Isabel Pelayo Pelayo
North Hills, CA
BBB Accredited
A+ Rating
Trustpilot
4.9 / 5 Stars
FCRA Compliant
Fully Protected
30-Day Guarantee
Full Refund
256-bit SSL
Bank-Level Security
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.
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Many people don't realize that credit mistakes or outdated information can have a lasting impact.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.
Why Credit Repair Matters — Key Statistics
38%
of Inland Empire residents have a credit score below 620
CFPB 2024 Report
$4,200
average extra interest paid per year by consumers with poor credit in CA
Consumer Finance Study
79%
of credit reports contain at least one error, per FTC research
FTC Consumer Report
1 in 5
Americans have a material error on their credit report that affects their score
FTC Study
Get a Free Credit Analysis
Our specialists will review your 3-bureau report and identify disputable items — at no cost and no obligation.
Start Free AnalysisRead Our Full Credit Guide
25+ free articles covering FCRA rights, collections, hard inquiries, credit building, and more.
Browse All ArticlesOur Recommended Tools
Every tool we recommend has been carefully reviewed. Use one — or combine them all for maximum credit growth.
CreditStrong
Build Credit While You Save
A Credit Builder Loan that locks payments into FDIC-insured savings. On-time payments report to all 3 bureaus — you come out with better credit AND money in your pocket.
Best for: Building credit from scratch
Get Started FreeKikoff
Instant $750 Credit Line — Free
No deposit, no credit check, no fees. Opens a $750 revolving credit line that reports to all 3 major bureaus. Perfect for boosting your utilization ratio fast.
Best for: Improving credit utilization
Get Started FreeKovo
4 Bureaus. 48 Months. $10/mo.
The only credit builder that reports to all 4 major bureaus — including Innovis. A 48-month installment plan that builds long-term history plus financial courses included.
Best for: Long-term credit history
Get Started FreeSoFi
Free Credit Score Monitoring
Monitor your score without impacting it. Get personalized insights explaining your score and earn reward points every time your score climbs 5+ points.
Best for: Tracking & monitoring progress
Get Started FreeAffiliate Disclosure
Some of the links on this page are affiliate referral links. If you click and sign up, we may earn a commission at no additional cost to you. We only recommend tools and services we have personally reviewed and believe can genuinely help improve your credit. Our editorial opinions are independent and not influenced by affiliate relationships.
Simple. Transparent. Effective.
Our proven 5-step process has helped over 50,000 clients achieve lasting credit improvement.
Free Credit Analysis
We pull and review your full credit report to identify all negative items affecting your score.
Personalized Action Plan
Our experts create a customized roadmap tailored specifically to your credit situation and goals.
Professional Dispute Process
We send legally compliant dispute letters to credit bureaus and creditors on your behalf.
Real-time Progress Tracking
Monitor every update, dispute response, and score change through your personal dashboard.
Credit Score Improvement
Watch your score rise as negative items are removed and positive credit behaviors are reinforced.
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.
Ready to start your own credit transformation?
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
Request Your Free Analysis
Response within 24 hours. No spam, ever.
Want to see a real example first?
Real analysis with FCRA violations found
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.
$2B+
Total Financed
$250K–$15M
Transaction Range
24 hrs
Approval Speed
5-Star
Reputation
Real Businesses Getting Funded
Watch real-time updates as businesses across the country apply and get approved for funding through GO Credit Report.
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.
20 tradelines available · From $189 · -10% OFF Today
12 Credit & Financial
Services in One Place
From credit repair and tradelines to business formation and auto loans — everything you need to rebuild, grow, and succeed. Trusted by 50K+ clients nationwide.
¿Necesitas Financiamiento?
Tenemos Opciones para Ti.
Asesor dedicado en español. Sin consulta dura al aplicar. Crédito imperfecto bienvenido.
Préstamo para Negocio
Hasta $15 millones. Aprobación en 24 hrs.
Préstamo Personal
Hasta $50,000. Sin colateral.
Préstamo para Auto
Nuevos y usados. Desde 4.9% APR.
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
Personal Loan
Up to $35,000
Est. Rate
18–28% APR
Auto Loan
New & Used Vehicles
Est. Rate
10–18% APR
Business Loan
Up to $500,000
Est. Rate
14–24% APR
Home Mortgage
FHA, Conventional & VA
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.
Estimates based on industry averages. Actual rates vary by lender, term, and individual profile. Not financial advice.
