Flat-Fee Credit Repair and Counseling

benefitS OF one time fee credit repair

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No Monthly Fees

At CreditGurus, we believe in transparency and simplicity. Enjoy the benefits of our credit consulting and repair services without the burden of monthly fees. Our commitment to providing affordable solutions means you only pay for the services you need, giving you control over your financial journey.


Fast Results

Unlike other credit repair companies, our service includes maximum disputes per round. Generating Maximum Results In Minimum Time!


Aggressive Approach

While outcomes may differ, proactive credit repair services, such as CreditGurus, consistently achieve notable improvements in the initial 45 to 60 days. Our in-depth knowledge of credit laws and fair practices empowers us to take assertive actions during the credit repair process.


Transparent Pricing

Flat-fee pricing provides transparency and predictability for clients, making it easier to budget for services.

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Our 3 Step Credit Repair Process


Comprehensive Credit Analysis

This step involves thoroughly analyzing the client’s credit report. This process includes identifying inaccuracies, errors, and areas that require improvement. This analysis lays the foundation for a personalized credit repair strategy.


Strategic Dispute and Negotiation

After identifying discrepancies, the next step is to initiate disputes with credit bureaus and creditors. This process involves challenging inaccuracies and negotiating with relevant parties to correct errors or remove negative items from the credit report. A strategic and assertive approach is crucial during this phase.


Ongoing Monitoring and Education

Flat-fee credit repair services include extended monitoring of the client’s credit profile. This giant extra ensures that all improvements are reflected and any new issues are promptly addressed. Additionally, educating clients on responsible credit management practices helps them maintain positive financial habits for the long term.

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An amazing relationships leads to outstanding results

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The Credit Gurus Team


Dedicated Credit Specialist

Our team is a devoted group of experienced professionals committed to guiding you on your journey to better credit. With a wealth of knowledge in credit consulting and repair, our FICO experts are equipped to analyze, strategize, and implement effective solutions tailored to your unique financial goals. Trust our team to provide personalized, transparent, and results-driven services, supporting you every step of the way towards achieving financial success.

Client testimonials

Our happy clients are a testament to our commitment to success. Satisfied with our credit consulting services, they’ve experienced positive transformations in their financial journeys. Join the ranks of our delighted clients and embark on a path to financial well-being with confidence.”

I have no words but I just want to say thank you. Andrew and his team helped improved me and husband credit score. This got us a chance to finally get our first home. These guys are awesome and without a doubt the best credit repair company we ever worked with.
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Aada Laine
My inner New Yorker said to put up my guard and watch out for scams, so i approached Credit Gurus with initial hesitation, I was pleasantly surprised. Brittney provided valuable insights without any pressure to sell services. Her honest guidance and extra tips were appreciated. Highly recommend seeking help from Credit Gurus. Thank you!"
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Corey Stokes
Andrew Is fantastic! The process thus far has been super easy and we are already seeing the results. So far in 1 month we have seen 30 point & 50 point increase in our scores. The communication through the process has been outstanding and I am eager to see how things keep progressing over the next few months.
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Alisa Hester
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we offer the best DIY Guide For The Do-it-Yourselfer

The Ultimate Credit Repair
Guide EBook

Empower yourself with ‘The Ultimate Credit Repair Guide’ – a comprehensive E-Book designed for DIY enthusiasts. Navigate the world of credit repair confidently, armed with valuable insights, expert strategies, and actionable steps to elevate your credit profile and achieve financial success. Take control of your credit journey with this essential guide.

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Voted #1 Do-it-Yourself Credit Repair Guide

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A Better of Understanding our Services

Challenging Collections on Your Report
Credit reporting agencies are prohibited from including inaccurate or incomplete information in your credit file, especially from debt collection agencies. If you find any inaccuracies or omissions regarding a collection account, you have the right to dispute it with the agencies. The agencies are required to verify the information with the source, and if confirmation is not received within 30 days, they must remove it.
If a debt on your credit report is not legitimately yours, avoid making payments. Through a formal dispute process, we can work with the credit bureau to remove it from your account. Additionally, if a collector maintains a debt on your credit report beyond seven years, they are obligated to remove that specific debt.
While collection accounts typically persist on your credit report for up to seven years from the date of the initial delinquency with the lender, proactive dispute efforts can help rectify inaccuracies and ensure a fair representation of your credit history.

Erasing a Foreclosure Entry from Your Credit History

Eliminating a foreclosure from your credit report demands time, persistence, and specialized knowledge. To challenge it successfully, you must present the appropriate documentation to prove its erroneous inclusion on your credit report.

You might have the opportunity to expunge a foreclosure from your credit report under these circumstances:

  • The foreclosure is older than seven years.
  • The lending institution is no longer operational.
  • You possess a voluntary dismissal.
  • There is an absence of available records.
  • Breach of predatory lending laws.

Effects of a Foreclosure on Your Credit Score

A foreclosure can result in a credit score drop of up to 140 points. It signifies tardiness in your payments before the foreclosure, creating concerns for lenders about your repayment reliability.

Timeline for Removal from Your Credit Report:

Foreclosures commonly linger on credit reports for more than seven years. Actively addressing these issues can help expedite the removal process and present a more accurate reflection of your credit history.


To remove repossessions from your credit report, you’ll need to prove to the credit bureaus that the repossession is fraudulent, outdated, inaccurate, or in violation of predatory lending laws. Another way to remove repossessions from a credit report is to validate that all sales and lending procedures involved are free of State DMV violations.


 A repossession can endure on your credit report for a maximum of seven years, potentially impeding your eligibility for future loans.

Repossessions exert a significantly adverse influence on your credit, signaling to lenders a potential challenge in meeting payment obligations for subsequent loans


Tired of facing rental denials due to a past eviction? Have you ever wondered why most evictions don’t appear on your typical credit report but still affect your renting prospects? At Credit Gurus, we go beyond the primary three credit reporting agencies (Transunion, Equifax, Experian).

Explore these methods for eviction removal:

While the process is intricate, it’s not insurmountable.

  1. Petition the court: Request the court in the relevant county to expunge the eviction from your record.
  2. Win your case: If the eviction lacks a legal basis, provide evidence to demonstrate its invalidity. Proving the eviction was unfounded increases the likelihood of a favorable ruling.
  3. Demonstrate lease compliance: Clearly showcase adherence to your lease terms. Provide evidence, such as cleared rent checks and photos, to support your case.
  4. Ensure legal procedures: Monitor the landlord’s eviction process, adhering to state-specific laws. Document instances where the landlord fails to follow required legal procedures in serving eviction notices.

Navigate these steps and empower yourself to remove evictions from your credit history.

Repairing your credit is the easy part, establishing and sustaining excellent credit demands your commitment and dedication.
Our Credit Gurus team aspires to witness you achieve a credit score of 700 or more, and we’ve crafted a swift plan to assist you in reaching that objective.
For many, a notable hindrance to attaining exceptional credit is a “LACK OF COMMITMENT.” If commitment isn’t a hurdle, and you meet the criteria for our Fixed-Price credit repair program, let’s not delay any further.
We would be delighted to impart knowledge on all the tools, strategies, and insider tips for building credit – the same techniques that affluent individuals have utilized to lead enviable lifestyles and amass substantial fortunes!

Credit Repair NEWS

Explore a world of insights and inspiration with our Credit Repair Blog. Discover tips, trends, and thought-provoking content designed to enrich your daily life and credit profile. Join our community of readers on a journey of knowledge and discovery.

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March 12, 2023

Credit Repair for Beginners: 5 Simple Steps to Improve Your Credit Score

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