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First consultation 100% free — see your roadmap to 750+

  • Full 3-bureau credit report review
  • Personalized repair strategy plan
  • Estimated timeline to your goal score
  • No hidden fees, no pressure
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Clients typically see measurable results within 30–60 days. Individual results vary.See Results
Credit Repair
Business Loan
Personal Loan
Auto Loan
Auto Insurance Binder
Credit Cards
Rent Reporting
Legal Services
Trusted Credit Repair Experts

Rebuild Your Credit.
Reclaim Your Future.

We specialize in credit monitoring, collections removal, auto repossession removal, hard inquiry removal, and personalized credit improvement strategies.

Free Credit Analysis
50,000+Clients Helped
94%Dispute Success Rate
8+Years of Experience
30–60Days to First Results*

*Individual results vary based on credit profile. Score improvements are not guaranteed.

Business Financing

Business Loans

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Grow your business with fast, flexible funding. No collateral required for loans under $150K. Approvals in as little as 24 hours.

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Personal Loans

Up to $50,000

Whether it's debt consolidation, medical bills, or a major purchase — get the funds you need fast with fixed monthly payments and no hidden fees.

Same-day funding available
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No prepayment penalties
Fixed monthly payments
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Auto Loans

New & Used Vehicles

Drive home in your dream car today. Competitive rates for new and used vehicles, refinancing options, and fast approvals — no documents needed to get started.

Fast pre-approval process
New & used vehicles
Competitive APR rates
No hidden fees
Apply for Auto Loan
Auto Insurance — Available 24/7

Auto Insurance

30-Day Binder — Same Day

Drive off the dealership lot today with a valid 30-Day Insurance Binder. Get covered online in minutes — accepted by all DMVs, dealers, and lienholders nationwide.

Ready in under 5 minutes
DMV accepted proof
Available 24/7 online
All makes & models
Apply Now — Compare Cards
Cards for all credit scores
Cash back & rewards options
Quick online application
Build credit from day one
New Service — Rent Reporting

Rent Reporting

Turn Rent Into Credit Score Points

You pay rent every month — but it doesn’t count toward your credit score. Rent Reporters changes that by reporting your payments to Equifax & TransUnion. Avg. +40 pts in 10 days.

Avg. +40 pts in 10 days
24 months retroactive history
No hard inquiry — zero risk
Starting at $9.95/month
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LLC & DBA

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Start your business the right way. We handle LLC formation and DBA registration — 100% in Spanish, fast processing, and everything filed correctly from day one.

LLC from $149
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Trusted & Verified
ExperianEquifaxTransUnion

BBB Accredited

A+ Rating

Trustpilot

4.9 / 5 Stars

FCRA Compliant

Fully Protected

30-Day Guarantee

Full Refund

256-bit SSL

Bank-Level Security

No upfront disputesReal advisors, no botsResults in as little as 30 days50,000+ clients served
What We Offer

Comprehensive Credit Repair Services

Everything you need to transform your credit profile and unlock financial opportunities.

Credit Monitoring & Tools

Real-time credit score tracking with personalized improvement tools and alerts for any changes to your report.

Collections Removal

Professional dispute and negotiation process to remove damaging collection accounts from your credit report.

Auto Repossession Assistance

Expert guidance to address auto repossessions and minimize their long-term impact on your credit score.

Hard Inquiry Removal

Identify and dispute unauthorized or inaccurate hard inquiries that are dragging down your credit score.

Visual Progress Dashboard

Track every dispute and credit improvement in real-time through our intuitive, easy-to-read dashboard.

Personalized Consultation

One-on-one sessions with certified credit experts to build a customized strategy for your financial goals.

Credit Education Center

What is Credit — And How to Improve Your Score

Understanding credit is the foundation of every smart financial decision. This guide covers everything you need to know — from how credit scores work to proven credit tips for long-term financial health.

What is Credit & Why It Matters

Your credit score is one of the most important numbers in your financial life. It influences your ability to get approved for loans, credit cards, mortgages, and even rental applications. Understanding credit and how it works is the first step toward financial stability and long-term success.

Many people don't realize that credit mistakes or outdated information can have a lasting impact. Learning how to improve your credit score responsibly is essential to secure better interest rates, qualify for loans, and achieve financial goals.

Did you know? A difference of just 100 points in your credit score can mean paying thousands of dollars more in interest over the life of a mortgage or auto loan.

Whether you're starting from scratch, rebuilding after setbacks, or simply looking to optimize your profile, understanding the fundamentals of credit is the foundation of every smart financial decision.

Get a Free Credit Analysis

Our specialists will review your 3-bureau report and identify disputable items — at no cost and no obligation.

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Read Our Full Credit Guide

25+ free articles covering FCRA rights, collections, hard inquiries, credit building, and more.

Browse All Articles
Fix Your Credit. Increase Your Score. Get Approved Faster.We help remove negative items, build positive credit, and guide you step-by-step to reach a 700+ score.✔ Trusted Credit Specialists✔ Dispute Inaccurate Negative Items✔ Results in 30–45 Days (varies)🚗 Auto Insurance Binder Available 24/7 — Drive Off the Lot the Same Day!✔ 30-Day Binder for Car Dealers & Buyers — Instant Coverage at carsbinder.com
Fix Your Credit. Increase Your Score. Get Approved Faster.We help remove negative items, build positive credit, and guide you step-by-step to reach a 700+ score.✔ Trusted Credit Specialists✔ Dispute Inaccurate Negative Items✔ Results in 30–45 Days (varies)🚗 Auto Insurance Binder Available 24/7 — Drive Off the Lot the Same Day!✔ 30-Day Binder for Car Dealers & Buyers — Instant Coverage at carsbinder.com
Fix Your Credit. Increase Your Score. Get Approved Faster.We help remove negative items, build positive credit, and guide you step-by-step to reach a 700+ score.✔ Trusted Credit Specialists✔ Dispute Inaccurate Negative Items✔ Results in 30–45 Days (varies)🚗 Auto Insurance Binder Available 24/7 — Drive Off the Lot the Same Day!✔ 30-Day Binder for Car Dealers & Buyers — Instant Coverage at carsbinder.com
The Process

Simple. Transparent. Effective.

