely legal and revolves around a legislation known as “The Fair Credit Reporting Act” (FCRA).
Once items are removed, they typically do not resurface, provided they are current, paid, or the collection is older than three years, with only rare exceptions.
Contrary to the assertions of credit bureaus, credit training has proven effective in the majority of cases. However, its success hinges on receiving optimal guidance from a seasoned professional.
Expert guidance, comprehensive document preparation. Deep understanding of credit scoring, creditors, and bureaus. Remove negative items with confidence, backed by our flawless guarantee.
100% refund guaranteed if:
– Removal of negatives is below 25% of total worked on.
– Six months since service retention.
– At least four negatives on sign-up.
– No credit repair agency use in the past two years.
95% of clients witness a 10+ point credit score boost within 33 days. On average, a remarkable 80-point increase is achieved over the 180-day contract.
Credit score battle has two sides. Occasionally, creditors and bureaus are faultless with no case against them. On average, clients successfully remove 85% of negative items from their credit reports.
Free Consultation
Our Client Reviews
Credit Tempo is very fast I seen changes within 2 week from when I started I would recommend creditrepair.com to anyone who’s looking to rebuild their credit score.
When i first signed up. I was not sure if i was going to see improvement in my credit. It does take time and patiences.Im so busy , i figure i leaving it to the professional. Im so happy i did. They work hard to remove the negative on my report. I would recommend anyone who needs to improve their credit score to use Credit Tempo.
There Great I can’t even why do they do such a great job and they did it as quick as possible and got the job done so if you’re interested in wanting to find home can help remove negative supports off your credit report Credit Tempo will be the one.
The time and effort put into repairing my credit and keeping me in the loop every step of way. This is the best $100 I’ve spent thus far! Thank you, Credit Tempo is the best.
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