Inaccurate, unfair, or unsubstantiated items on your credit report?

REPAIR YOUR CREDIT WITH

THE EXPERTS!

We help improve your credit by removing the incorrect or negative reports holding back your credit scores.

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HOW WE CAN HELP YOU

We Help Improve Your Credit 
Scores
By Removing:

Collections Accounts

In cases where an account becomes severely delinquent, the creditor may choose to handle it by either transferring the account to an internal collection department or selling the debt to a collection agency. When the account is sold to a collection agency, it can be reported as a distinct collection account on your credit report. It’s important to note that collection accounts carry substantial negative consequences for your credit scores. They can have a detrimental impact on your overall creditworthiness and make it more challenging to secure favorable credit terms in the future. It’s crucial to address collection accounts promptly and explore potential options to resolve them and mitigate their adverse effects on your credit profile.

                Repossessions

Repossession is highly detrimental to your credit score and can have long-lasting negative effects on your financial situation. It begins with late payments that harm your credit score when reported to the credit bureaus. Furthermore, the repossession itself is documented in the public records section of your credit report, compounding the negative impact.

Charge offs

A charge-off occurs when a creditor stops pursuing the collection of a debt after several months of missed payments. This can apply to various types of debts, such as credit cards or mortgages. When a creditor considers the debt to be a loss, they may label it as “charged off.” However, it’s important to note that you are still responsible for repaying the debt, even after it has been charged off. The charge-off status can remain on your credit reports for up to seven years from the date of your initial missed payment. It’s crucial to address the charged-off debt and work towards resolving it, as it can have a significant impact on your credit history and creditworthiness.

Late payments

Creditors generally provide a 30-day grace period before reporting late payments to the Credit Bureaus. This timeframe allows for potential disputes based on inaccuracies, such as the reporting date. Additionally, you have the option to request a Goodwill Courtesy Removal, which is a request made to the internal collection department to remove the negative information from your credit report as an act of goodwill. However, if the debt is sold to a collection agency, it can result in a separate collection account being reported on your credit report. Collection accounts have a substantial adverse effect on your credit scores. It’s important to be aware of these consequences and take appropriate action to mitigate any negative impact on your creditworthiness.

Hard Inquiries

Hard inquiries can have detrimental effects on your credit score, typically resulting in a slight decrease for borrowers. These inquiries can persist on your credit report for up to two years. If numerous hard credit inquiries occur within a brief timeframe, lenders may interpret it as an effort to significantly increase available credit, which raises concerns regarding risk. Fortunately, there are potential strategies to address this issue. One option is to dispute any inaccuracies associated with the inquiries, while another possibility is to request a Goodwill Courtesy Removal. By pursuing these avenues, you may mitigate the negative impact of hard inquiries on your credit score.

Student Loans And More!

Various financial setbacks can significantly impact your credit profile. These include foreclosures, short sales, bankruptcies, tax liens, repossessions, judgments, and other personal circumstances. Each of these events can have a lasting negative effect on your credit history and credit score. It’s crucial to be aware of the potential consequences and take appropriate steps to address and resolve these situations to minimize their impact on your overall creditworthiness. Seeking professional advice and exploring available options can help you navigate through these challenging circumstances.
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Our Money Back Guarantee

We stand behind our services and provide a risk free refund policy to all of our clients. No one in our business can accurately predict a specific outcome, but we can promise to do everything possible to maximize the probability of outstanding results. When you enroll with us, you can expect quality, professional service before, during and even after your enrollment. We work fast to setup your account and you will only be billed a one-time setup fee upfront before we begin restoring your credit. We will partially refund for whatever we are not able to remove after we have worked on your reports for a full 6 months. In the unlikely event are unsatisfied with the end result, you may request a refund in writing.
 
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SAVE WITH OUR PRICING PACKAGES

Credit Repair
Made Affordable

Other Credit Repair companies charge an average of $300 per deleted item, which can become expensive quickly, considering the average credit report has 11 items that could be removed. We made it affordable by providing UNLIMITED challenges and deletions for a fraction of the cost.