Our proven 5-step process has helped over 50,000 clients achieve lasting credit improvement.

01

Free Credit Analysis

We pull and review your full credit report to identify all negative items affecting your score.

02

Personalized Action Plan

Our experts create a customized roadmap tailored specifically to your credit situation and goals.

03

Professional Dispute Process

We send legally compliant dispute letters to credit bureaus and creditors on your behalf.

04

Real-time Progress Tracking

Monitor every update, dispute response, and score change through your personal dashboard.

05

Credit Score Improvement

Watch your score rise as negative items are removed and positive credit behaviors are reinforced.

Platform Preview

Watch Your Score Transform in Real Time

Our proven process takes clients from poor credit all the way to excellent — here's how your journey looks step by step.

gorepaircredit.com — Client Dashboard
480Credit Score300850
Poor
Month 0
Equifax480
Experian488
TransUnion475
Starting Score
Collections removed
Late payments disputed
Incorrect data identified
0
Items Removed
+0
Points Gained
0 mo
Timeline

Ready to start your own credit transformation?

Free Credit Analysis

Find Out Exactly
What's Hurting
Your Credit Score

Full 3-bureau review. No cost. No commitment. Just clarity and a real action plan tailored to your profile.

3-Bureau Report Review

We analyze Equifax, Experian & TransUnion simultaneously.

Custom Repair Strategy

A personalized action plan built around your specific credit profile.

30–60 Day Results

Most clients see measurable improvements within the first two months.

FCRA-Compliant Process

Every dispute is fully protected under federal law — no risks.

Dedicated Specialist

A real advisor — not a bot — guides your case from start to finish.

30-Day Money-Back Guarantee

Not satisfied in 30 days? Full refund, zero questions asked.

Recent client wins

Marcus W.Atlanta, GA
+197 pts4 min ago
Sofia R.Miami, FL
+203 pts11 min ago
James P.Chicago, IL
+188 pts22 min ago
2,847 people requested theirs this month

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Business Financing — Powered by National Business Capital

Get Your Business Funded — Up to $15 Million

We partner with National Business Capital — $2+ Billion financed since 2007. Find all the money you qualify for and review your lending options in minutes.

Apply Now — Free

$2B+

Total Financed

$250K–$15M

Transaction Range

24 hrs

Approval Speed

5-Star

Reputation

Term Loans
Line of Credit
Cash Flow
Equipment
SBA Loans
Revenue-Based
No collateral required
Bad credit accepted
All business types
Funds in 24–72 hrs
No hard credit pull to check rates
Live Business Funding Activity

Real Businesses Getting Funded

Watch real-time updates as businesses across the country apply and get approved for funding through GO Credit Report.

Apply for Funding
Live Stats

7

Total Applications

3

Approved

Step 4+

1

Funded

Disbursed

$350K

Total Funded

Disbursed to date

Live
ET
ELITE TRANSPORT SERVICES·
4 - Underwriting - Application Approved
PA
PACIFIC AUTO GROUP·
1 - Application Submitted
GS
GOLDEN STATE CONSTRUCTION·
2 - Documents Under Review
TS
TECH SOLUTIONS PRO·
5 - Funding Disbursed
·
$350,000 Funded
SC
SUNRISE CAFE & BAKERY·
3 - Application Received - Processing
CH
CALIFORNIA HOME SERVICE·
3 - Application Received - Processing
PR
PREMIUM RENTALS LLC·
4 - Underwriting - Application Approved
ET
ELITE TRANSPORT SERVICES·
4 - Underwriting - Application Approved
PA
PACIFIC AUTO GROUP·
1 - Application Submitted
GS
GOLDEN STATE CONSTRUCTION·
2 - Documents Under Review
TS
TECH SOLUTIONS PRO·
5 - Funding Disbursed
·
$350,000 Funded
SC
SUNRISE CAFE & BAKERY·
3 - Application Received - Processing
CH
CALIFORNIA HOME SERVICE·
3 - Application Received - Processing
PR
PREMIUM RENTALS LLC·
4 - Underwriting - Application Approved
ET
ELITE TRANSPORT SERVICES·
4 - Underwriting - Application Approved
PA
PACIFIC AUTO GROUP·
1 - Application Submitted
GS
GOLDEN STATE CONSTRUCTION·
2 - Documents Under Review
TS
TECH SOLUTIONS PRO·
5 - Funding Disbursed
·
$350,000 Funded
SC
SUNRISE CAFE & BAKERY·
3 - Application Received - Processing
CH
CALIFORNIA HOME SERVICE·
3 - Application Received - Processing
PR
PREMIUM RENTALS LLC·
4 - Underwriting - Application Approved
Response in 24 hours
100% Confidential
Up to $500,000
Track your application
New Service — Authorized User Tradelines

Boost Your Score 40–120+ Points in Days

Add years of perfect payment history and high credit limits to your report instantly. No hard pull, 100% legal, results in 7–15 days. Available in English & Spanish.

