Best Credit Report Repair

Best Credit Report Repair Services, Built to Actually Deliver Results

When researching credit repair companies, you can tell who is legit and who is not based on the process they have in place and the results they are able to share. Don't trust a credit repair company based on promises. Look for a company with a process, accountability and results. Trust our credit report repair specialists. We are based in Atlanta, GA and serve the USA.

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Not All Credit Repair Companies Are Built the Same

If you're here reading this, it's probably because you feel this way:

  • You have looked into credit repair companies in the past and haven't been able to tell who is actually legit versus who says the right things.

  • You've dealt with companies who took your money and provided little to no progress or results.

  • You have collections, charge-offs, repossessions, and medical collections on your credit report and want them removed. You want them handled by a credit repair company that actually knows what they are doing.

  • You don't want to work with a company that makes vague promises about what they will do and provides little to no updates.

  • You want a company that will actually care about your case and your credit report like it is their own.

What Makes Us Different

The best credit repair service is not the service that promises the most; the best is the service that does the most.

  • We investigate and dispute items on your credit report across all 3 bureaus and thoroughly analyze each item.

  • We interpret and analyze credit report data differently than most credit repair companies. The best credit repair companies don't make vague promises; they tell you what they will do, how they will do it, and why they will get the results.

  • We serve as your representative so that you will never have to wonder about the status of your case again.

  • We don’t string you along. We provide you with the facts and the truth about your case so that you can make informed decisions about your case.

  • We take a comprehensive approach to credit education. Consequently, the results of the credit dispute process last longer.

How Our Credit Report Repair Process Works

1

Free Consultation

We analyze your credit situation and provide you with an unbiased opinion about your goals.

2

Credit Report Audit

Our team pulls your credit reports from all three bureaus and identifies all items that are erroneous, out-of-date, or unverifiable.

3

Custom Plan & Package Match

We recommend the plan that is aligned with your credit report, not the most expensive option.

4

Active Disputes & Negotiation

Our staff disputes flagged items with the credit bureaus and creditors and follows through with each case.

5

Rebuild & Monitor

We help you rebuild your credit and offer you personal guidance as your client success manager to ensure your progress isn’t stalled and to help you secure personal and business funding of $100K and $50K, respectively.

Why Heads Up Financials?

Personal Guidance

Your credit repair plan and package are based on what's actually on your credit report.

Real Support

You will be updated and provided with the truth throughout the process, unlike other companies that provide you with automated and misleading emails.

Beyond Repair Rebuilding

ur plans go beyond repairing credit. Clients have the opportunity to secure personal and business funding of $100K and $50K, respectively.

Individual & Couple Plans

Looking to rebuild credit with your significant other? We offer couple packages so you and your partner can get a better price than purchasing individual packages.

Experienced and Dedicated Team

Our in-house team includes a strategy team led by the founder, client success reps, and dispute specialists. This team works exclusively on your case. A disputes agent usually works on hundreds of cases, but not us.

Built On Integrity, Education, and Real Results

Our Mission

We provide our clients with the knowledge, tools, and strategies to easily access their money and improve their financial habits with no stress and confusion.

Our Core Values

Our Values are Education, Integrity and Real Results. The Credit Repair Industry is not regulated, and industry standards are not required. These standards should apply to all Credit Repair Companies.

Founder-Led Approach

Our Founder is not a credit repair salesman. He is a financial educator with the goal of providing clarity, not selling mediocre services like other companies.

Dedicated Specialist Team

Our team of dedicated dispute specialists work on your case daily.

Compliant Process

We comply with the Credit Repair Organizations Act (CROA). You have the right to cancel within 3 business days. There are no false promises. These should be the standards for all Credit Repair Companies.

Find the Plan That Fits Your Credit Journey

We provide services ranging from a basic credit cleanup to a full-scale credit rebuild and funds access services.

Plan

Starting At

Best For

Trusted Start Plan

$550 (Reg. $1,000)

Removing negative items across all 3 bureaus

Oasis Plan

$1,560

Credit repair + credit-building + funding guidance up to $50K

Empire Plan

$2,560

Personal + business credit, LLC setup, funding up to $100K

Guardian Sweep

$3,000

Aggressive dispute campaigns for severe derogatory items

Ascend Mentorship

$5,000

1-on-1 mentorship, credit + business strategy, funding up to $150K

Dynasty VIP

$7,500

White-glove service for entrepreneurs scaling wealth

 

See All Packages

Get Your Free Credit Report Repair Custom Report & Plan

Book your free consultation to see for yourself what a truly thorough credit repair process looks like.

Best Credit Repair Companies FAQs

How do I identify a credit repair company that is legit?

Legitimate companies will be upfront with their pricing, contracts, your right to cancel within 3 days, and no promises of a guaranteed score increase. Any company that is unclear on these basics, or promises guaranteed results, are definitely a scam.

How long does credit repair take?

It depends on the number of disputes and how responsive the credit bureaus and creditors are. Most clients see results in the first few billing cycles and more noticeable results in the first few months. Legitimate companies cannot speed up the process and should not make guarantees about a score increase.

Will the best credit repair companies guarantee a specific score increase?

No, it's illegal for credit repair companies to guarantee specific score increases, and companies that do so are not reputable. Companies can, however, guarantee that they will go through the credit repair process and support clients throughout the entire process.

What should I look for when I compare credit repair companies?

You should look at whether companies educate clients or file disputes, how responsive they are throughout the process, and whether they include credit building and support after the process to ensure long-term improvement.