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What We Do


More Than Just Credit Repair

Elite Credit Repair Services will not only repair your credit, we will also help you establish credit. There are many consumers who don’t have credit and fall in the same tier as people with bad credit. Some Americans believe everyone starts off with good credit, not knowing you actually have to build credit. This process can be challenging to most people because they don’t know where to start. Let us take the hassle out of credit repair and help you get your credit back on track so you can live the life you deserve. 

Credit Consultation

We will evaluate all three credit reports for FREE. Every client's situation is unique and this will allow us to determine the personalized action plan.

File Submission

Our company will work on your behalf dealing directly with the credit bureaus and your creditors. 

Credit Report Analysis

Review and analyze your results. Get expert advice on how to improve your credit. 


What is your credit costing you?

There are many Americans unaware of how much bad credit is costing them until they apply for a loan. Some Americans have never checked their credit reports or scores at all. Having bad credit can also affect your day to day life; for instance, paying more for car insurance, paying a higher deposit for an apartment or cell phone. That’s why it is so important for consumers to check their credit reports regularly to insure its accuracy. A higher credit score can mean the difference between 3.5% or 10% down payment for a mortgage or paying $12,000 more in interest on a $20,000 auto loan. With a better credit score you can enjoy lower interest rates, $0 down on auto loans, O% APR on credit cards, and much more. 

Credit is complicated. We can help.

What is good FICO Score?


Your FICO score is a type of credit score created by Fair Isaac Corporation. FICO scores range between 300 and 850. Having a FICO score of 700-749 is considered good. Lenders use your FICO score amongst other information to determine a potential borrower’s creditworthiness. You have FICO credit scores with each of the three credit bureaus: Equifax, Transunion, and Experian. Each FICO score is based on the information the credit bureau keeps on file about you. 

How are scores calculated?


· FICO uses five variables to calculate their score. Payment History being the top rated factor making up 35% of your credit score.


· Utilization weighing the 2nd highest aspect of your score at 30%. When it comes to credit cards, the formula looks at the difference between the high limit and balances. 

· Length of credit history considers the age of the oldest accounts and the average age of all your accounts. This factor makes up 15% of your credit score. 

· New Credit is not always a bad thing, However, opening new accounts can hurt your score if you apply for lots of credit in a short period of time. This makes up 10% of your credit score. 

· Lastly is credit mix making up another 10% of your score. This FICO model wants to see healthy mix of credit showing you have a balance of both revolving debts like credit cards, auto loans, or mortgage.

How Do I improve my score?


There are many ways to improve your credit score without credit repair. First you must look at your credit reports and see what’s reporting. Pay your bills on time and make sure you are using your credit at least every 6 months. Do not apply for too much credit all at once. Make sure to keep your credit cards under 30% utilization. 

Ask how to get 20% OFF when you try our services!

Stay up to date with our current promotions to receives discounts off your service.

Stay up to date with our current promotions to receive discounts off your service. 

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