$199.99/m

$299.99 Enrollment Fee

Gold Credit Repair Plan

$0

$1,499.99 Enrollment Fee
Platinum Credit Repair Plan
  • Credit Education Course
  • Compliance Based Disputes
  • Includes Credit Monitoring
  • Client Portal To Track Your Credit Report Updates
  • 6-Month Money Back Guarantee
  • Cancel Anytime
  • Free Consultation
  • Free Credit Analysis
  • Email, Text & Phone Support
  • Credit Building
  • Most Powerful & Aggressive Challenge Letters
  • Challenging All Derogatory Information On Your Credit Profile
  • No Templates
  • Suppression’s
  • Certified Letters
  • Personalized Dispute Strategy
  • Unlimited Derogatory Challenges
  • Includes Credit Inquires Clean Up
  • Includes 21-Day Challenges
  • Monthly Zoom Updates
  • 30 Day Credit Repair Program Process Report
  • Credit Education Course
  • Compliance Based Disputes
  • Includes Credit Monitoring
  • Client Portal To Track Your Credit Report Updates
  • 6-Month Money Back Guarantee
  • Cancel Anytime
  • Free Consultation
  • Free Credit Analysis
  • Email, Text & Phone Support
  • Credit Building
  • Most Powerful & Aggressive Challenge Letters
  • Challenging All Derogatory Information On Your Credit Profile
  • No Templates
  • Suppression’s
  • Certified Letters
  • Personalized Dispute Strategy
  • No Monthly Fees
  • Unlimited Derogatory Challenges
  • Includes Credit Inquires Clean Up
  • Includes 21-Day Challenges
  • Monthly Zoom Updates
  • 30 Day Credit Repair Program Process Report
Click here
Click here

$169.99/m

199.99 Enrollment Fee
Silver Credit Repair Plan
$249/m
$1,499.99 Enrollment Fee
Platinum Credit Repair Plan
  • Credit Education Course
  • Compliance Based Disputes
  • Includes Credit Monitoring
  • Client Portal To Track Your Credit Report Updates
  • 6-Month Money Back Guarantee
  • Cancel Anytime
  • Free Consultation
  • Free Credit Analysis
  • Email, Text & Phone Support
  • Credit Building
  • Most Powerful & Aggressive Challenge Letters
  • Challenging All Derogatory Information On Your Credit Profile
  • No Templates
  • Suppression’s
  • Certified Letters
  • Personalized Dispute Strategy
  • Unlimited Derogatory Challenges
  • Includes Credit Inquires Clean Up
  • Includes 21-Day Challenges
  • Monthly Zoom Updates
  • 30 Day Credit Repair Program Process Report
  • Credit Education Course
  • Compliance Based Disputes
  • Includes Credit Monitoring
  • Client Portal To Track Your Credit Report Updates
  • 6-Month Money Back Guarantee
  • Cancel Anytime
  • Free Consultation
  • Free Credit Analysis
  • Email, Text & Phone Support
  • Credit Building
  • Most Powerful & Aggressive Challenge Letters
  • Challenging All Derogatory Information On Your Credit Profile
  • No Templates
  • Suppression’s
  • Certified Letters
  • Personalized Dispute Strategy
  • No Monthly Fees
  • Unlimited Derogatory Challenges
  • Includes Credit Inquires Clean Up
  • Includes 21-Day Challenges
  • Monthly Zoom Updates
  • 30 Day Credit Repair Program Process Report
Click here
Click here
WHAT PEOPLE ARE SAYING

Happy Clients
Every Day

Good morning! I want to express my gratitude for your help in my daughter Vanessa Braham's credit improvement journey. Even though I didn't need your services, I wanted to personally thank you for referring me to Eddie Holt. My closing date is set for May 24, and I am thrilled about this milestone. Thank you once again for your assistance; you are a true blessing. May your business continue to flourish as you allow God to work through you.
John Doe
John DoeCEO
Good morning! I sincerely appreciate your help with Vanessa Braham's credit improvement. Although I didn't need your services, I'm grateful for referring me to Eddie Holt. Exciting news: my closing date is May 24! Thank you again for your assistance. You are a true blessing. May your business thrive as you let God work through you.
peter Lovelance
peter LovelanceCEO
The service provided was outstanding! The prompt, professional, and knowledgeable consultant offered valuable feedback. I'm grateful for the guidance and support received and will definitely recommend this service to others.
Willian Jcob
Willian JcobCEO
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IMPROVE YOUR CREDIT SCORE

Searching for a First-Class Credit Repair Company?

