At CredStart, we transform credit challenges into opportunities. Our expert team provides personalized strategies to elevate your credit profile and unlock financial freedom.
Years of experience in finance
Our comprehensive approach addresses charge-offs, late payments, bankruptcies, and more, ensuring a permanent boost to your credit score
Achieve rapid credit improvements with tailored plans designed to increase your score by up to 150 points in as little as 15 days.
Establish a robust financial foundation for your business with our expert corporate credit services, from registration to strategic portfolio building.
Safeguard your identity with our proactive monitoring and swift corrective measures, ensuring your personal information remains secure
We provide strategic credit-building solutions to help you establish and strengthen your credit profile. From advice to our hands-on credit building products we have you covered.
Our Debt Negotiation & Settlement Department specializes in reducing financial burdens by negotiating directly with past collectors, often settling debts for up to 80% off the original amount. If you’re facing a lawsuit or legal dispute, we work to arrange payments/settlements to help you avoid court proceedings. Additionally, we assist with structuring manageable payments for obligations such as child support and student loans.
Our process is designed to guide you every step of the way. From initial consultation to personalized strategy development.
Complete our quick online form to provide basic details about your credit goals. This helps us tailor the best strategy for you.
A CredStart financial analyst will reach out to discuss your current credit standing and create a customized improvement plan tailored to your needs.
Begin your journey toward better credit. In just 15 to 60 days, our expert strategies will help you improve your credit standing, giving you confidence and access to financial opportunities.
Years of experience in finance
At Credstart, we’re not just a credit repair company—we’re innovators in the industry. What sets us apart is that we’ve developed one of the only AI-driven credit repair software platforms on the market. Our cutting-edge technology streamlines the process, increasing efficiency and minimizing errors, while still allowing our experts to provide the personalized human interaction that clients need. By blending advanced automation with real expertise, we ensure a seamless, results-driven experience without losing the personal touch that makes all the difference.
Years of proven expertise
Individuals revitalizing their credit scores
People achieving homeownership
Traditional Credit Repair takes a comprehensive approach to addressing derogatory marks on your credit report. We analyze your credit history and work to remove charge-offs, late payments, bankruptcies, collections, and inquiries to improve your score over time.
The Score Booster Program is a strategic roadmap designed for rapid improvement, typically in 15 to 60 days. This program involves tradeline services, credit activity analysis, and a tailored qualification strategy to help you achieve a specific credit score goal, often in collaboration with brokers and lenders.
Credit Karma uses a generalized scoring model, which prioritizes different factors than traditional lenders and brokers. Many lenders use FICO scores, which weigh credit elements differently.
For the most accurate score, we recommend obtaining a report directly from your lender or requesting an official credit inquiry (though this may result in a small point deduction).
During the credit repair process, your score is influenced by updates, removals, and disputes, which can cause temporary fluctuations. Example:
Your score may increase by 100 points one week, drop by 80 points the next, and rise again by 85 points a few days later.
This is a normal part of credit restoration as the system recalibrates.
Rest assured, our team monitors these changes and will notify you when it's the right time to check your updated credit score.
While you can apply for new credit, we recommend waiting until your score stabilizes. Our credit analysts will guide you on the best timing to maximize approval odds and prevent unnecessary score fluctuations. Before applying for new credit, consult with your analyst to determine the best approach.
Once a negative item is successfully removed, it should not reappear. However, in rare cases: ● Duplicate reporting may occur (e.g., the same account being reported twice). ● If an account with the same balance and account number resurfaces, we will reassess it for complimentary removal (if you're actively engaged in our Credit Repair process). For clients in the Score Booster Program, the focus is on qualifying for a specific score goal—after which, any further changes are not monitored.
We work to remove inaccuracies, outdated information, and negative marks such as: ● Late payments ● Charge-offs ● Collections ● Bankruptcies ● Errors and outdated accounts Note: We cannot remove accurate and verifiable negative information from your credit report
Credit repair is the process of disputing errors, addressing inaccuracies, and improving your creditworthiness by ensuring your report reflects accurate financial history. Benefits of Credit Repair: ● Enhance your credit score to qualify for better loans and rates ● Remove errors and outdated items that may be harming your score ● Improve approval chances for mortgages, auto loans, and business financing At some point, everyone encounters the impact of their credit score. If you're looking to increase financial opportunities, reduce interest rates, or repair past credit mistakes, credit repair is a smart move.
CEO
Senior Credit Analyst
Senior Credit Analyst
Senior Credit Analyst
Senior Credit Analyst
Junior Credit Analyst
Junior Credit Analyst
Senior Credit Analyst
CEO
Senior Credit Analyst
Senior Credit Analyst
Senior Credit Analyst
Senior Credit Analyst
Senior Credit Analyst
Junior Credit Analyst
With over thousands of satisfied clients, our services have earned praise for reliability, personalized guidance, and impactful results.
"Thank you David Lopez of credit start for educating me about what really matters to the credit bureaus. With your help in guidance I raised my score to over 815. This was a huge jump based solely on the good guidance I received. I didn't realize that companies like American Express don't really hel…"
"I am beyond thankful I found Credstart! Getting my credit up in preparation for applying for home loans had been so stressful, but those who helped me here were so communicative any time I had questions and were extremely informative, so it really made the process a breeze. I finally see my credit …"
"David and his team under promise and over delivered. This process was by no means an over night turn of events. It required persistence and time. In over a year my credit has jumped over a 100 points and in the span of the last 2 years I have vehicles with incredible interests rates and a no limit"
