Do I have to do anything?

We work together as a part of a team to get you the results that you desire. Deletions alone will not improve your credit score. Our main focus is a healthy report, a healthy report will lead to a healthy score. In addition to the work my team and I complete for you, you assist us by:

a) Not applying for any new credit anywhere

b) Pay all bills that report to your credit report on time every time

c) Not maxing out your credit card during the repair process regardless of if you pay in full every month

d) Email all documentation from bureaus and creditors to us within 5 days of receipt

e) Do not make any promises to collection agencies or creditors over the phone

f) Pay down your credit card balances to as low as possible. Keep your credit card balance lower than 10% (start with the card that has the smallest balance)

Credit Repair Solutions and
Services We Offer

looking to build business credit, repair your own credit, or want to learn how to build business credit?
We have a solution perfect for your credit needs.

Free Credit Repair Consultation

Get a free credit repair consultation from Upgrade Financial Services and take control of your financial future.

Do It Yourself Credit Repair Guide

Get the knowledge and tools you need to repair your own credit with Upgrade Financial Services' Do It Yourself Credit Repair Guide ebook.

Build Business Credit Course

Learn how to build and maintain a strong business credit profile with Upgrade Financial Services' Business Credit Course.

Credit Repair FAQ's

Find answers to common credit repair questions on Upgrade Financial Services' credit repair FAQ's page.