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
Hard Inquiries
Within the last 2 years
Late Payments
30, 60 or 90+ days late
Auto Repossession
Voluntary or involuntary
Charge-offs
Accounts written off as loss
Medical Debt Collections
Hospital, labs, doctors
Bankruptcy
Chapter 7 or Chapter 13
Your Score Estimate
Estimates based on average client outcomes. Individual results vary based on account age, creditor responses, and report specifics.
Before & After: Real Transformations
These are real clients with verified credit report data. No simulations, no stock photos — actual TransUnion results.
Before
583
Fair
After
717
Good
Score Improvement
+134 pts
Time to Results
3 days
Score
Derogatory
Delinquent
Balances
Accounts
Open
JORGE P. PONCE
Inland Empire, CA
I can't believe what GO Repair Credit achieved in just 3 days. My score went from 583 to 717 — that's +134 points! My derogatory marks went from 3 to 0, balances dropped from $6,289 to $2,133, and I went from 2 delinquent accounts to just 1. From 19 credit accounts cleaned down to 15. Carlos and the team delivered beyond anything I expected. My credit is completely restored.
What We Removed / Improved
Final Outcome
Score 717 GOOD — Credit Fully Restored in 3 Days
No hard pull · No commitment · 24-hour response
Before
589
Fair/Poor
Current
589
Repairing
Starting Score
589 pts
Started
In Progress
Score
Inquiries
Collections
Utilization
Coll. Debt
Payment
JOSE M NAVARRETE
Inland Empire, CA
My credit has 20 inquiries and 5 collections dragging my score down to 589. SEZZLE charge-off, LOCKHART MORRIS $5,842 collection, PORTFOLIO RECOVERY, JEFFERSON CAPITAL, and VERIZON are all hurting me. My Capital One is maxed at 91% utilization. GO Repair Credit has mapped out a complete plan — removing collections first, then inquiries, then paying down balances. Projected score: 720-760+ when complete.
What We're Working On
Current Goal
5 Collections + 20 Inquiries Being Disputed — Score Target 720-760+
No hard pull · No commitment · 24-hour response
Before
526
Very Poor
After
657
Good
Score Improvement
+131 pts
Time to Results
3 months + Kikoff
Score
Collections
Late Pmts
Inquiries
Derogatory
Bankruptcy
YOANDRIS GARCIA
Inland Empire, CA
I honestly didn't think my credit could recover this fast. GO Repair Credit removed everything dragging my score down in just 3 months — from 526 to 645. But they didn't stop there. They told me I needed a credit-builder to keep climbing, so I opened Kikoff through their recommendation. Now my Kikoff score just hit 657 — that's 131 points total from where I started. I can't thank Carlos and the team enough for everything they've done for me. My credit keeps getting better every day!
What We Removed / Improved
Final Outcome
Score 657 GOOD — Credit Restored + Kikoff Building · Verified TransUnion + Kikoff
No hard pull · No commitment · 24-hour response
Before
554
Poor
Current
565
Poor
Starting Score
554 pts
Started
In Progress
Score
Derogatory
Removed
Remaining
CAROLINA ANDRADE
Riverside, CA
In just 4 days GO Repair Credit already removed 5 derogatory accounts from my TransUnion report and my score went from 554 to 565. Barclays, Target, SYNCB, AMEX/Citi — all gone! We still have 8 more to go but this momentum is incredible. The team is delivering real results fast!
What We're Working On
Current Goal
5 Derogatory Removed in 4 Days — 8 More Being Disputed
No hard pull · No commitment · 24-hour response
Before
484
Very Poor
Current
500
Very Poor
Starting Score
484 pts
Started
In Progress
Score
Collections
Accounts Late
Coll. Debt
MARGARITA AYALA
Inland Empire, CA
En solo 7 días GO Repair Credit ya eliminó 4 collections de mi reporte Experian y mi score subió de 484 a 500. Las cuentas tarde pasaron de 11 a 7 y la deuda en colecciones bajó de $7,216 a $2,836. El equipo está trabajando fuerte en las disputas restantes y el progreso habla por sí solo.
What We're Working On
Current Goal
7 Días: 4 Collections Borradas · $4,380 Debt Eliminada · Score Subiendo
No hard pull · No commitment · 24-hour response
Before
467
Very Poor
Current
507
Very Poor
Starting Score
467 pts
Started
In Progress
Score
Balances
Delinquent
Inquiries
Derogatory
Accounts
YESENIA GONZALEZ
Hialeah, FL
My TransUnion credit score went from 467 to 507 (+40 pts) in just 5 days! My total balances dropped from $83,847 to $41,390 — that's $42K+ in debt gone. My derogatory marks went from 1 to 0 and delinquent accounts dropped from 4 to 2. Carlos and the GO Repair Credit team are already delivering real results!