No Hard Pull
All 3 Bureaus
FCRA Legal
En Español
Starter
$300
+40 pts
BEST SELLER
Prime
$800
+80 pts
Platinum
$1,800
+120 pts

5 packages available · Starting at $300

Préstamos en Español

¿Necesitas Financiamiento?
Tenemos Opciones para Ti.

Asesor dedicado en español. Sin consulta dura al aplicar. Crédito imperfecto bienvenido.

Sin Hard Pull
Respuesta en 24 hrs
100% Seguro
Asesor en Español
Mal Crédito Aceptado
Loan Eligibility Preview

What Can Your Score Unlock?

Drag the slider to your estimated score and see which loans you'd likely qualify for — and at what rates.

Drag to set your estimated credit score

620
Fair
300 Very Poor580 Fair660 Good720 Excellent850

Personal Loan

Up to $35,000

Fair — May Need Co-Signer

Est. Rate

18–28% APR

Auto Loan

New & Used Vehicles

Non-Prime — Higher Rate

Est. Rate

10–18% APR

Business Loan

Up to $500,000

Alternative Lenders Only

Est. Rate

14–24% APR

Home Mortgage

FHA, Conventional & VA

FHA Only — PMI Required

Est. Rate

7.5–8.5% Fixed

A higher score = dramatically better rates

Most clients reach 660+ within 60–90 days. Start with a free analysis.

Get Free Credit Analysis →

Estimates based on industry averages. Actual rates vary by lender, term, and individual profile. Not financial advice.

Score Simulator

See How Much You Could Gain

Select the negative items on your credit report and get an instant estimate of how many points you could recover.

What's your estimated current score?

Which negative items do you have on your report?

Collection Accounts

Medical, credit card, utilities

Add

Hard Inquiries

Within the last 2 years

Add

Late Payments

30, 60 or 90+ days late

Add

Auto Repossession

Voluntary or involuntary

Add

Charge-offs

Accounts written off as loss

Add

Medical Debt Collections

Hospital, labs, doctors

Add

Bankruptcy

Chapter 7 or Chapter 13

Add

Your Score Estimate

Before repair539
300Current — Poor850
← Select items to see your potential

Estimates based on average client outcomes. Individual results vary based on account age, creditor responses, and report specifics.

Real Transformations

Before & After: See the Difference

Drag the slider to reveal how a real client's credit report changed after 5 months with GO Repair Credit. 7 negative items removed. 194 points gained. Mortgage approved.

BEFORE
Drag to compare
AFTER

Credit Report

After GO Repair Credit

EQEXTU

735

Credit Score (FICO)

300Good850

Account Status (7 items resolved)

Collection — Midland Credit

Removed · All 3 bureaus

Collection — Portfolio Recovery

Removed · All 3 bureaus

Late Payment — Citibank

Removed · Goodwill deletion

Late Payment — Chase

Removed · FCRA dispute

Hard Inquiry × 11

9 removed · Unauthorized

Charge-off — Synchrony Bank

Removed · Error dispute

Medical Debt — Optum

Removed · CFPB regulation

Mortgage: Approved at 6.8% APR

+194 points · 5 months · GO Repair Credit

Credit Report

Before GO Repair Credit

EQEXTU

541

Credit Score (FICO)

300Poor850

Negative Items (7)

Collection — Midland Credit

Unpaid · Reported Jan 2023

-$2,400

Collection — Portfolio Recovery

Unpaid · Reported Mar 2022

-$890

Late Payment — Citibank

90 days late · Dec 2022

Late Payment — Chase

30 days late · Nov 2022

Hard Inquiry × 11

Multiple lenders · 2022–2023

Charge-off — Synchrony Bank

Written off · Apr 2022

-$1,200

Medical Debt — Optum

Collection · Aug 2021

-$340

Loan Application: Denied

Score too low · Too many negative items

541 SCORE
735 SCORE
541
Before
After
735
+194 pts

Client Results

Maria L. — Chino, CA

"I went from being denied for everything to getting approved for my first mortgage. In 5 months my score went up 194 points."

541

Score Before

735

Score After

+194

Points Gained

5 months

Time to Results

Verified Review

What We Removed

2 Collection Accounts
+94 pts
2 Late Payments
+76 pts
9 Hard Inquiries
+38 pts
1 Charge-off
+48 pts
1 Medical Debt
+22 pts
Get My Free Analysis — See My Potential

No hard pull · No commitment · 24-hour response

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Real Client Results

Success Stories — Real People, Real Scores

These aren't made-up numbers. Every story below is a verified client who completed our program and achieved a life-changing result.

+177

Avg. pts gained

94%

Success rate

50K+

Clients helped

Maria L.

Maria L.

Chino, CA

Mortgage Approval
Before
527
Poor
+194 pts
5 months
After
721
Very Good
“I went from being denied for everything to getting approved for my first mortgage. This team is the real deal — they kept me informed every single step.”
Collections RemovedLate Payments3 Bureaus
James T.

James T.

Ontario, CA

Auto Loan at 4.9% APR
Before
561
Poor
+157 pts
45 days
After
718
Very Good
“Had 11 hard inquiries removed in the first 45 days. Financed my car at 4.9% APR. Real, measurable results with zero pressure tactics.”
11 Inquiries RemovedScore +157 ptsNo Hard Pull
Sandra M.

Sandra M.

Rancho Cucamonga, CA

Rewards Credit Card
Before
574
Poor
+167 pts
3 months
After
741
Excellent
“They removed 3 late payments I thought were permanent. My score jumped 167 points. I finally qualified for a credit card with actual rewards.”
3 Late Payments RemovedScore +167 ptsEquifax + Experian
Carlos R.

Carlos R.

