Top-Rated Credit Repair Services That Fix Your Credit Fast

Fix Your Credit

Millions of Americans struggle with poor credit.

Our expert credit repair services help you remove negative items, raise your credit score fast, and unlock approvals for cars, homes, apartments, and business funding.

Let’s take the first step toward your financial freedom!

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Fast Results

Affordable Pricing

Proven Strategies

Smiling man and woman checking their improved credit scores on a smartphone, representing successful credit repair results from Prosperr Credit

100+

Point Increase Avg.

96%

Success Rate

Top-Rated Credit Repair Services
That Fix Your Credit Fast

Fix Your Credit

Buy A Home

Millions of Americans struggle with poor credit.

Our expert credit repair services help you remove negative items, raise your credit score fast, and unlock approvals for cars, homes, apartments, and business funding. Let’s take the first step toward your financial freedom!

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Impact of Credit

Try Our Credit & Loan Calculator

* Choose loan type and amount to see details

Credit Score → Interest & Payment – Multi‑Loan Calculator (Enhanced)

Loan Amount

Term (Years)

Credit Score Range	Interest Rate	Estimated Payment

Poor Credit Cost

With a credit score below 580, you could pay over $1,100 more per month compared to excellent credit.

That's money that compounds year after year in extra interest payments.

Excellent Credit Savings

Improving to excellent credit (800+) can save you hundreds of thousands over the life of a loan.

Better rates mean more money in your pocket for what matters most.

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We Can Remove

Remove nasty credit killers!

Collections

& Charge-offs

Unpaid collections and charge-offs can harm your score, shut you out of jobs and housing — it’s stealing your future!

Late Payments

One late payment can tank your credit score by up to 100 points and shut doors on loans and credit you need now!

REPOs

A single repossession tears your credit apart and can trap you without reliable transport or loan access!

Defaulted

Student Loans

Defaulted student loans destroy credit, delay goals, and can limit access to major financial opportunities!

Bankruptcies

Bankruptcies remain visible for years, closing credit doors and keeping you trapped financially!

Foreclosures

Foreclosure kills your mortgage chances and can leave you unable to buy a home again for a long time!

Hard Inquiry

Every hard inquiry chips away at your credibility — too many and lenders assume you’re desperate!

Icon representing additional negative item removals in professional credit repair.

And More...

Other errors on your report quietly your score; one mistake can cost you major opportunities.

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Why Choose Prosperr?

The Choice Is Easy

Smartphone showing a 530 poor credit score with a pencil erasing the words ‘Bad Credit,’ symbolizing credit repair and score improvement.

Flexible Payments

Flexible and Affordable payments designed for you. Pay fully upfront or monthly. Total transparency—you’ll always see the value and results. Plus, its very affordable. Let’s build your future!

Trustworthy

More than repair: We're your partner. Built on integrity, transparency, & proven results. No tricks, just strategies with your success at the core.

Money-Back Guarantee

Results in 90 days or your money back. PERIOD! No fine print, no excuses. That's how confident we are in getting you the credit you deserve.

Clear Communication

Stop guessing! Get real-time updates, score tracking, and personalized reminders right on your phone. Know the plan and watch your score rise through your client portal and app.

We Repair And Build

Credit repair is only the start. We boost scores fast using Tradelines and other strategies, provide tax help, education, and mentoring for the bigger picture goals. Whatever your dreams, we can help you achieve them step-by-step.

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Our Track Record!

100+

Point Increase Avg.

96%

Success Rate

How To Start

Simple And Easy To Start

How To Start – Single‑Card Stepper (Mobile arrows under)

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FAQs

You Have Questions?

We Have Answers

What is credit repair?

Credit repair is the process of disputing and removing inaccurate, outdated, or unverifiable information on your credit report to help clean your credit file and improve your credit score.

How long does credit repair take?

Most clients see progress within 30–90 days, but the full process can take anywhere between 3 –8 months depending on your situation. The average time frame for Prosperr Credit has been about 5 months from start to end.

What is your process?

We review your credit reports, identify those nasty negative items, create powerful disputes (to your creditors, collection agencies, and the credit bureaus), and follow up until each account is resolved (updated or removed). We use traditional and modern methods to get you the best results possible.

