Credit repair is the process of identifying and disputing inaccurate, outdated, or unverifiable information on your credit reports to improve your credit score.

The reason the vast majority of credit repair companies are so ineffective is because there are extremely specific rules on how to properly dispute and the internet is filled with innacurate information on how to properly dispute.

It’s the blind leading the blind.

AARON VIDEO! 

We can assist with all types of negative accounts including late payments, charge-offs, collections, repossessions, foreclosures, bankruptcies, and more.

We go over all these points much more extensively on the Why Choose Us tab, but the main reasons are the following:

1. Most entities in this industry are incompetent, a scam, or both. We are neither. Be wary of most credit repair organizations (CROs) (even the big “reputable” ones!), credit repair influencers, and “AI“ credit repair software.

2. Our service was created and designed by Consumer Protection attorneys. Aaron Swift and his legal team created this service after 15 years of industry experience and over 1,000 lawsuits against the credit reporting agencies (Equifax, Experian, TransUnion, Innovis) and other first and third party collectors.

3. Our service could end up MAKING you money. Our prices are already amongst the most competitively in the industry, but by working with us, you might actually end up making money!

This is because we are partnered with a Consumer Protection law firm, and a lot of our files end up being litigation-worthy (this means there are enough errors that it is worth it to sue credit reporting agencies and/or creditors).

The Consumer Protection law firm we are partnered with is Swift Law North.

This means that not only will your credit reports get fixed to the best they possibly can be, but also you’ll likely walk away with money in your pocket!

Please note that identifying potential lawsuits is a service we provide FREE OF CHARGE.

And if the law firm takes your file, they charge on a contingency-fee basis, which means no out-of-pocket fees or costs.

So if they lose (this is rare – their win-rate is over 99%) you pay nothing and if they win, the opposition pays the fees and costs. In other words: RISK FREE.

Note: If your file gets transferred to the law firm, you will still get the credit repair results we offer at Swift Credit Fix (at no additional cost) – PLUS MORE!

If you say yes, this process will result in:

1. The best possible outcome for your credit reports. This is because a law firm has more power than other types of entities in these situations. They will negotiate debt forgiveness, forever tradeline deletions, and more.

2. Money in your pocket! Yes, the companies that made errors on your credit reports will pay you for their mistakes. Please note that these settlements sometimes result in up to six-figures in your pocket!

Identifying potential lawsuits is a service we include FREE OF CHARGE.

And even if your situation doesn’t qualify for litigation, we still offer the best credit repair possible.

We go over this extensively on the Our Process tab, but this is the summary.

Our process takes 7 months total (in some circumstances, just 4 months). Anyone promising faster results is either wrong, dishonest, or doing something that can get you in trouble!

Step 1: Document Collection (Week 1). Credit Reports, ALL debt collection communications, ALL previous disputes.

Step 2: Analysis of all Submitted Documents (Week 2). We find ALL ERRORS using a proprietary internal checklist developed through years of litigation and identify all potential lawsuits.

Step 3: ICRV Call with one of our Specialists (Week 3). Review analysis, discuss preferences on how to proceed, go over timelines, assign homework assignment, implement plan of attack.

Step 4: Send out Round of Disputes (Week 4 – Wait 12 Weeks). Send out disputes that are specfically designed so that if we don’t get the exact results that we want, the Consumer is perfectly set up to sue these companies later on (and we assist with the transfer to the law firm, free of charge).

Step 5: Repeat Steps 2-4 (Week 16). We repeat the process to try once more to get the results that we want OR to increase the value of the lawsuit if we didn’t get the results that we want (more money in your pocket!).

Please note that sometimes Step 5 is not necessary because the process worked perfectly by the end of Step 4! If this is the case, that means everything that can be fixed has been fixed, and we will not renew payments for the remaining months.

We go over this much more extensively in the “Why do you consider yourself the best in the business?” question above, but the main reason working with us could end up making you money is that during our process we look for potential lawsuits (which we do free of charge).

If we find potential lawsuits (and we very often do), we will transfer your file to a Consumer Protection law firm we are partnered with (also free of charge), they will sue on your behalf, and your settlement will almost certainly be SIGNIFICANTLY larger than the price you’ve paid for our service.

The Consumer Protection law firm we are partnered with is Swift Law North.

Please note that this law firm has no out-of-pocket fees or costs!

The bottom line is you’re getting:

1. The best possible results for your credit reports.

2. Walking away with money in your pocket.

We will transfer your file to the Consumer Protection law firm we are partnered with if we find that your file is litigation-worthy (there are issues that are worth suing over). And only if you approve of course!

The Consumer Protection law firm we are partnered with is Swift Law North.

Note: the identification of potential lawsuits and subsequent transfer of your file is a service we provide FREE OF CHARGE!

Then the law firm will take your case and sue on your behalf. They operate on a contingency-fee basis which means no out-of-pocket fees or costs.

So if they lose (this is rare – their win-rate is over 99%) you pay nothing and if they win, the opposition pays the fees and costs. In other words: RISK FREE.

Note: If your file gets transferred to the law firm, you will still get the credit repair results we offer at Swift Credit Fix (at no additional cost) – PLUS MORE!

If you say yes, this process will result in:

1. The best possible outcome for your credit reports. This is because a law firm has more power than other types of entities in these situations. They will negotiate debt forgiveness, forever tradeline deletions, and more.

2. Money in your pocket! Yes, the companies that made errors on your credit reports will pay you for their mistakes. Please note that these settlements sometimes result in up to six-figures in your pocket!

If you are dealing with any of the following issues (which are considered major violations), we MAY be able to refer you directly to the Consumer Protection law firm we are partnered with:

     1. You are the victim of Identity Theft of Fraud.

     2. Your credit report is Mixed or Merged with someone else’s.

     3. Your credit report lists you as Deceased.

If any of those describes your situation, please message us directly through the Contact tab.

The Consumer Protection law firm we are partnered with is Swift Law North.

• Please note that these types of cases can be worth potentially hundreds of thousands of dollars in your pocket!

• Swift Law North represents most consumers on a contingency-fee basis, so you will never pay out-of-pocket fees or costs.

No. To be honest, nobody in this industry can (because nobody can control what the credit reporting agencies will do).

HOWEVER, two things to keep in mind:

1. We are the best in the industry at getting the best results possible (due to the quality of our internal checklist and disputes).

2. If we don’t get the results that we our supposed to, we will transfer your file to the Consumer Protection law firm we are partnered with. And the law firm wins over 99% of their lawsuits, resulting in the best possible outcome for your credit reports.

This is closest you’ll get to a guarantee in this industry.