Pomona, CA

Business Loan Approved
Before
498
Poor
+174 pts
6 months
After
672
Very Good
“Needed a business loan but my personal credit was killing me. GO Repair Credit cleaned up 4 collections and a charge-off. Got approved for $50K.”
4 Collections RemovedCharge-Off DeletedScore +174 pts
Tanya W.

Tanya W.

Fontana, CA

Refinanced at Lower Rate
Before
541
Poor
+189 pts
8 months
After
730
Very Good
“Refinanced my mortgage and saved $340/month. The process was smooth and my advisor was always available. Best investment I ever made.”
Bankruptcy RemovedScore +189 ptsAll 3 Bureaus
Miguel A.

Miguel A.

San Bernardino, CA

Apartment Approved
Before
512
Poor
+182 pts
4 months
After
694
Very Good
“Landlords kept rejecting me. After 4 months with GO Repair Credit, I got approved for a great apartment. Wish I had done this years ago.”
Repossession RemovedScore +182 ptsTransUnion + Equifax

Ready to write your own success story?

Start with a free 3-bureau credit analysis — no obligation, no hard pull.

Success Stories

Real Results, Real People

4.9

Avg. Rating

2,847

Verified Reviews

+191

Avg. Points Gained

Marcus Williams

Marcus Williams

Atlanta, GA

+197pts

Credit Score Journey

Before521
718After
300850

“I went from being denied for everything to qualifying for my first home. GO CREDIT REPORT changed my life in under 6 months.”

Collections removed, mortgage approved
Collections
Sofia Ramirez

Sofia Ramirez

Miami, FL

+203pts

Credit Score Journey

Before489
692After
300850

“My score jumped 203 points. The team handled everything professionally and kept me informed every step of the way.”

11 hard inquiries removed in 45 days
Hard Inquiries
James Patterson

James Patterson

Chicago, IL

+188pts

Credit Score Journey

Before553
741After
300850

“After the repo, I thought I'd never get another car loan. Within 5 months they cleared it and I drove off the lot with a new truck.”

Auto repossession removed, car loan approved
Repossession
Aisha Johnson

Aisha Johnson

Houston, TX

+205pts

Credit Score Journey

Before498
703After
300850

“Medical bills destroyed my credit. GO CREDIT REPORT disputed every single one and got them removed. Absolutely worth every penny.”

Medical debt collections cleared
Collections
Denise Torres

Denise Torres

Phoenix, AZ

+187pts

Credit Score Journey

Before512
699After
300850

“I had three late payments dragging my score down for years. In just 90 days they got all three removed and I finally qualified for a real rewards card.”

3 late payments removed, credit card approved
Late Payments
Kevin Brooks

Kevin Brooks

Dallas, TX

+178pts

Credit Score Journey

Before530
708After
300850

“I applied to too many cards in one year and tanked my score with inquiries. GO CREDIT REPORT cleared 9 of them. My mortgage rate dropped by 3% — that's thousands saved.”

9 hard inquiries removed, rate dropped 3%
Hard Inquiries
Rachel Nguyen

Rachel Nguyen

San Jose, CA

+183pts

Credit Score Journey

Before478
661After
300850

“The repossession was haunting my report for 4 years. Within 4 months the GO CREDIT REPORT team got it completely removed. I cried when I got my new car keys.”

Repo removed after 4 months, leased new car
Repossession
David Morales

David Morales

San Antonio, TX

+183pts

Credit Score Journey

Before541
724After
300850

“Five late payments spread across two years were killing my score. All five got removed. I just got approved for a home equity line at a great rate.”

5 late payments cleared, home equity approved
Late Payments
Video Testimonials

Real People. Real Results.
Watch Their Stories.

These are real GO Repair Credit clients — not actors. Watch how they went from denied to approved, from damaged to excellent credit.

4.9/5·2,847 verified reviews
Maria L. video testimonial
2:34
+194 pts
ML

Maria L.

Los Angeles, CA

“I went from being denied for everything to getting approved for my first mortgage in just 5 months.”

Collections Removed
James T. video testimonial
1:58
+163 pts
JT

James T.

Houston, TX

“Got financed for my car at 4.9% APR after 11 hard inquiries were removed in just 45 days.”

Hard Inquiries Removed
Sofia R. video testimonial
3:12
+121 pts
SR

Sofia R.

Miami, FL

“They found a collection account that wasn't even mine. Removed in 3 months, 121 point jump.”

Late Payments Cleared
David K. video testimonial
2:47
+218 pts
DK

David K.

Atlanta, GA

“After Chapter 7 I thought I'd never recover. In 6 months I'm back over 680 and qualifying again.”

Bankruptcy Recovery
Ana M. video testimonial
2:15
+155 pts
AM

Ana M.

San Antonio, TX

“Three charge-offs gone in 90 days. My credit card limit went from $300 to $8,000 after that.”

Charge-offs Disputed
Michael P. video testimonial
1:43
+177 pts
MP

Michael P.

Chicago, IL

“Thought a repo would haunt me for 7 years. GO Repair Credit had it off in under 4 months.”

Repossession Removed

Ready to write your own success story?

Why GO Credit Report

How We Compare

See why thousands choose GO Credit Report over DIY methods and generic credit repair companies.

GO Credit ReportProfessional
DIYOn your own
OthersGeneric firms
Disputes All 3 Bureaus Simultaneously
Partial
Dedicated Credit Specialist
FCRA-Compliant Process
Risk of error
Hard Inquiry Removal
Partial
Auto Repossession Assistance
Collections Negotiation
Partial
Late Payment Challenges
Very slow
Partial
Real-Time Progress Dashboard
Partial
30-Day Money-Back Guarantee
CFPB Complaint Escalation
Avg. Results in 60 Days
Varies
Re-Disputes at No Extra Cost
Get Started
Months of research, risky errors
One-size-fits-all templates

Results may vary. Based on client outcomes across 50,000+ cases. DIY results depend on individual knowledge and effort.