What We're Working On
Current Goal
5-Day Progress: +40 pts, 0 Derogatories, $42K Balances Down
No hard pull · No commitment · 24-hour response
Before
545
Poor
After
679
Good
Score Improvement
+134 pts
Time to Results
26 days
Score
Inquiries
Derogatory
Accounts
Angela Castillo
Inland Empire, CA
¡En solo 26 días subí 134 puntos! Eliminaron todos mis derogatorios y bajaron mis inquiries de 23 a 3. Nunca pensé que fuera posible tan rápido.
What We Removed / Improved
Final Outcome
679 GOOD Score — Only 26 Days
No hard pull · No commitment · 24-hour response
Before
541
Poor
After
735
Very Good
Score Improvement
+194 pts
Time to Results
5 months
Score
Inquiries
Collections
Late Pmts
Maria L.
Chino, CA
I went from being denied for everything to getting approved for my first mortgage. 194 points in 5 months — this team is the real deal.
What We Removed / Improved
Final Outcome
Mortgage Approved at 6.8% APR
No hard pull · No commitment · 24-hour response
Before
588
Fair
After
694
Good
Score Improvement
+106 pts
Time to Results
45 days
Score
Inquiries
Collections
Derogatory
James T.
Ontario, CA
Financed my car at 4.9% APR after GO Repair Credit cleaned up my report. 11 hard inquiries removed in the first 45 days. Real results.
What We Removed / Improved
Final Outcome
Auto Loan at 4.9% APR — 45 days
No hard pull · No commitment · 24-hour response
2,848+
Clients Helped
134 pts
Avg Score Gain
98%
Negative Items Removed
45 days
Avg Time to Results
Advertisement
Featured Success: Isabel Pelayo Pelayo
A real-time documented case showing how 10 unauthorized hard inquiries were removed from TransUnion in just 4 days using FCRA § 609 disputes.
Isabel Pelayo Pelayo
VerifiedNorth Hills, California
Before
704
Apr 27, 2026
After
713
May 1, 2026
Total turnaround: 4 days
Service
Hard Inquiry Removal
Items Removed
10 inquiries
Bureau
TransUnion
Law Used
FCRA § 609
“I couldn't believe it — 10 unauthorized hard inquiries were deleted from my TransUnion report in just 4 days. My score went from 704 to 713 immediately. The dispute letters were incredibly thorough and professional.”
Isabel Pelayo Pelayo
Verified Client — North Hills, CA
Case Timeline
Completed in 4 DaysTransUnion Report Pulled
Identified 10 unauthorized hard inquiries on Isabel's credit report. 5 in 2020, 4 in 2023, 1 in 2024.
Round 1 — FCRA § 609 Disputes
Sent 10 certified dispute letters to TransUnion citing FCRA § 609. All letters sent USPS certified with return receipt.
Round 2 — Method of Verification
Sent secondary verification letters to all 10 creditors. Requested specific documentation proving lawful pull authorization.
Results Received
TransUnion deleted all 10 hard inquiries. Score updated: 704 → 713. Full deletion confirmed via updated credit report.
Legal Foundation
This case leveraged FCRA § 609 (15 U.S.C. § 1681g) requiring credit bureaus to provide verification of reported items upon consumer request. When creditors cannot produce signed authorization documentation, inquiries must be deleted under federal law.
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.
+153
Avg. pts gained
94%
Success rate
50K+
Clients helped
Isabel P.
North Hills, CA
“I couldn't believe it — 10 unauthorized hard inquiries were deleted from my TransUnion report in just 4 days. My score went from 704 to 713 immediately.”
Maria L.
Chino, CA
“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.”
James T.
Ontario, CA
“Had 11 hard inquiries removed in the first 45 days. Financed my car at 4.9% APR. Real, measurable results with zero pressure tactics.”
Sandra M.
Rancho Cucamonga, CA
“They removed 3 late payments I thought were permanent. My score jumped 167 points. I finally qualified for a credit card with actual rewards.”
Carlos R.
Pomona, CA
“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.”
Tanya W.
Fontana, CA
“Refinanced my mortgage and saved $340/month. The process was smooth and my advisor was always available. Best investment I ever made.”
