Our Services

We help access and review your credit score while analyzing your report in detail to provide a fully customized solution to improve your credit.

We are on a mission

We aim to help people improve their credit scores to achieve their financial goals.

Credit, credit ratings, and building credit can be frustrating challenges for many. Unfortunately, credit can seem frustrating. What seemingly takes months or years to build can fall apart rapidly with one late or missed payment. Once you find yourself in a credit-challenged situation, it can seem impossible to get loans, purchase items on credit, open new credit cards, or even get a new cellular phone. Most of our financial dealings revolve around credit. This is incredibly complicated for those who are new to credit or who have had credit struggles. A quick online search reveals hundreds of articles about building credit and credit repair. Additionally, there are multiple apps and online services dedicated to helping consumers build or rebuild their credit. But, how helpful are they? How does someone build (or rebuild) their credit? And how can a Credit Repair Company like Elevated Credit Repair help you achieve their credit goals?
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Elevated Credit Repair Services

How We Can Help

Building credit is not something many people think about until they need their credit to make something happen. Perhaps you want to buy a home or a car. Or maybe you are looking to apply for a new credit card. Other reasons you may want to build your credit involve learning that your credit isn’t what you hoped or thought it was. People often look for ways to build and improve upon their credit when they have struggled to be approved for a credit card or loan. Although there is no immediate fix to credit issues, there are things you can do to improve your credit. First, pay your bills on time. This may sound like a simple solution, but far too many people pay their bills a day or two late or a day beyond the grace period afforded by the lender. One of the primary things credit reporting agencies look at is payment history. In fact, your payment history is a significant part (approximately 35%) of your FICO score. Paying your bills on time shows you can manage debt which is helpful to your credit. Another way to build credit if you cannot get your own credit card is to become an authorized user on someone else’s card. As long as that individual pays their bills on time, their payment history will reflect on your credit report as well. In addition to being an authorized user, you may consider a secured credit card. Secured cards require cash deposits to open, and the deposits serve as both collateral and your credit limit. If you do not pay your bill, the card company can take your deposit to cover your expenses. In time with good payment history, some companies may transition your account to a traditional card account. Either way, secured cards are reported to the main credit bureaus, and healthy management of your credit can help boost your score.
Finally, keep your debt low. A portion of your credit score focuses on the debt-to-income ratio. If you have a low income but significant amounts of debt, it may indicate to creditors that you struggle to manage your financial responsibility. This can also be true if you have a high income and high debt. It is important to keep your credit card spending below 30% of your debt limit. Lower revolving debt amounts will also boost your credit scores.

Credit Report Analysis

We will review your credit reports from the 3 major credit bureaus to provide you a personalized Credit Report Analysis.

Resolve Credit Disputes

Elevated Credit Repair will implement a dispute action plan that is individually created to produce fast results.

Ongoing Credit Monitoring

Our ongoing credit monitoring service will send an alert whenever there is a change in your credit report activity.

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Elevated Credit Repair Services

Monitoring Your Credit

It is impossible to fix things if you don't know anything is wrong. Therefore, it is crucial to monitor your credit score. Today, there are multiple services available to help you do this on a weekly, monthly, and even daily basis. Credit monitoring agencies and credit monitoring apps can help you keep track of what's going on with your credit report and your credit score. They will help you understand if creditors have reported payments late or if there is a reporting error of any kind on your credit report. Fixing errors like these as soon as they are noticed can help improve your credit score. Additionally, monitoring your credit will help you know what your credit score looks like when you are preparing to make a significant purchase, such as a car or a house. Another benefit to many credit monitoring services is they will send you frequent updates. For example, free monitoring services such as Credit Karma or Credit Sesame will send you emails or text messages if something occurs on your credit report. For instance, if a lender requests a copy of your credit report to open a new account or if a lender marks a payment as late or an account as improved, these things will show up on your credit report, and you will be notified. This is highly beneficial when you are actively monitoring your credit, as it helps you determine if things are going in the right direction. It also allows you to plan ahead and have a clearer understanding of things you need to address before attempting to secure loans for a major purchase.

Our Process

Elevated Credit Repair will help you access and review your credit score. We will analyze your report in detail and provide a full customized solution for the next steps to improve your credit.

1. Provide Your Information to get Credit Report

Verify your identity to view your credit report without hurting your credit.

2. View Credit Score & Breakdown

We will review your credit score, report and breakdown.

3. Get a Customized Credit Solution

We will provide a customized solution to improve your credit.

What Is a Credit Score Analysis?

A credit score analysis is the process that companies use to evaluate your credit score. This evaluation helps them determine whether you are creditworthy. In other words, they use the information they learned from analyzing your credit score to decide whether they should give you a loan or a credit card. They consider the information in your credit score because it combines all of the factors of your credit report to help lenders determine how often your credit was used, how well it was used when it was issued, and how efficiently or successfully you repaid it. FICO scores typically range from 300 to 850. Lenders look at scores all the low end as riskier than those on the higher end. It is assumed that a higher score means the applicant is better at borrowing and repaying debts. 

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We are on a mission

Can a Credit Repair Company Really Help?

Credit repair companies like Elevated Credit Repair can help you improve your credit score. It is essential when considering turning to a credit repair company to ensure that you do your research as well. Some, like Robin Hood Credit, are legitimate, but there are many scams out there as well. It is also worth noting that there are limitations to what credit repair companies can and cannot do.
A legitimate credit repair company can help you remove inaccurate information from your credit report. Incorrect information includes inaccurate payment histories, inaccurate accounts, and other similar inaccuracies. For example, if a lender reports a late payment but you can verify that it was paid on time, a credit repair company can help you fix this problem and likely increase your credit score. Also, if an account is inaccurately reported as closed, delinquent, or in collections, a credit repair company can help you fix this error. They can help by removing the collection from your report, thus raising your credit score. Although it is possible to have these items removed from your credit score on your own, credit repair companies like Robin Hood Credit often have relationships with many major creditors. These relationships can help expedite the process and make it easier for you to accomplish your credit goals.
It is, however, vital to note that credit repair companies do not provide services that instantaneously fix poor credit scores. If you have a low credit score due to credit struggles and other accurate information that has pulled your credit score down, it will take time to improve these scores. While a credit repair company can help remove inaccuracies from your credit file, they cannot fix accurate information that has brought your score down. In these cases, there is little that a credit repair company can do to alter the score. A credit repair company can provide insight into the benefits (if any) of paying off collections accounts or negotiating reduced payments.

Elevated Credit Repair Services

Elevated Credit Repair is Here to Help!

Contact us today if you are interested in learning more about how Elevated Credit Repair can help you remove inaccurate items from your credit report. Our knowledgeable professionals can help you learn more about credit reporting, credit scores, and how using a credit repair service can boost your score and open up credit-related opportunities.
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