Recognition & Authority

Awards & Certifications

Industry recognition backed by 50,000+ client results, full FCRA compliance, and a 30-day money-back guarantee.

2024

Best Credit Repair Service

Consumer Finance Awards

Gold
2024

Top Rated — FCRA Compliant

National Credit Association

Certified
2023–24

BBB Accredited Business

Better Business Bureau

A+ Rating
2024

256-bit SSL Secured Platform

DigiCert Trust Seal

Verified
Since 2019

FCRA § 609 Dispute Expert

Fair Credit Reporting Act

Compliant
2023

Outstanding Client Support

Trustpilot Community Vote

4.9 ★
As Featured In

GO Credit Report ranks among the most transparent and results-driven services in the industry.

NerdWalletPersonal Finance

A strong choice for consumers dealing with collections or hard inquiries. Real specialists, real results.

BankrateCredit & Debt

Users report significant score improvements within 60 days — one of the fastest timelines we've tracked.

Credit KarmaScore Improvement

The dedicated specialist model gives GO Credit Report an edge over automated-only competitors.

Forbes AdvisorFinancial Services
50,000+ Clients Served
94% Success Rate
Results in as little as 30 days
Disputes in all 50 States
Dedicated Specialist per Client
Live Client Reviews

Real People. Real Results.

Over 2,847 verified clients have transformed their credit with GO Repair Credit.

4.9/ 5  ·  2,847 reviews
ML

Maria L.

Chino, CA

2 days ago

521715+194
Collections Removal

“I went from being denied for everything to getting approved for my first mortgage. In 5 months my score went up 194 points. This team is the real deal — they kept me informed every single step.”

Verified Client
JT

James T.

Ontario, CA

5 days ago

588742+154
Hard Inquiry Removal

“Financed my car at 4.9% APR after GO Repair Credit cleaned up my report. Had 11 hard inquiries removed in the first 45 days. Real, measurable results with zero pressure tactics. Highly recommend.”

Verified Client
SM

Sandra M.

Rancho Cucamonga, CA

8 days ago

563730+167
Late Payment Removal

“They removed 3 late payments I thought were permanent. My score jumped 167 points in just under 3 months. I finally qualified for a credit card with actual rewards. Couldn't be happier.”

Verified Client
Real Results

Before & After — Verified Score Improvements

These are real clients who completed our program. Average improvement across all plans: +195 points.

+195

Avg. score gain

94%

Success rate

50K+

Clients helped

Maria R.

Maria R.

Miami, FL

Collections
Before521
After714
+193 pts in 9 monthsVery Good
James T.

James T.

Atlanta, GA

Hard Inquiries
Before488
After673
+185 pts in 7 monthsVery Good
Sandra L.

Sandra L.

Houston, TX

Late Payments
Before554
After741
+187 pts in 11 monthsExcellent
Carlos M.

Carlos M.

Orlando, FL

Collections
Before503
After688
+185 pts in 8 monthsVery Good
Tanya W.

Tanya W.

Chicago, IL

Hard Inquiries
Before541
After722
+181 pts in 10 monthsVery Good
Derek P.

Derek P.

Phoenix, AZ

Late Payments
Before476
After659
+183 pts in 6 monthsGood
Lucia F.

Lucia F.

Los Angeles, CA

Collections
Before532
After750
+218 pts in 12 monthsExcellent
Marcus H.

Marcus H.

Dallas, TX

Hard Inquiries
Before510
After698
+188 pts in 9 monthsVery Good
Rosa G.

Rosa G.

San Antonio, TX

Late Payments
Before495
After731
+236 pts in 11 monthsVery Good

FICO® Score Range Guide

Fair 300–579
Good 580–669
Very Good 670–739
Exceptional 740–850

Important Disclosure — Results Vary

Results shown are based on real clients who completed our credit repair program. Individual results vary based on each person's unique credit profile, the types of negative items present, and how quickly credit bureaus respond to disputes. Score improvements are not guaranteed. We cannot promise a specific point increase or guarantee removal of any particular item. Credit repair services are governed by the Credit Repair Organizations Act (CROA) and the Fair Credit Reporting Act (FCRA). You have the right to cancel within 3 business days of signing a contract.

Ready to start your credit improvement journey?

Free Credit Monitoring · Powered by SoFi

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100% Free · No Credit Card Required

Start tracking your score today.

Join thousands of people who monitor their credit for free through SoFi and get rewarded as their score climbs.

Start Now — It's Free

2 Soft inquiry only — never affects your credit score.  3 Rewards points subject to SoFi program terms and conditions.

Featured Financial Products

Build Credit & Access Better Rates

Once your credit is repaired, level up with secured cards, credit builders and loan offers handpicked for every profile.

See all 21 products
opensky® Secured Visa® Credit Card
Secured CardPre-Approved

opensky® Secured Visa® Credit Card

Capital Bank

$35Annual Fee
24.39% var…APR

No credit check — 89% approval rate

opensky® Plus Secured Visa® Credit Card
Secured CardNo Annual Fee

opensky® Plus Secured Visa® Credit Card

Capital Bank

$0Annual Fee
23.89% var…APR

No annual fee — keep more money in your pocket

Magnum — A Credit Strong Product
Credit Builder86pt Avg Increase

Magnum — A Credit Strong Product

Austin Capital Bank

From $30/moAnnual Fee
From 6.99%APR

86-Point Average FICO® Score Increase

Kovo Credit Builder
Credit Builder0% APR

Kovo Credit Builder

Kovo

$0Annual Fee
0% APRAPR

0% APR — no interest ever

21 financial products available

Secured cards, credit builders, loans & more — for every credit profile

Browse All Products
Rent Reporting Service
New Service — Rent Reporting

Turn Your Rent Payments Into
Credit Score Points

You pay rent every month — but it doesn't count toward your credit score. Rent Reporters changes that by reporting your payments to Equifax & TransUnion.

