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Improve Your Credit Now

What you will get:

  • ​​Clean up your past

    We work with the credit bureaus and your creditors to challenge the negative report items that affect your credit score.

  • Track your present

    Easy access to your account 24/7 for live status updates on improvements on your credit reports and scores.​

  • Change your future

    We’ll maximize your score so you can achieve your goals and learn how to maintain your awesome credit long after our work is done.​

Let's improve your credit score.

Let's improve your
credit score.

You will get:
​FREE credit consultation

FREE in-depth credit analysis

FREE credit recommendations



How does credit repair actually work?

Credit Repair is actually the process of removing inaccurate, unfounded, out of date, false, and erroneous information from your credit report.  Your credit report dictates your credit score.  The 3 major credit bureaus collect information from lenders, creditors, and debt collectors and apply it to your credit report.  Based on that information, your credit score is determined.  This information could include the balances on loans or credit cards, credit inquiries, debt to income ratio, and most importantly, credit utilization (the percentage of debt you have to available credit)

How long do negative items stay on credit report?

It's a common myth that negative items must remain on your credit report for a minimum number of years. In fact, there is no minimum timeframe. Creditors control the information they provide to the credit bureaus. They can also choose to remove negative items as well. The Fair Credit Reporting Act requires all reported information to be fair, accurate, and substantiated. If these conditions are not met, the credit bureaus are required to remove it. In the case of factual information, the following represents the maximum time limits attached to each. Once these limits lapse, the credit bureaus must remove them from your credit report.

Maximum Limits

Two Years


Seven Years

Civil suits, civil judgments, and records of arrest (foreclosures, child support, and small claims) will remain for seven years, or until the governing statute of limitation has expired, whichever comes first.Paid tax liensCollection accountsAdverse items of information (excluding records of convictions of crimes)Closed accounts from day of reported closing if delinquencies existLate paymentsCharge offsPaid student loan defaultLost credit card incidences, if there is a delinquency

Ten Years

Bankruptcy (Chapters 7, 11, 12, and 13)


Unpaid tax liens, unless a state law exists with greater consumer protectionsUnpaid federal student loansCriminal convictions

Credit reporting is never cut-and-dry. While a collection account can remain on your credit report for up to seven years, a goodwill intervention, debt validation, or other credit repair strategy could produce a drastic change.We at 800creditbooster.com  assess every piece of credit report information and carefully determine the best way to manage it. Allow our expertise to work for you.

What Are The Three Credit Bureaus?

A credit bureau - sometimes called a "consumer reporting agency" - is a business that collects relevant consumer information from creditors and courthouses, and then sells that information to interested parties such as potential lenders. Such information is sold in the form of a credit report. In the U.S., the three major credit bureaus are TransUnion, Experian, and Equifax.

Information found within credit reports are often distilled into a "credit score," and it is now this score that most often determines whether a consumer will acquire a loan. Before credit scores became widely used, potential lenders interviewed consumers directly in order to gauge their creditworthiness. This method was time consuming, sometimes unreliable, and often prejudicial. Eventually, lenders began utilizing the scored credit reports in order to assist them in making more impartial lending decisions.

However, credit bureaus have been around for much longer than credit scores which only became prevalent during the 1960s:

TransUnion: Founded early in the 20th century in Chicago, IL by a railway car manufacturing company as northern Illinois's local credit bureau, TransUnion is now owned by private equity firms, Advent International and Goldman Sachs Capital Partners. The credit bureau operates 250 offices in 25 countries.

Experian: In 1970, a company called TRW created a credit bureau that within a few years had become the industry's largest player in the United States. Later merging with competing credit bureau, Chilton, it was purchased in 1980 by GUS plc, a retail group in Great Britain, and was soon renamed Experian. The company is still the largest credit bureau in the world, employing more than 17,000 people in 41 countries.

Equifax: As the oldest credit bureau in the United States, Equifax was founded in Atlanta, GA in 1899. Originally named Retail Credit Company, Equifax's business grew quickly, spanning across the U.S. and parts of Canada by the 1920's. Currently, the company employs over 7,000 people in 14 countries.

Common Factors

Information. The credit bureaus produce their own credit reports for every adult consumer using the same types of information, including:

Personal - Your full name, Social Security Number (SSN), address, birthday, current and past employersPublic - Information of public record such as tax liens, bankruptcies, judgments, etc.Credit and account information-A list of current and previous accounts, creditors, account activation dates, credit limits, payment history, and monthly amounts.Inquiries - A list of people and/or businesses who have requested access to your credit report.

Mistakes. No one is perfect, not even the credit bureaus. The Big Three are sometimes guilty of reporting inaccurate and false information on consumer credit reports. More often that not, the real culprit are the information providers - mostly creditors and courthouses - who must meet three tough standards for fairness, accuracy, and substantiation before reporting information about you to the bureaus.

Governing laws. Contrary to popular belief, the credit bureaus are not government agencies. In fact, as highly regulated companies, the bureaus are all subject to regulation by the Federal Trade Commission (FTC) and applicable consumer protection statutes. Consequently, you have the right to view and challenge the information found on each of your credit reports, regardless of who supplies them.


Information. Yes, information is regarded as a credit bureau similarity and difference. Why? Creditors often develop relationships with a specific bureau, choosing to report information to them exclusively. The result? An account that appears on your TransUnion report, for example, may be missing from your Experian report.

Credit scoring systems. Each credit bureau licenses slightly different credit scoring algorithms from the FICO Corporation. Those are the scores that are almost always shown to potential lenders. Complicating matters, however, each of the bureaus also produces a non-licensed (i.e., "less expensive") internal score that they often provide to consumers. If you've ever been frustrated by scoring differences across the three credit bureaus, the culprit could be a simple difference in mathematics.

The credit bureaus are filled with commonalities and conflicts, making it difficult to decipher how to improve your credit score across all three. 

Can you remove anything from my credit report?

We can only fight to remove any items that fall under the guidelines of the FCRA (www.ftc.gov/os/statutes/031224fcra.pdf).  These are items that should be removed due to being inaccurate, unfounded, out of date, false and/or erroneous. 

How long does it take to repair my credit?

While we try to remove inaccurate, unfounded, out of date, false, and erroneous information as quickly as possible, it is impossible to give an exact timeline as each case is different.  The more items we are fighting to remove, the longer it might take.  A general timeline is between 3-6 months, though sometimes it may take a bit longer or even shorter timeframe.  Ask your sales representative about our priority service that can potentially reduce the repair time needed.

Do you have a Referral Program?

A. Yes, please contact Info@800creditbooster.com  or click here for more  details.  Terms and Conditions Apply.  

What items can you help me to remove and improve?

With our assistance and document processing, our clients have had great success with bankruptcies, foreclosures, collections, charge-offs, repossessions, medical bills, credit card debt, inquiries, late payments, old addresses, judgments, tax liens and student loans.