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Repair, Build and Educate

According to the FTC 79% of credit reports contained an error.  Let us help you identify and remove those errors!

credit repair 7

We’re here to help

Repair, Build and Educate.

According to the FTC 79% of credit reports contained an error.  Let us help you identify and remove those errors. Learn more


Knowing the importance between Vantage and FICO Models could mean the difference between scores being off by 100+ points in either direction.

Credit Karma

How accurate is my Cedit Karma score?

Credit Karma uses the Vantage 3.0 scoring model and although the system is accurate, it’s not the industry standard. Credit Karma works fine for the average consumer, but the companies that will approve or deny your application are more likely to look at your FICO score.


Fico® score

Why is my FICO score different than Credit Karma?

Unlike Credit Karma, FICO formerly (Fair Isaac Corporation) has its own system. 90% of top lenders use FICO Scores. When you apply for credit — whether for a credit card, an auto loan or a mortgage—lenders want to know what risk they’d take by loaning money.

What is a Bad Credit Score?

Typically a bad credit score means you haven’t paid your credit and other obligations on time, or haven’t paid them at all. A Credit Score below 650 is considered bad. Credit Scores are calculated by a mathematical  algorithm that produces your overall FICO® score. FICO® score is what lenders rely to determined your credit worthiness, range of interest, and thus can approve, or deny credit/loan applications.The good news is that Bad credit doesn’t have to follow you forever.

the process

Here's how it works

Let us help Repair your Credit In
3 Easy Steps

Fill out our form to request a free credit evaluation. We’ll help you choose the best plan to start your credit repair. Click here to start

We take an in-depth look at your credit report and make note of all negative remarks that are impacting your score. We help you identify inconsistent and potential erroneous information.

Once we’ve identify all derogatory information, we begin the process of challenging each credit agency, collectors and creditors to remove negative information from your report.

While we wait for your results usually 30-45 days, we send you valuable information on best practices to establish in order to maintain a healthy credit score/report.


An investment to Rebuilding your future!

NYCHA Residents -

In an effort to support those in the NYCHA communities we are offering a 15% discount to new customers who sign up with us.
All New York City Housing Authority (NYCHA) residents 18 years and older are eligible for a discounted membership. For more information please click here.


Most frequent questions and answers

Credit repair is legal in all 50 states under these Federal Laws – Fair Credit Reporting Act(FCRA) and the Credit Repair Organization Act(CROA). These laws grants you the right to authorize a qualified third party to make disputes on your behalf.

There is no fast and easy answer to this question. On average it can take anywhere between 30-90 days to see improvements. Please keep in mind that the time it takes to repair your credit is completely dependent upon your personal situation. In that regard, we value each member’s unique situation and provide a customized Action Plan to suit every members needs.

Do not apply for new credit! Each time you apply for new credit, you’ll end up with a hard inquiry which will lower your score. New lines of credit will also lower your average age of history which can possibly lower your score. Keep your credit utilization as low as possible until the next credit scoring cycle.

While bad credit does limit your borrowing options, it may still be possible to find a loan with bad credit . However, the question remains, is a bad credit loan worth the disadvantages it carries.

Yes, If we’re unable to remove, fix or correct any of the erroneous, obsolete or unverifiable items on your behalf in 90 consecutive days (3 months) from the day you start our program, we will refund 100% of your payments.

If a creditor wishes to reinsert a negative item into an individual’s credit file, it must certify that the information to be reinserted is correct and complete. In addition, the credit bureau planning to allow the reinsertion must inform the consumer within five days of any changes being made to the individual’s credit file

The fact is there’s no quick fix for creditworthiness. We can help improve your credit report legitimately, but it takes time, and a conscious effort.

Your level of participation includes but not limited to:

  1. Keeping us inform with any correspondence you receive
  2. Paying all credit cards and any revolving credit/loans down and on time
  3. Do not close accounts
  4. Avoid applying for new credit

Do not close your old credit card accounts. 
Old established accounts show your history, and tell about your stability and paying habits. If you have old credit card accounts that you want to stop using, just cut up the cards or keep them in a drawer, but keep the accounts open.

Since work is performed 24-48 hours after sign up, your first Bill will be due on the 3rd day after sign up. Depending on the day it falls on, the cycle will continue 30 days after your first initial charge.

To cancel your plan please send us an email to support@credit-elite.com

For  a list of Authorize FICO Score Retailers click here

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