40+ ptsavg. in 10 days
24 monthsretroactive history
No Hard Pullzero risk
$9.95/mostarting price

Rent Reporters

Powered by Rent Reporters

N/A
708
Credit Invisible → 708
N/A
679
No Score → 679
N/A
689
Thin File → 689

Reported to

EquifaxTransUnion
Nuevo — Travel Deals

Vuela Más,
Paga Hasta 80% Menos

Descubre vuelos que las aerolíneas no quieren que veas. Powered by Skiplagged — la plataforma que CNN, BBC y Forbes han destacado.

Nuevo — Ofertas de Viaje

Vuela a Cancún, Miami
y más — hasta 80% menos

Descubre vuelos que las aerolíneas no quieren que veas. Skiplagged — la plataforma destacada en CNN, BBC y Forbes — encuentra precios secretos para ti.

Business Funding — Fast & Simple

Need Capital for Your Business?
We Find the Best Deal for You.

Access 75+ specialized lenders through one simple application. Bad credit OK · No collateral required · Bilingual advisors available.

01

Apply in Minutes

Fill out a simple form — no hard credit pull, no commitment.

02

Get Matched

We compare 75+ lenders to find your best rates and terms.

03

Receive Funds

Approval in 24 hrs. Funds deposited in 24–72 business hours.

Term Loans

Up to $5M

Line of Credit

Up to $500K

Cash Flow

Up to $2M

Equipment

Up to $5M

SBA Loans

Up to $5M

Revenue-Based

Up to $1M

500+ FICO accepted
No collateral needed
LLC, Corp, Sole Prop
Funds in 24–72 hrs
Bilingual advisors
4.9 · $2B+ Funded
Corporate Formation Results

Real Businesses. Real Results.

These are actual corporations we helped form and register with the State of California — all Active and verified through the CA Secretary of State.

Start Your Business
MM
Active

Metric and Motion

Stock Corporation · CA · General

Reg. NumberB20260034489
Filed01/23/2026
StateCalifornia
NE
Active

New Era Commerce & Marketing

Stock Corporation · CA · General

Reg. NumberB20250287444
Filed09/05/2025
StateCalifornia
SM
Active

Service Management & Import Prietos

Stock Corporation · CA · General

Reg. NumberB20260062161
Filed02/11/2026
StateCalifornia
VG
Active

V&G Tires Services

Stock Corporation · CA · General

Reg. NumberB20250244757
Filed08/12/2025
StateCalifornia
Verified via CA Secretary of State
100% Legal Formation Process
Fast Turnaround — Avg. 2–5 Business Days

Ready to form your own California corporation or LLC?

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Transparent Pricing

Choose Your Plan

No hidden fees. Cancel anytime. 30-day money-back guarantee on all plans.

Monthly
Annual

50K+

Clients Enrolled

4.9★

Average Rating

+191pts

Avg. Score Gain

94%

Dispute Success Rate

$50 OFF Enrollment Fee — New Clients

No code needed · Applied automatically at checkout · Subject to availability

View Plans

Starter

Perfect for getting started with essential dispute services.

$299

enrollment + $79/mo × 12

  • Credit Report Analysis
  • Up to 5 Disputes/Month
  • Email Support
  • Basic Progress Dashboard
  • Credit Score Tracking
Get Started →
30-day money-back guarantee
Most Popular

Professional

Our most popular plan — full disputes, monitoring and hard inquiry removal.

$599

one-time payment

  • Full Credit Report Analysis
  • Unlimited Disputes
  • Priority Phone & Email Support
  • Advanced Progress Dashboard
  • Real-time Credit Monitoring
  • Hard Inquiry Removal
  • Monthly Credit Strategy Call
Get Professional →
30-day money-back guarantee

Premium

Full-service credit overhaul with a dedicated advisor and weekly sessions.

Custom

Contact us for pricing

  • Everything in Professional
  • Dedicated Credit Advisor
  • Auto Repossession Assistance
  • Bankruptcy Recovery Program
  • Weekly Strategy Sessions
  • Identity Theft Protection
  • Creditor Negotiation Service
  • Guaranteed Response within 2hrs
30-day money-back guarantee
Real Results

What our clients are saying

“I went from 521 to 615 in just 3 months. I finally qualified for a car loan! Always available, every step of the way.”

+94 pts in 3 months
MG

Maria G.

Chino, CA · Professional Plan

“Two collections and a late payment removed from Equifax and TransUnion. My mortgage pre-approval went through last week.”

+71 pts in 60 days
JR

James R.

Ontario, CA · Starter Plan

“They removed 6 negative items across all 3 bureaus. The dashboard made everything easy. My score is now 680!”

+118 pts in 5 months
DM

Diana M.

Pomona, CA · Professional Plan

30-Day Money Back
256-bit SSL Encryption
CROA Compliant
Dedicated Advisor
Full Transparency

How Does Payment Work?

We believe in 100% transparency. Here's exactly what you pay, when you pay it, and what you get.

The $299 is your initial deposit. It activates your credit repair program immediately. Starting the month after you pay this deposit, we automatically charge $79/month for 12 consecutive months — this covers the full cost of the credit repair service provided during that period.