What credit report items can be removed?

We dispute charge-offs, collections, late payments, inquiries, bankruptcies, repossessions, foreclosures, medical bills debt, inaccurate personal information, public records, and more.

Any item on your credit report that can't be verified or validated, is incorrect, outdated, or a result of identity theft (fraud), MUST be removed from your credit report.

Do you guarantee results?

No.

No one can guarantee specific results or specific score increase. Any credit repair company claiming this isn't being honest with you. We value trust and relationships. Therefore, we pride ourselves in being 100% honest and transparent with you. What we guarantee is aggressive, consistent disputes and guidance.

We do have a 100% money back guarantee if you don't see any results within 90 days. Although, we are very confident that we can get you results within this period. Some clients entire credit have even been restored in less than 90 days.

Our track record demonstrates success for our many clients.

Difference between credit report and credit score?

A credit report is a detailed history of your credit activity.

Such as:

1) personal information

2) Credit accounts

3) Public records

4) Inquiries

A credit score is a three-digit number calculated from the contents of that report and is typically between 300 and 850. This score represents your credit risk and likelihood of paying back bills on time. Lenders and others use this score to gauge their risk when extending credit to a borrower. A higher score generally results in more favorable loan terms and interest rates. While a lower score can mean less favorable terms, higher interest rate, and a higher payment amount. Scores are calculated from credit reports held by agencies like Equifax, Experian, and TransUnion, with FICO being the most common scoring model.

What factors influence my credit score?

Certain key factors influence your credit scores. These key factors and their influence percentages include:

1) Payment history (35%)

2) Credit utilization (30%)

3) Length of credit history (15%)

4) Credit mix (10%)

5) Recent inquiries (10%)

These percentages total 100% of your credit score mix.

Payment history and credit utilization (part of amounts owed) are the most influential, with late payments negatively impacting scores and on-time payments and low balances helping them.

Can deleted items come back on my credit report?

Even if a negative item is removed from your credit report, creditors can still re-report it. So it's crucial for us to contact both the credit bureaus and your creditors/collection agencies directly to minimize the chances of it reappearing on your credit history.

Our processes reduce the probabilities of these items returning. But, if they do we utilize our aggressive dispute methods to get them remove once and for all.

Do you offer other services outside of credit repair?

Yes.

In addition to credit repair we offer business credit building services, Authorized user and Primary tradeline services, personal and business funding solutions, and tax prep services.

These additional services can be purchases separately from your credit repair or included in the higher tier options.

See our Services & Pricing section for additional information.

What information will I need to provide to you?

You will need to provide certain information and documents for the credit repair process to be successful. These include:

1) Personal information (name, Dob, address, social #, phone, email).

2) Copy of state issued ID or driver's license.

3) Copy of Social Security Card.

4) Copy of utility bill, bank statement, or rental agreement.

After signing your client agreement and logging into your client portal or mobile app, you will be prompted to upload these documents to initiate the credit repair process so that we can begin disputing incorrect and unverified items on your credit report.

Will I have to sign up for credit monitoring?

Yes.

You must sign up for and maintain credit monitoring during the duration of your credit repair process. A credit monitoring service is required to properly track your credit report activities and allow us to verify changes made by the bureaus.

Although, we also recommend that you keep and maintain credit monitoring even after your credit repair journey is complete. This allows you to always have access to and keep track of your credit score, credit report, and any negatives that might find their way on them in the future.

Credit monitoring is included in the PRO and ELITE tiers.

See our Services & Pricing section for additional information.

How do I get Started?

To get started:

(1) First, click the "Get Started" button anywhere on this website.

(2) Fill out short info form and order FREE credit report.

(3) Get your FREE Credit Analysis video sent to your email.

(4) Schedule your FREE Consultation and choose a plan.

(4) Start Onboarding. Download app and upload your documents.

(5) We do the rest! You can relax and watch us work or MAGIC!

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90 Day

Money-Back Guarantee

Don't let fear hold you back!

Our 90-day policy is more than a guarantee; it’s a commitment to your satisfaction. We eliminate the 'what ifs,' allowing you to focus purely on the results you deserve. If we don't deliver results in 90 days, you get your money back, no questions asked.