Professional Credit Repair
Credit Problems? Let's Find Out What Can Be Addressed.
We review your complete three-bureau credit profile, identify potential reporting issues, and provide professional credit repair assistance where appropriate — with ongoing analysis and follow-up throughout the process.
Get StartedThree-Bureau Review
Credit Repair Assistance
Ongoing Follow-Up
Personalized Analysis
Your Credit. Fully Reviewed.
3 BUREAUS
Complete Credit Analysis
We look beyond the score and review the actual information being reported.
Identify Reporting Concerns
Potential inaccuracies, inconsistencies and other issues are identified for review.
Appropriate Dispute Assistance
Where warranted, we assist with addressing information you believe may be inaccurate or incomplete.
Follow-Up & Review
We review responses and updated reports as the process continues.
20+ Years
Credit Experience
3 Bureaus
Comprehensive Review
Personalized
Not One-Size-Fits-All
Ongoing
Review & Follow-Up
What We Review
Your Credit Report Is More Than a Score
We examine the information appearing across your credit reports to understand what may be affecting your overall credit profile and what may warrant further review.
Late Payments
Review payment-history reporting and differences appearing across the bureaus.
Collections
Examine collection accounts and how information is being reported.
Charge-Offs
Review account status, balances and reporting history.
Reporting Discrepancies
Compare information appearing differently between credit bureaus.
Account Balances
Review reported balances, limits and account information.
Duplicate Information
Identify information that may appear to be reported more than once.
Unfamiliar Accounts
Identify accounts or activity that may require additional investigation.
Overall Credit Factors
Understand utilization, inquiries, account age and other important factors.
How It Works
A Complete Credit Repair Process
We don't begin by blindly sending letters. We begin by understanding what is actually appearing on your reports.
1
Analyze
We review your complete three-bureau credit profile.
2
Identify
We identify potential reporting concerns and areas requiring attention.
3
Address
Where appropriate, we provide credit-report dispute assistance.
4
Follow Up
We review responses and updated reports as the process continues.
Why Credit Optimize
Credit Repair Should Start With Understanding Your Credit.
Credit reports can contain dozens of accounts, years of payment history and information reported differently across multiple bureaus. That's why our process begins with a comprehensive review.
✓
Individual Credit Review
Your credit profile is reviewed based on your specific report.
✓
More Than Dispute Letters
We analyze the entire credit picture rather than focusing only on negative accounts.
✓
Ongoing Review
Updated reports and responses are reviewed throughout the process.
✓
Credit Education Included
Understand the factors affecting your credit while the process is underway.
20+
Years of Credit Experience
Credit Optimize brings decades of experience reviewing consumer credit reports and helping consumers understand complex credit situations. Our approach combines that experience with detailed three-bureau analysis and a structured credit repair process.
Program Pricing
Complete Credit Repair Program
Our program combines comprehensive three-bureau credit analysis, appropriate credit repair assistance, ongoing report review, follow-up and personalized credit education.
Complete service terms and consumer disclosures are provided in the written service agreement before services begin.
Get Started
Ready to Begin?
Submit your contact information and we'll send you the required documents and contact you to arrange your consultation.
What Happens Next
A Simple Start.
Getting started doesn't require uploading your credit report or entering sensitive financial information here.
1
Request Documents
Submit your basic contact information.
2
Complete DocuSign
We'll send the required documents electronically.
3
Consultation
We'll contact you to arrange your consultation.
4
Credit Review
Your credit profile can then be reviewed in detail.
Credit Optimize does not guarantee the removal of any particular item,
any specific increase in a credit score, or approval for any loan or
financial product. Consumers have the right to dispute inaccurate
information appearing on their credit reports themselves without hiring
a credit repair organization. Complete consumer rights, service terms,
cancellation rights and disclosures are provided before services begin.
GET STARTED
Ready to Begin?
Submit your contact information and we'll send you the required documents and contact you to arrange your consultation.
What Happens Next
A Simple Start.
Getting started doesn't require uploading your credit report or entering sensitive financial information here.
1
Request Documents
Submit your basic contact information.
2
Complete DocuSign
We'll send the required documents electronically.
3
Consultation
We'll contact you to arrange your consultation.
4
Credit Review
Your credit profile can then be reviewed in detail.