Miguel A.
San Bernardino, CA
“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.”
Ready to write your own success story?
Start with a free 3-bureau credit analysis — no obligation, no hard pull.
Sponsored
Success Stories — Préstamos Aprobados y Fondeados
Personas reales que lograron obtener el préstamo que necesitaban gracias a la reparación de crédito y nuestros servicios de financiamiento.
$117K+
Total fondeado
6
Préstamos fondeados
100%
Clientes satisfechos
Salvador Murillo
California
$10,000
Self-Help Federal Credit Union
“GO Repair Credit me ayudó a mejorar mi crédito y conseguí un préstamo personal de $10,000. El proceso fue rápido, el asesor me explicó todo en español, y los fondos llegaron en menos de 48 horas. Ahora puedo consolidar mis deudas con una tasa mucho más baja.”
María G.
Chino, CA
$15,000
OneMain Financial
“Tenía 4 tarjetas de crédito con intereses altísimos. Consolidé todo en un solo préstamo personal de $15,000. Mi pago mensual bajó de $580 a $340. El asesor en español me guió paso a paso.”
José R.
Ontario, CA
$22,000
SoFi
“Necesitaba renovar el techo de mi casa después de una tormenta. Mi banco me rechazó por mi crédito imperfecto. Aquí me aprobaron $22,000 en 2 días. La tasa fue fija y sin sorpresas.”
Carlos V.
Pomona, CA
$50,000
National Business Capital
“Necesitaba capital para expander mi restaurante. Después de que GO Repair Credit limpiara mi reporte, conseguí $50,000 para mi negocio. El crecimiento ha sido increíble desde entonces.”
Ana R.
Los Ángeles, CA
$8,500
Upstart
“Mi esposo necesitaba una cirugía urgente y no teníamos los fondos. El préstamo personal de $8,500 llegó justo a tiempo. El proceso fue simple y el asesor en español nos hizo sentir seguros en cada paso.”
Patricia G.
Rancho Cucamonga, CA
$12,000
Discover Personal Loans
“Quería pagar la universidad de mi hija. Con mi crédito reparado, conseguí $12,000 con una tasa del 7.9% APR. Los pagos mensuales son manejables y mi hija ya está en su segundo año de carrera.”
¿Quieres ser nuestro próximo caso de éxito?
Empieza con una pre-calificación gratuita — sin afectar tu crédito.
Real Results, Real People
4.9★
Avg. Rating
2,847
Verified Reviews
+191
Avg. Points Gained
Marcus Williams
Atlanta, GA
Credit Score Journey
“I went from being denied for everything to qualifying for my first home. GO CREDIT REPORT changed my life in under 6 months.”
Sofia Ramirez
Miami, FL
Credit Score Journey
“My score jumped 203 points. The team handled everything professionally and kept me informed every step of the way.”
James Patterson
Chicago, IL
Credit Score Journey
“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.”
Aisha Johnson
Houston, TX
Credit Score Journey
“Medical bills destroyed my credit. GO CREDIT REPORT disputed every single one and got them removed. Absolutely worth every penny.”
Denise Torres
Phoenix, AZ
Credit Score Journey
“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.”
Kevin Brooks
Dallas, TX
Credit Score Journey
“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.”
Rachel Nguyen
San Jose, CA
Credit Score Journey
“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.”
David Morales
San Antonio, TX
Credit Score Journey
“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.”
Isabel Pelayo Pelayo
North Hills, CA
Credit Score Journey
“I couldn't believe it — 10 unauthorized hard inquiries were deleted from my TransUnion report in just 4 days. My score went from 704 to 713 immediately. The dispute letters were incredibly thorough and professional.”
Wall of Love
Every testimonial here was left directly by a client after completing their credit repair program. No fake reviews. No paid endorsements. Just real results from real people.
6+
Verified Testimonials
5★
Avg. Verified Rating
+178
Avg. Points Gained
100%
Client-Verified
Jorge PP.
Verified“I can't believe what GO Repair Credit achieved in just 3 days. My score went from 583 to 717 — that's +134 points! My derogatory marks went from 3 to 0, balances dropped from $6,289 to $2,133. The team delivered beyond anything I expected. My credit is completely restored.”
Credit fully restored — 0 derogatory marks — 717 Good score
Maria R.
Verified“I had been rejected for a mortgage twice before finding GO Repair Credit. Within 9 months every collection was gone and I finally got approved for my dream home. My advisor was available every time I had a question — this changed my life.”