Book An appointment Now

Frequently Asked Questions

Yesterday! That answer really depends on your personal goals. Whatever your personal credit and financial goals are, it’s important to remember that credit repair is not an overnight “quick-fix” and takes time. Many people can start to see an increase in their score in as little as 30 days but the process of going from bad credit to good credit typically takes much longer. Your score didn’t get bad overnight and it doesn’t improve that way either.

Credit affects every area of life. When your credit is bad, it follows that your life may face similar hardships in the areas of.

Make no mistake-bad credit comes at a cost. Credit affects every area of your life, from your ability to buy a house to the way potential employers view your application. Those living with bad credit understand the disputes it causes.

There is no fast and easy answer to this question. The time it takes to repair your credit is completely dependent upon your personal situation.

We are here for you throughout your credit-repair experience. You can always email us with any questions you have. We’ll get back to you promptly so that you can always keep moving forward.

Checking your own credit report won’t hurt your scores. Credit inquiries are defined as either hard or soft inquiries. Reviewing your own credit report is considered a soft inquiry, and soft inquiries don’t hurt your scores. Checking your credit report at least once a year allows you to identify any mistakes and helps you manage your personal finances.

Understanding the components that makeup credit scores can help you wisely manage your credit decisions. To see how it all breaks down, here’s an example of how scores are calculated with a popular algorithm. Your payment history makes up 35% of your score, while the amount you owe lenders represents 30%. The length of your credit history contributes 15%, and the types of credit accounts you maintain comprise 10%. Finally, new credit accounts are responsible for 10%. All of these values are then broken down into a credit score, which ranges between 300 and 850—the higher the number the better.

Next Step Credit

Our Mission

Our mission at Next Step Credit Repair is to set your future up for success. Our goal is to help others repair their credit history at an affordable price, therefore giving our clients a fresh new head start on life. Our clients are real people with real problems and we provide real solutions through our step by step process tailored to each individuals needs.
 
 
OUR LOCATIONS

Where to meet us

1236 Main St Brandford CT 06405

Shizzy@lvlupcreditrepairs.com

203-5560492

GET IN TOUCH

NEXT STEP CREDIT SOCIAL LINK

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a

When is the best time to start your service?

Yesterday! That answer really depends on your personal goals. Whatever your personal credit and financial goals are, it’s important to remember that credit repair is not an overnight “quick-fix” and takes time. Many people can start to see an increase in their score in as little as 30 days but the process of going from bad credit to good credit typically takes much longer. Your score didn’t get bad overnight and it doesn’t improve that way either.

a

Why is credit so important?

Credit affects every area of life. When your credit is bad, it follows that your life may face similar hardships in the areas of.

a

How much does credit repair cost?

Make no mistake-bad credit comes at a cost. Credit affects every area of your life, from your ability to buy a house to the way potential employers view your application. Those living with bad credit understand the disputes it causes.

a

How long does it take to fix bad credit?

There is no fast and easy answer to this question. The time it takes to repair your credit is completely dependent upon your personal situation.

a

How do we communicate with you?

We are here for you throughout your credit-repair experience. You can always email us with any questions you have. We’ll get back to you promptly so that you can always keep moving forward.

a

What are the 3 credit bureaus?

Checking your own credit report won’t hurt your scores. Credit inquiries are defined as either hard or soft inquiries. Reviewing your own credit report is considered a soft inquiry, and soft inquiries don’t hurt your scores. Checking your credit report at least once a year allows you to identify any mistakes and helps you manage your personal finances.

a

How is my credit score calculated?

Understanding the components that makeup credit scores can help you wisely manage your credit decisions. To see how it all breaks down, here’s an example of how scores are calculated with a popular algorithm. Your payment history makes up 35% of your score, while the amount you owe lenders represents 30%. The length of your credit history contributes 15%, and the types of credit accounts you maintain comprise 10%. Finally, new credit accounts are responsible for 10%. All of these values are then broken down into a credit score, which ranges between 300 and 850—the higher the number the better.

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