• Enhance Your Credit Report, Enrich Your Credit Score Now. We Use Industry Leading Tactics That Permanently Deletes Unwanted Items

    “Twenty years from now you will be more disappointed by the things that you didn’t do than by the ones you did do.”
    -Mark Twain

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Bad Credit Is Expensive

What Is A Good FICO Score?

One of the most well-known types of credit score are FICO Scores, created by the Fair Isaac Corporation. FICO Scores are used by many lenders, and often range from 300 to 850. Generally, a FICO Score above 670 is considered a good credit score on these models, and a score above 800 is usually perceived to be exceptional.

FICO’s 5 Credit Score Factors

  • Payment history   (35%)
  • Amounts Owed   (30%)
  • Length of credit history   (15%)
  • New credit   (10%)
  • Credit mix   (10%)

Why Having Great Credit Matters

Society is becoming increasingly dependent on using credit to make purchases and decisions.

These days, good credit is used for more than just getting a credit card or a loan.

More and more businesses are making the case that you must have good credit before they extend products or services to you.

  • It Affects Where You Live and How Much You Pay
  • It Affects What You Drive and Your Car Payment
  • It Can Affect Your Job Search
  • It Affects Your Ability to Start a Business
  • It Affects Other Monthly Bills

The Cost Of Bad Credit

Based on a $250,000 loan for 30 years

  • Credit Score
  • 720 & above
  • 700-719
  • 675-699
  • 620-674
  • 560-619
  • 500-559
  • Interest Rate
  • 5.9%
  • 6.3%
  • 6.6%
  • 7.6%
  • 8.5%
  • 9.4%
  • Monthly Payment
  • $1482.84
  • $1547.43
  • $1596.65
  • $1765.19
  • $1922.28
  • $2083.92
  • Interest Paid
  • $533,822
  • $557,074
  • $574,794
  • $634,468
  • $692,020
  • $750,211
  • Monthly Saved Over 30 Years
  • $216,389
  • $196,137
  • $175,417
  • $114,783
  • $62,020
  • $0.00

How It Works

Check

First, we analyze your credit reports and work with you to identify any questionable negative items hurting your score. We’ll build a custom game plan based on your unique situation.

Challenge

Next, we challenge the identified negatives with the bureaus and your creditors. If they can’t prove that the items are accurate, fair and substantiated, they are required by law to remove them.

Change

When a negative item is removed from your credit, we briefly celebrate (sometimes with cake). Then, we get back to work, tack- ling the other questionable items still on your reports.

  • Charge-Off Removals

  • Collection Removals

  • Inquiry Removals

  • Public Records Removals

  • Charge-Off Removals

  • Collection Removals

  • Inquiry Removals

  • Public Records Removals

Affiliate Partners

We Are a Customer-Focused, Results-Oriented Organization Committed to Developing Strong Relationships, Delivering Predictable Results and Teaching Innovative Credit and Credit Score Solutions. Contact now for affiliation inquires: support@credit101.com

Testimonial

Thanks for cleaning up my credit report. My credit score increased enough for me to qualify for a new car.

Wow using Credit101.com help me get into my FOREVER HOUSE, They helped me through the steps and it worked. My credit score is 100 points above from when I started

The process was smooth and I received my funds earlier. I would highly recommend Credit 101 to anyone looking for financial assistance.

Made me feel like a valued customer and I feel empowered to chart my own path after receiving funds through Credit 101

Thanks for cleaning up my credit report. My credit score increased enough for me to qualify for a new car.

Thanks for cleaning up my credit report. My credit score increased enough for me to qualify for a new car.

What you need to know about our testimonials

Our Credit Repair Services

Repair

Your Past

We work with the credit bureaus and your creditors to challenge the unfair or inaccurate negative report items that affect your credit score. We’ll ensure your credit history is up-to-date, accurate, and reflects you honestly. This can all help to fix your credit.

Monitor

Your Present

24/7 Credit Monitoring & Alerts powered by TransUnion keep you aware of the changes and updates on your report, and provide customized information and advice about how those reported items affect your score.

Build

Your Future

Our customized tools, educational approach, and proven technology guide you through the tasks and action items you need to take in order to maintain a healthy score and work toward the restoration of your credit.

Our Pricing

$400

Inquiry Removal for $400

Our inquiry removal service will remove all inquiries that are not associated with open active accounts.

$1000

Credit wipe for $1000

Our Credit Specialist will go to war for you, Disputing Negative reporting items that are on your credit report. These items include Charge-offs, Late payments, Collections, Student Loans, Child support and Bankruptcy.

Contact Us Now For More Services!