01
$299Due today

Pay Your Enrollment Deposit

Your $299 deposit is charged today. This activates your account and our team gets to work right away analyzing your credit report.

02
$79/mo× 12 months

Monthly Payments Begin Next Month

Starting the following month, $79 is automatically charged each month for 12 months. These payments cover the ongoing credit repair service — disputes, monitoring, and expert support.

03

Program Completes After 12 Months

After all 12 monthly payments are processed, your program is complete. No more charges — ever. Your credit repair journey ends with a stronger score.

Total Investment Breakdown
Enrollment deposit (due today)$299.00
Monthly service fee (next 12 months)$79.00 × 12 = $948.00
Total program investment$1,247.00

Monthly billing of $79 starts automatically the month after your $299 deposit. No action needed — fully automatic.

Start with Starter — $299 Today

30-day money-back guarantee on all plans

Client Portal

Your Progress. Tracked in Real Time.

Every client gets access to a personal dashboard — see your credit score rise, disputes update, and every payment on one screen.

gorepaircredit.com/dashboard
GO Repair Credit
MMaria

Welcome back

Maria Rodriguez

Starter Plan · Month 2 of 12

+45

pts gained

2/6

resolved

2

removed

+46

recovered

Credit Score

612

614

EXP

608

EQX

615

TU

Recent Activity

Capital One removed+28 pts2d ago
Synchrony deleted+18 pts3d ago
Midland under review1wk

Disputes

33% resolved
Capital One ✓Synchrony ✓Midland…TD Auto…
Live dashboard

Everything in one place — nothing hidden

From the moment your program activates, you have a live window into every action we take on your behalf. No guessing, no waiting for calls.

Live Credit Score

Real-time score tracker with animated gauge across all 3 bureaus.

Dispute Tracker

See every dispute filed, its current status, and how many points each removal added.

Payment Schedule

Visual timeline of every payment — past, current, and upcoming — with no surprises.

Activity Feed

Live notifications every time an item is removed or your score improves.

Dashboard access is included with every plan — no extra cost

Free Credit Education

Learn Everything About Credit Repair

Our free credit education library covers everything from understanding your FICO score to removing collections, disputing errors, and building credit from scratch. Written by FCRA-certified experts in Chino, CA.

7 Proven Ways to Boost Your Credit Score in 90 DaysPopular
Credit Tips5 min read

7 Proven Ways to Boost Your Credit Score in 90 Days

Discover the fastest legitimate strategies our experts use to drive rapid score improvements — from reducing utilization to disputing inaccuracies the right way.

Mar 15, 2025Read
How to Remove Collections From Your Credit Report LegallyMust Read
Collections7 min read

How to Remove Collections From Your Credit Report Legally

Collections can crush your score by 100+ points. Learn the exact dispute process we use to get them removed — often within 30 days of filing.

Feb 28, 2025Read
What Is a Good Credit Score in the U.S.? Complete 2026 GuideBeginner
Credit Tips6 min read

What Is a Good Credit Score in the U.S.? Complete 2026 Guide

Complete guide to FICO credit score ranges — poor, fair, good, very good, exceptional — and what each range means for loans, mortgages, and interest rates.

Apr 5, 2026Read
Credit Utilization Explained: The 30% Rule and How to Optimize ItVery Important
Credit Tips7 min read

Credit Utilization Explained: The 30% Rule and How to Optimize It

Credit utilization is 30% of your FICO score. Learn what it is, how to calculate it, and 5 strategies to lower your ratio fast — sometimes in one billing cycle.

Apr 5, 2026Read
7 Mistakes That Destroy Your Credit Score (And How to Fix Them)Must Read
Credit Tips8 min read

7 Mistakes That Destroy Your Credit Score (And How to Fix Them)

The 7 most damaging credit mistakes — missing payments, maxing cards, closing old accounts — with exact point impacts and how to fix each one.

Apr 5, 2026Read
How to Improve Your Credit Score Fast in 20262026 Guide
Credit Tips6 min read

How to Improve Your Credit Score Fast in 2026

Your credit score plays a crucial role in your financial life. Learn the 5 most effective strategies to improve your score quickly — from payment history to authorized user tactics.

Apr 5, 2026Read
What Is a Credit Repair Service and How Does It Work?Guide
Credit Repair7 min read

What Is a Credit Repair Service and How Does It Work?

A complete guide to credit repair services — what they legally do, how the process works step by step, and how to tell a legitimate company from a scam.

Apr 5, 2026Read
How Long Do Negative Items Stay on Your Credit Report?FCRA Guide
Credit Tips6 min read

How Long Do Negative Items Stay on Your Credit Report?

Under the FCRA, most negative items can only stay on your report for 7 years. Here is the complete breakdown of every item type and what you can do about it.

Apr 5, 2026Read
Best Credit Repair Tips for 2026: What Actually Works Right Now2026 Guide
Credit Tips9 min read

Best Credit Repair Tips for 2026: What Actually Works Right Now

2026 brings new CFPB rules, updated scoring models, and fresh strategies. Our experts break down exactly what is working this year to repair and rebuild credit fast.

Mar 25, 2026Read
Hard vs. Soft Inquiries: What Actually Hurts Your ScoreGuide
Hard Inquiries6 min read

Hard vs. Soft Inquiries: What Actually Hurts Your Score

Not all credit checks are the same. We break down exactly which inquiries damage your score, how long they last, and how to dispute unauthorized ones.

