We Make Repairing Your Past Mistakes Simple

⏳👉📲💰👨‍💼 📩📆📊🥳

Credit Repair Made Personal: We Understand Your Needs and Deliver Customized Solutions

Trusted By Agents With

We turn debt & credit challenges into triumphs.

You can trust that our methods are effective and reliable

Skilled professionals are committed to helping you conquer your credit and debt challenges, ensuring your financial success is our top priority.

⭐️ Our All-In-One Platform ⭐️

Dispute Errors✨

We help you identify errors or inaccuracies on your credit report and dispute them with the credit bureaus. This can help improve your credit score by removing negative information that doesn't belong on your report.

Negotiate with creditors✨

We work with your creditors to negotiate payment plans, lower interest rates, or settle debts for less than what you owe. This can help you get out of debt and improve your credit score by showing that you're making progress on paying off your debts.

Provide education and guidance✨

We educate you about credit and financial management, and provide guidance on how to improve your credit score over time. This includes tips on how to pay down debt, how to manage your credit utilization, and how to avoid common credit mistakes.

Help you establish new credit✨

If you have no credit history or a poor credit history, credit repair companies can help you establish new credit. This can include guidance on how to apply for secured credit cards, which require a deposit and can help you build credit over time.

Monitor your credit✨

Credit repair companies can monitor your credit report for changes and alert you to any potential fraud or identity theft. This can help you stay on top of your credit score and catch any issues before they become a major problem.

Provide ongoing support✨

Credit repair companies can provide ongoing support and advice as you work to improve your credit. This can include regular check-ins to review your progress and make sure you're on track to achieve your credit goals.

Integrations

We communicate your way.

Are you ready to unlock a world of financial opportunities?

Our proven credit repair services have helped countless individuals achieve remarkable credit score improvements, paving the way for homeownership, lower interest rates, and increased financial freedom.

On average, our clients see a 50-165 point increase on their credit score in just 1-6 months! We are confident we can give anyone this

The credit system is flawed, and nearly 79% of all reports have errors that can lower your score. But you have rights and we know how to use them to your benefit!

The law gives you the right to dispute any item on your credit report and if those items cannot be verified, they must be removed.

So we send personalized dispute letters to the bureaus on your behalf.

If they can't prove it, they must remove it! And we are very good at this!

Hi Chris 👋🏼I got the Property Manager position🙏🏽🎉 Thank you Jesus 🙌🏼I am thinking about getting the Amazon visa that you suggested but also a Costco credit card since I will probably be purchasing TV or furniture from there as well. what do you think? And is there any tricks to getting bigger credit line??Thanks in advance.

Marrisa T.

Chris, I just wanted to say thank you !!! Today I received this notification that a repo has been removed and so was the balance from my credit report it boosted my credit up 33 points Im very glad I went thru with the decision to fix my credit thru Montx!!! This is a blessing to my family and another step closer to be able to refinance our house for a lower rate. Thank you Chris!!! God Bless!!

Eric A.

FAQ's 🙋‍♂️

1. What is credit repair, and how does it work?

Credit repair is the process of improving an individual's credit score by addressing and resolving inaccuracies, errors, or outdated information on their credit report. Credit repair companies review credit reports, identify negative items, and then dispute them with the credit bureaus on behalf of the customer.

2. Can credit repair companies really improve my credit score?

Credit repair companies can assist in resolving errors and inaccuracies on your credit report, which may lead to an improvement in your credit score. However, the extent of the improvement will depend on the specific situation and the accuracy of the negative items disputed.

3. How long does the credit repair process typically take?

The credit repair process duration can vary depending on the complexity of the individual's credit report and the number of items that need to be disputed. It can take anywhere from a few weeks to several months.

4. What kind of negative items can be removed from my credit report?

Credit repair companies can typically assist with removing inaccuracies, such as incorrect late payments, duplicate accounts, inaccurate balances, charge-offs, bankruptcies, student loans, auto-repossessions, foreclosures, hard-inquiry, and outdated information from your credit report.