Approved for a $280K home loan
James T.
Verified“I was paying 24% APR on my car because my credit was wrecked. After 7 months with GO Repair Credit I refinanced at 3.9% and I'm saving $340 a month. Worth every penny.”
Car financed at 3.9% APR
Sandra L.
Verified“As a small business owner my personal credit was tied to everything. GO Repair Credit cleaned up years of mistakes in under a year. I got a $50K business credit line and my suppliers now give me net-30 terms.”
Business credit line approved $50K
Carlos M.
Verified“Landlords kept rejecting my applications because of collections. After 8 months every collection was gone and I got approved for a great apartment without needing a co-signer.”
Rented apartment with no co-signer
Tanya W.
Verified“I had fallen into a trap of applying for credit everywhere which tanked my score with inquiries. GO Repair Credit removed 12 of them and also got rid of an old medical collection I didn't even know about.”
Secured a $15K personal loan at 7.2%
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.
Maria L.
Los Angeles, CA
“I went from being denied for everything to getting approved for my first mortgage in just 5 months.”
James T.
Houston, TX
“Got financed for my car at 4.9% APR after 11 hard inquiries were removed in just 45 days.”
Sofia R.
Miami, FL
“They found a collection account that wasn't even mine. Removed in 3 months, 121 point jump.”
David K.
Atlanta, GA
“After Chapter 7 I thought I'd never recover. In 6 months I'm back over 680 and qualifying again.”
Ana M.
San Antonio, TX
“Three charge-offs gone in 90 days. My credit card limit went from $300 to $8,000 after that.”
Michael P.
Chicago, IL
“Thought a repo would haunt me for 7 years. GO Repair Credit had it off in under 4 months.”
Ready to write your own success story?
How We Compare
See why thousands choose GO Credit Report over DIY methods and generic credit repair companies.
Results may vary. Based on client outcomes across 50,000+ cases. DIY results depend on individual knowledge and effort.
Awards & Certifications
Industry recognition backed by 50,000+ client results, full FCRA compliance, and a 30-day money-back guarantee.
Best Credit Repair Service
Consumer Finance Awards
GoldTop Rated — FCRA Compliant
National Credit Association
CertifiedBBB Accredited Business
Better Business Bureau
A+ Rating256-bit SSL Secured Platform
DigiCert Trust Seal
VerifiedFCRA § 609 Dispute Expert
Fair Credit Reporting Act
CompliantOutstanding Client Support
Trustpilot Community Vote
4.9 ★GO Credit Report ranks among the most transparent and results-driven services in the industry.
A strong choice for consumers dealing with collections or hard inquiries. Real specialists, real results.
Users report significant score improvements within 60 days — one of the fastest timelines we've tracked.
The dedicated specialist model gives GO Credit Report an edge over automated-only competitors.
Real Specialists. Real Experience. Real Results.
GO Credit Report was founded in Chino, California in 2019 by credit specialists who saw firsthand how inaccurate credit reporting was blocking hardworking families in the Inland Empire from buying homes, financing cars, and starting businesses. We built a team of FCRA-certified experts — not automated software — to fight for every client.
Carlos Mendoza
Lead Credit Specialist & Founder
Chino, CA · Since 2019
"I grew up watching my family get denied for loans because of errors on their credit reports that weren't even theirs. That's why I built GO Credit Report — to give every family the same fighting chance that the system was designed to provide but rarely delivers."
— Carlos Mendoza, Founder
Expertise & Background
FCRA Certified Specialist
Fair Credit Reporting Act
CROA Compliant
Credit Repair Organizations Act
CFPB Registered
Consumer Financial Protection Bureau
BBB Accredited A+
Better Business Bureau
7+
Years in Business
50K+
Clients Helped
191
Avg. Points Added
4.9★
Client Rating
Our Story — Timeline
Founded in Chino, CA
Started with a mission to help underserved communities in the Inland Empire access fair credit.
10,000 clients served
Expanded bilingual services (English & Spanish) to serve the growing Latino community in San Bernardino County.
FCRA Certification
Full team certified under the Fair Credit Reporting Act. Launched the client portal with real-time dispute tracking.
50,000+ clients helped
Recognized by NerdWallet and Bankrate. Expanded to serve all 50 states with dedicated remote specialists.
Business Loan Division
Launched business financing services to help clients not just repair credit but access capital to grow.
