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Business Owner

Fix Your Credit.
Rebuild Your Future.

Professional credit repair services designed to help you improve your credit score, remove inaccurate items, and regain financial confidence.

Current Estimated Credit Score
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Why choose CR 101?

Experience You Can Trust

Our team understands credit laws, bureau procedures, and effective dispute strategies.

100% Transparent Process

No hidden fees. No false promises. You’ll always know what’s happening with your credit.

Client-Focused Results

We don’t use one-size-fits-all tactics. Every plan is customized for your goals.

FCRA & CROA Compliant

We operate fully within federal regulations to protect your rights.

Our Process

Our Process

1

Get Your Credit Reports

You need to know what’s hurting your credit.

  • Pull reports from Equifax, Experian, and TransUnion

  • You’re entitled to free reports weekly at AnnualCreditReport.com

 Review each report carefully—errors are common.

2

Identify Problems

Look for:

  • Incorrect personal info

  • Accounts that aren’t yours

  • Late payments reported incorrectly

  • Duplicate accounts

  • Old debts that should’ve fallen off (usually after 7 years)

3

Dispute Errors

If something is inaccurate:

  • Dispute online, by mail, or through the bureau’s app

  • Provide proof (statements, receipts, letters)

  • Credit bureaus have 30 days to investigate

 If they can’t verify it, it must be removed.

4

Address Legitimate Negative Items

For real debts:

  • Pay down balances (credit utilization should be under 30%, ideally under 10%)

  • Ask for a pay-for-delete (some collectors agree)

  • Request goodwill letters for late payments if you now pay on time

  • Settle collections if full payment isn’t possible

5

Build Positive Credit

Critical for long-term improvement:

  • Pay all bills on time (payment history = ~35% of your score)

  • Keep old accounts open

  • Use credit lightly and consistently

  • Consider:

    • Secured credit cards

    • Credit builder loans

    • Authorized user status (on a well-managed account)

Expertise in Numbers

14

Years of Experience

1000+

Satisfied Clients

98%

Success Rate

3

Credit Bureaus Monitored

About Us

Our Mission

Dedicated Team

At Credit Repair 101, our dedicated team combines extensive industry expertise with a client-centric approach to make your credit repair journey seamless. From the initial consultation to achieving your credit score goals, we are committed to understanding your unique needs and providing customized solutions.


With a focus on clear communication, personalized guidance, and unwavering support, we strive to empower every client to revitalize their credit score with confidence and ease. 

Frequently Asked Questions

FAQ
Frequently Asked Questions

HAVE MORE QUESTIONS?

SUCCESS STORIES

"Thanks to Credit Repair 101, my credit score improved significantly, and I felt supported throughout the process."

Emily Davis
Credit Repair 101 Client

OUR NETWORK

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Contact

Credit Repair 101

Client Support Chat

​support@credit-repair101.com

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GET IN TOUCH

Let’s Get Started

Current Estimated Credit Score
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