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Free analysis
We pull all three reports — Equifax, Experian, TransUnion — flag every negative item, and build your custom dispute strategy. No charge.
Day 0 · 30 minMembers have used their improved credit at
Simple, transparent, and stress-free. Here's exactly what to expect.
We pull all three reports — Equifax, Experian, TransUnion — flag every negative item, and build your custom dispute strategy. No charge.
Day 0 · 30 minOur specialists send legally-grounded dispute letters using FCRA & FDCPA leverage directly to bureaus and creditors. We track every response.
Days 1–90 · We do the workAs items are removed, your score rises. We coach you on building positive history and prepare you for the mortgage, car, or business funding you actually want.
Day 90+ · Your turn to winActual deletion reports and 3-bureau jumps from real Elite Credit members. Identifying details redacted; individual results vary.
*Individual results vary. These reflect unique experiences and are not a guarantee of similar outcomes.
Designed to put you in control of your financial future.
We pull and review all three of your credit reports — Equifax, Experian, and TransUnion — to identify every item that may be harming your score.
Professional dispute letters backed by federal consumer protection laws including the FCRA and FDCPA — sent to bureaus, creditors, and collection agencies.
Beyond removals: authorized user strategies, secured cards, credit mix, and utilization management — coached step by step.
Understand what lenders look for. We prepare your personal profile to maximize approval chances for mortgages, auto loans, and personal credit.
Establish your business credit profile — EIN, DUNS, Net-30 accounts, and Tier 1–3 tradelines — so your business can borrow separately from your personal credit.
If fraudulent or mixed accounts appear on your report, we guide you through the complete dispute and recovery process step by step.
Whether you're a startup or scaling, capital shouldn't be gatekept. Every application is strategized to maximize your total approval — never random shotgun submissions that destroy your profile.
If you've already paid a credit repair company and got nothing in return — you're not alone, and you're not stupid. This industry is full of bad actors. We built Elite Credit because of them.
Credit repair itself is always free. You can dispute items on your own credit report at any time, with any bureau, at no cost. That's federal law.
What your membership covers is unlimited expert consulting, custom dispute strategy, mailing fees, monthly credit audits, weekly coaching, the Secret Lenders List, the Bank Inquiry Database, and (on Gold & Platinum) aged high-limit tradelines you choose yourself.
Any company that hides this from you is already lying. We lead with it.
No fine print. No auto-renewal traps. Your 3-day right to cancel is federal law, respected without a fight.
One flat price. No per-item, per-round, or per-bureau billing. No nickel-and-diming.
You'll know your specialist by name. Registered U.S. business with verifiable ownership.
Real deletion screenshots, real before/after reports, and real member wins — not bought reviews.
No countdown timers. No fake scarcity. Take a day to think it over.
Some files aren't a fit. We'll say so on your free consultation and point you in the right direction.
One flat monthly rate. What you sign up for is what you pay. No upsells mid-service.
That's the right energy. Book a free consultation. Bring up the company that scammed you — we'll tell you exactly what they did wrong.
Book Free Consultation →Bad credit, no credit, denied for funding — it doesn't matter where you start. Our done-for-you system cleans, builds, and leverages your credit so you can access real money.
Foundational dispute coverage to clean up the most common credit issues.
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Expanded dispute coverage with full FCRA & FDCPA legal leverage.
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Fastest results with full legal leverage and dedicated advisor support.
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All memberships require an active credit monitoring service. Disputes and your monthly audit results are pulled directly from your monitoring reports across all 3 bureaus. We recommend SmartCredit — full 3-bureau access for $1 for the first 7 days, then $29/month. Cancel anytime.
Honest answers to the questions we hear most often.
Yes. You have the right under the Fair Credit Reporting Act (FCRA) to dispute any inaccurate, incomplete, or unverifiable information on your credit report. Elite Credit works strictly within federal law.
Most clients start seeing results within 30–90 days. However, every file is different. Results depend on the number and nature of items being disputed. We set realistic expectations from day one.
Membership pricing is structured as a one-time start fee plus a monthly fee while we work your file: Silver $299 start / $149 monthly (avg. 8 months), Gold $399 start / $199 monthly (avg. 6 months), Platinum $499 start / $249 monthly (avg. 3 months). All plans require an active credit monitoring service so we can pull your 3-bureau reports and measure progress. Cancel anytime — no long-term contracts.
No reputable company can legally guarantee specific score outcomes. What we can guarantee is that we will fight diligently on your behalf using every legal tool available. Results vary by individual.
We connect clients with lenders and 0% funding programs suited to their profile — including business lines of credit, SBA-backed programs, equipment financing, and more. Every application is strategized and stacked to maximize your total approval amount, not random submissions. We charge zero upfront fees — you only pay when you actually get funded.
Not necessarily. Some programs are available for clients with scores as low as 500, and others are based on business revenue, time in business, or other factors. We assess your full profile and match you with the best option.
We combine personalized service, legal expertise, and education. Our team uses full FCRA and FDCPA leverage to dispute items directly with bureaus, creditors, and collection agencies — and we layer on identity theft assistance, dedicated advisor support (Platinum), and a strategized 0% funding program once your file is clean. No contracts, cancel anytime.
A credit monitoring service is required for all members. Disputes and your monthly credit audit results are pulled directly from your 3-bureau monitoring reports (Equifax, Experian, TransUnion) — without it, our team cannot see your file, track changes, or measure progress. We recommend SmartCredit, which gives you full 3-bureau access for $1 for the first 7 days, then $29/month after the trial. You can cancel anytime directly through SmartCredit.
Silver covers the most common items: late payments, collections, charge-offs, hard inquiries, and personal information updates. Gold adds repossessions, bankruptcies, student loans, medical bills, and child support items, with full FCRA/FDCPA leverage. Platinum includes everything in Silver and Gold plus identity theft resolution, real-time monitoring alerts, and a dedicated credit advisor for the fastest possible turnaround (avg. 3 months).
Stop letting bad credit hold you back. Whether it's a house, a car, or building your business — it all starts with your credit.