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Pay After Deletion Credit Repair w/Great Verified Reviews (Charlotte | Kannapolis | Salisbury)
offered in person
offered virtually
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I’m a Certified Consumer Credit Advocate & Financial Coach with 17 years of experience using the FCRA, FDCPA, CROA, and multiple federal consumer protection laws to challenge inaccurate reporting the right way.
We even have a little-known federal law based option that, for those who qualify, can remove large portions, and in many cases ALL negative items, within 45 days. This program is NOT for everyone, but we can screen you to see if you may qualify without affecting your normal repair options.
⭐ Before choosing ANY credit repair service, ask these 4 critical questions:
1 – “Do you mail the letters? Will the credit bureaus actually investigate my disputes?”
If the letters aren’t signed by YOU and sent from YOUR local post office via certified mail, over 60% of disputes are ignored, once you are notified they can legally ignore every month unless you fix the issue. Most companies send unsigned letters from a mail house and get poor results, they then tell you its just a "stall tactic". No investigation means no deletions
2 – “How long is your dispute cycle?”
A real dispute cycle is 40+ days because the bureaus legally have that long to respond. 30-day cycles were invented by monthly-fee companies to keep billing you. We only use true 40 day cycles!
3 – “If nothing is removed this cycle, do I still pay?”
If they say yes, you’re paying for letter writing, not results. This is the “Pay and Pray” model: pay monthly, hope for a deletion, and usually get nowhere. - If we have cycles that have no deletions you don't pay us anything.
4 – “Do you check to see if I qualify for federally mandated removal of all items within 45 days?”
Most companies have never even heard of the federal screening criteria. We check this for every client to determine whether you are eligible for faster results, without replacing your standard repair process. If you qualify and you choose to implement we won't even charge you any extra
⭐ Why Charlotte Locals Trust Pay After Deletion™
• No Monthly Fees – Stop wasting money every 30 days.
• Flat, Simple Pricing – $35 per item deleted - No gimmicks or surprises.
• You Approve Every Deletion Before Paying – We don't auto bill you, you approve each invoice.
• Every Negative Item Challenged at Once – Never “3 items per cycle” scheme to slow down results
• All Disputes Signed by You & Mailed via Certified Mail from Your Post Office – Ensures full investigation.
• Strategies Based on Written Law – Not theories or loopholes.
• The Exact Letters We Use Are Shared With You – Zero secrets.
• Proven Since 2010 – Thousands helped using real, compliant methods.
⭐ What We Help With
• Inaccurate collections & charge-offs
• Incorrect late payments
• Identity or mixed-file errors
• Unverifiable or outdated accounts
• Debt organization & financial coaching
• Understanding FCRA, FDCPA, CROA, and other federal protections
⭐ Do You Qualify for Rapid Credit Improvements?
You may qualify for federally recognized protections that can dramatically speed up your results—but most companies never check.
To see if you qualify, call or text today.
⭐ Our Promise
If you’re not 100% satisfied by the end of Cycle 6, we'll work on whatever is left for FREE.
📍 Charlotte-Area Company
📞 Call/Text: 813-345-4097
📘 Ask for your FREE copy of “The Credit Repair Lie” when you call.
Stop paying for promises. Start paying for results.
Pay After Deletion™ – Since 2010.
Search our name and see why Charlotte trusts us.
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