Our Editorial & Accuracy Standards
Every piece of content on gorepaircredit.com is reviewed by a certified FCRA specialist before publication. We cite federal law (FCRA, CROA, CFPB guidelines) and update our content whenever regulations change. We do not publish content that promises guaranteed results — because that would violate CROA.
Fact-Checked by Specialists
All credit advice is reviewed by FCRA-certified team members with 5+ years of hands-on dispute experience.
Updated Regularly
Content is reviewed quarterly and updated whenever CFPB, FTC, or credit bureau policies change.
Legally Compliant
All claims comply with CROA, FCRA, and FTC guidelines. We never promise specific score increases.
Real People. Real Results.
Over 2,847 verified clients have transformed their credit with GO Repair Credit.
Maria L.
Chino, CA
2 days ago
“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.”
James T.
Ontario, CA
5 days ago
“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.”
Sandra M.
Rancho Cucamonga, CA
8 days ago
“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.”
Isabel P.
North Hills, CA
Yesterday
“I couldn't believe it — 10 unauthorized hard inquiries were deleted from my TransUnion report in just 4 days. My score went from 704 to 713 immediately. The dispute letters were incredibly thorough and professional.”
What Clients Are Saying Right Now
Real-time verified reviews from clients across California. Updated automatically as new reviews come in.
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.
Miami, FL
James T.
Atlanta, GA
Sandra L.
Houston, TX
Carlos M.
Orlando, FL
Tanya W.
Chicago, IL
Derek P.
Phoenix, AZ
Lucia F.
Los Angeles, CA
Marcus H.
Dallas, TX
Rosa G.
San Antonio, TX
FICO® Score Range Guide
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.
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2 Soft inquiry only — never affects your credit score. 3 Rewards points subject to SoFi program terms and conditions.
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Secured cards, credit builders, loans & more — for every credit profile
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.
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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.
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Fill out a simple form — no hard credit pull, no commitment.
Get Matched
We compare 75+ lenders to find your best rates and terms.
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
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.
Metric and Motion
Stock Corporation · CA · General
New Era Commerce & Marketing
Stock Corporation · CA · General
Service Management & Import Prietos
Stock Corporation · CA · General
V&G Tires Services
Stock Corporation · CA · General
Ready to form your own California corporation or LLC?
Choose Your Plan
No hidden fees. Cancel anytime. 30-day money-back guarantee on all plans.
50K+
Clients Enrolled
4.9★
Average Rating
+191pts
Avg. Score Gain
94%
Dispute Success Rate
No code needed · Applied automatically at checkout · Subject to availability
Starter
Perfect for getting started with essential dispute services.
enrollment + $79/mo × 12
- Credit Report Analysis
- Up to 5 Disputes/Month
- Email Support
- Basic Progress Dashboard
- Credit Score Tracking
Professional
Our most popular plan — full disputes, monitoring and hard inquiry removal.
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
Premium
Full-service credit overhaul with a dedicated advisor and weekly sessions.
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
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.”
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.”
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!”
Diana M.
Pomona, CA · Professional Plan
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.
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.
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.
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.
Monthly billing of $79 starts automatically the month after your $299 deposit. No action needed — fully automatic.
30-day money-back guarantee on all plans
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.
Welcome back
Maria Rodriguez
Starter Plan · Month 2 of 12
+45
pts gained
2/6
resolved
2
removed
+46
recovered
Credit Score
614
EXP
608
EQX
615
TU
Recent Activity
Disputes
33% resolvedEverything 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
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.
Credit Score Basics
Remove Collections
Credit Utilization
Your FCRA Rights
Secured Credit Cards
Business Credit
Popular7 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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
Explore all 22+ credit education articles
Free guides on credit repair, collections, FCRA rights, and more — in English and Spanish.
How Long Does the Dispute Process Take?
Timelines vary by plan and item type. Here's a full breakdown by plan and bureau.
Starter
StandardUp to 60 days
Standard dispute process for collections, late payments & inquiries.
Professional
FastUp to 30 days
Accelerated dispute track with priority bureau submissions.
Premium
FastestUnder 2 weeks
Most advanced and fastest resolution. Dedicated escalation team.
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.
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 →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
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Business Hours
Mon–Fri: 8AM – 7PM EST
Office
12564 Central Ave #A 741
Chino, CA 91710
Your Rent Payments Can Build Your Credit Score
+40 pts
avg. in 10 days
No Hard Pull
zero risk
$9.95/mo
starting price
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.
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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.
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