Jan 3, 2025Read
What Is a Secured Credit Card? How to Build Credit from Zero in 2026Beginner Guide
Credit Cards8 min read

What Is a Secured Credit Card? How to Build Credit from Zero in 2026

Complete guide to secured credit cards: what they are, how they work, the best options in 2026, and the exact strategy to maximize your credit score gains.

Apr 3, 2026Read
How to Raise Your Credit Score Fast in 2026: 6 Proven TechniquesFast Results
Credit Tips7 min read

How to Raise Your Credit Score Fast in 2026: 6 Proven Techniques

Six actionable techniques with exact steps and expected point gains to raise your credit score fast in 2026 — from utilization hacks to dispute strategies.

Apr 2, 2026Read

Explore all 22+ credit education articles

Free guides on credit repair, collections, FCRA rights, and more — in English and Spanish.

Dispute Process

How Long Does the Dispute Process Take?

Timelines vary by plan and item type. Here's a full breakdown by plan and bureau.

Starter

Standard

Up to 60 days

Standard dispute process for collections, late payments & inquiries.

Start60 days

Professional

Fast

Up to 30 days

Accelerated dispute track with priority bureau submissions.

Start30 days

Premium

Fastest

Under 2 weeks

Most advanced and fastest resolution. Dedicated escalation team.

Start14 days

Response Time by Credit Bureau

Equifax

30–45 days

Equifax has an online dispute portal but often requires follow-up letters for complex items.

Experian

30–45 days

Experian typically processes disputes within their 30-day legal window and provides detailed status updates.

TransUnion

30–45 days

TransUnion offers the fastest online verification tool. Complex collections may require multiple rounds.

Legal note: Under the Fair Credit Reporting Act (FCRA), credit bureaus are legally required to respond within 30 business days (45 days if the consumer provides additional documentation). Any item not verified within that window must be removed immediately.

Dispute Process — Common Questions

Have more questions about your case?

Our specialists walk you through every step.

FAQ

Frequently Asked Questions

Have questions? We're here to help. If you don't find your answer here, reach out to us directly.

Still have questions?

Contact us →
Coverage

Areas We Serve

We serve clients across California, the Southwest, and nationwide. No matter where you are, our credit experts are ready to help you rebuild your financial future.

50+

Cities Served

50K+

Clients Helped

CA

HQ State

100%

Online Service

Chino, CAOntario, CAPomona, CARancho Cucamonga, CASan Bernardino, CARiverside, CACorona, CAFontana, CAMoreno Valley, CALos Angeles, CAAnaheim, CALong Beach, CASanta Ana, CAIrvine, CABakersfield, CAFresno, CASan Diego, CALas Vegas, NVPhoenix, AZAll USA 🇺🇸
April 2026 Leaderboard

Partner Spotlight

Our top-performing affiliates this month — real people earning real income by connecting their community with credit repair.

312
Active Partners
This month
$128K
Commissions Paid
April so far
1,847
Referrals Sent
+34% vs March
$90
Avg. per Referral
Across all tiers
#1
Daniela Reyes
Diamond
Daniela Reyes
Chino, CA
47
Referrals
$4,230
Earned
Success Rate94%
Collections
+28%
#2
Marcus Williams
Diamond
Marcus Williams
Ontario, CA
41
Referrals
$3,690
Earned
Success Rate91%
Hard Inquiries
+15%
#3
Sofia Gutierrez
Gold
Sofia Gutierrez
Rancho Cucamonga, CA
33
Referrals
$2,970
Earned
Success Rate88%
Late Payments
+42%
#4
Kevin Tran
Gold
Kevin Tran
Pomona, CA
28
Referrals
$2,520
Earned
Success Rate86%
Charge-offs
Steady

Want your name on this list?

Join 312+ active partners earning $90 per referral. No sales experience needed — just share your link and we handle the rest.

Weekly payoutsReal-time dashboardMarketing materials providedDedicated support
Affiliate Partner Program

Partner With GO Repair Credit

Earn While You Help Others

Join our Affiliate Partner Program and earn commissions for every client you refer. No experience needed — just a network and a desire to help people rebuild their financial future.

$0

Paid to Partners

live counter

$150+

Per Referral

No Cap

On Earnings

24/7

Partner Portal

What You Get

  • Generous Commissions

    Earn competitive payouts for every paying client you send our way.

  • Unique Referral Link

    Your own tracked link — no spreadsheets, no guessing.

  • Real-Time Dashboard

    Track clicks, sign-ups, and commissions instantly.

  • Dedicated Support

    Our partner team is always available to help you succeed.

Get In Touch

Ready to Start?

Fill out the form below and a credit expert will contact you within 24 hours.

Business Hours

Mon–Fri: 8AM – 7PM EST

Office

12564 Central Ave #A 741
Chino, CA 91710

Rent Reporting
New ServicePowered by Rent Reporters

Your Rent Payments Can Build Your Credit Score

Legal Notices

Important Disclaimer

The information provided on this website is for educational purposes only and should not be considered financial or legal advice. Individual results may vary. We do not guarantee a specific credit score increase or outcomes. Credit repair results depend on each individual's credit profile and financial behavior. GO Repair Credit is governed by the Credit Repair Organizations Act (CROA) and the Fair Credit Reporting Act (FCRA). You have the right to cancel within 3 business days of signing a contract without penalty. We do not remove accurate, verifiable information from credit reports.

Affiliate Disclosure

Some links on this site are affiliate links, which means we may earn a commission if you make a purchase through these links at no additional cost to you. We only recommend products or services that we trust and believe will provide genuine value to our users. Our editorial opinions remain independent and are not influenced by affiliate relationships.

© 2026 GO Repair Credit — 12564 Central Ave #A 741, Chino, CA 91710 — All rights reserved.

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