It's Time To Have The Credit Score You Deserve!

Our Process

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1. SIGN UP

This step includes our welcome kit, initial credit report and consultation.

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2. DISPUTE

Using our dispute sheet choose which items to question and why.

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3. WE WORK

We will start the credit repair process, questioning items directly with the credit bureaus.

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3. RESULTS

Items on your credit are removed and your score GROWS! We work until you have the score you deserve.

Financial Education

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Should You Declare Bankruptcy?

There is no "quick and easy" answer to this question. You should discuss your situation with a credit counselor or a bankruptcy attorney, to evaluate the costs and benefits of bankruptcy given your personal financial situation.
 
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Secured Credit Cards

Credit cards are a fact of life. You need one to make a hotel or plane reservation, or to rent a car, even if you plan to pay cash. Many stores require a credit card to accept your check. Responsible use of a credit card builds a good credit rating, too, marking the owner as mortgage-worthy. But people who have never had credit or need to repair a poor credit history may not qualify for a regular credit card. For them, a secured credit card may be the only way to establish, or re-establish, credit. If you're in that boat, here are the answers to the top questions about secured credit cards.

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Learn how to establish credit and keep it in good standing.

It's Time To Have The Credit Score You Deserve!

CREDIT FACTORY USA uses aggressive strategies and conventional dispute methods to ensure maximum results in restoring your credit. We look forward to improving your credit rating as quickly as possible. Improving your credit score is as easy as four steps.

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