5. Is credit repair legal?

Yes, credit repair is legal. The Fair Credit Reporting Act (FCRA) protects consumers' rights to dispute inaccurate information on their credit reports.

6. How much does credit repair cost, and what are the payment options?

Credit repair costs can vary among companies. Some companies charge a one-time fee, while others have monthly payment options. It's essential to inquire about pricing and understand the services included in the package. We strive for affordability and always have monthly specials.

7. Are there any guarantees that my credit score will improve?

Legitimate credit repair companies do not guarantee specific outcomes or credit score improvements. Results may vary based on individual credit history and the accuracy of the information disputed. However, we do guarantee we will do our best to help you achieve your credit goals and desired outcome.

8. Can I repair my credit on my own, or do I need professional help?

You have the option to attempt credit repair on your own, but it can be complex and time-consuming. Credit repair companies offer expertise and experience in handling credit disputes.

9. Will my credit score be negatively affected during the credit repair process?

The credit repair process itself should not negatively impact your credit score. However, if accurate negative items are removed, there could be a temporary change in your score.

10. How will you communicate with me during the credit repair process?

Reputable credit repair companies will provide regular updates on your progress through various channels, such as email, phone calls, or an online portal. We are available during business hours 9am-7pm Monday through Friday and frequently after hours via text here (626) 609-7230.

11. What information and documents do I need to provide for the credit repair process?

You'll need to provide identification documents and any relevant information about the inaccurate items on your credit report.

Valid driver's license

Social Security card

Pay stub

W2 form

1099 form

Court documents for legal name change

Birth certificate

Passport

Marriage certificate

Divorce decree

State ID

Military ID

AND one item to validate address such as:

Valid driver's license

Utility bill with the correct address (gas, water, cable, residential phone bill)

Cell phone bill

Pay stub

W2 form 1099 form

Rental lease agreement/house deed

Mortgage statement

Bank statement

State ID

12. Are there any potential risks or drawbacks to credit repair?

There are some potential risks, such as false promises, scams, or unethical practices from disreputable credit repair companies. It's essential to research and choose a trustworthy company.

13. Can credit repair help me qualify for better loan terms and interest rates?

Improving your credit score through credit repair may increase your chances of qualifying for better loan terms and interest rates, but it's not guaranteed.

14. What sets your credit repair service apart from others in the market?

A reputable credit repair company should be able to explain what makes their services unique, such as their experience, success rate, customer reviews, or additional resources offered.

15. Do you have any success stories or testimonials from previous clients?

Legitimate credit repair companies often have success stories or testimonials from satisfied customers. Please follow us on Instagram and we are always referencing success stories of our clients credit score increases.

16. How can I track the progress of my credit repair journey?

We provide you with a client portal upon request and we give regular updates on the status of your credit disputes. You may also Track your progress at https://www.identityiq.com/creditpreferred.aspx?offercode=431279CU

17. Will credit repair help me remove legitimate negative items from my credit report?

Credit repair companies should only dispute inaccurate or unverifiable items on your credit report. They should not attempt to remove legitimate negative items.

18. Can credit repair help me build positive credit history?

We focus on resolving inaccuracies unverified accounts which will indirectly help you build positive credit history by ensuring your credit report reflects accurate information. We also have a list of credit building credit cards upon request.

19. What happens if I'm not satisfied with the results of the credit repair process?

Please let us know if you are dissatisfied and we will find other measures to resolve the matter quickly if for whatever ever reason we couldn't resolve the issue after we we may be able to help you other ways. There is always a way for credit scores and credit reports to get corrected.

20. Are there any additional services or resources offered to help me maintain a good credit score after the repair process?

We offer credit education resources, financial coaching, or tools to help you maintain a good credit score after the credit repair process is complete.