Aggressive Credit Credit Repair Services, Low Monthly Rates

Tru Credit Repair works on an Unlimited number of inaccurate items on your credit report with all 3 credit agencies and creditors, with Our Attorney assisted, Tru credit repair is a company known to charge low monthly fees for their service with powerful results .

Fast Credit Repair Service Help

Our quick and incredible credit repair dispute cycles were intended to raise your credit scores as fast as reasonably be expected by confirming the exactness of records through different progressed strategies. Our interaction incorporates both credit bureaus and original creditors. Our credit repair tactics consist of contesting and eliminating off base, incorrect, erroneous, obsolete, strange negative records with the credit bureaus and lenders. With these aggressive credit repair methods, our customers see exceptional outcomes. By working straightforwardly with lenders for settlement or cancellation debt letters, exploiting all aspect we are certain you have maximized all avenues

Quick Credit Repair Tips

Here are three quick credit repair tips.
If you follow this appeal, you will be on the best approach to improving your credit rating in base time.

Know Exactly Where You Stand

Pay on Time and Pay Extra

Resist Negative Offers from creditors

How We Repair Your Credit

The Most Aggressive Attorney Assisted Credit Repair Services.
Credit bureaus correct or remove unwanted information from your credit report.

Credit Examination

Our attorneys will carefully review your credit report for any item that is inaccurate, misleading, incomplete, and/or unverifiable in any way.

Attorney Advantage

By implementing audits and enforcing federal laws and acts of Congress, the lawyers at Strong Credit Repair will start to free you of low credit scores.

Seeing Results

After the bureaus respond to our disputes, will start to see upgrade in your credit. Time depends on the number of items filed.

1-on-1 Plan

After we discover your areas of improvement or the disputes available on your credit, your personal Case Advisor will fight for you.

Credit Management

Not only we fight for you to improve your credit score, we also setup a credit management system so you can keep track of your progress.

Enjoy Better Credit

Finance your dream home, a new car, save on interest rates, get lower insurance premiums and eliminate down payments with better credit.

Request a Quote!

We Are A Company That Does a Good Job of Fixing Credit Fast

Tru Credit Repair helps people all over the country fix their credit in an aggressive way. You need good FICO scores to handle your finances well.

It is very important to keep looking for ways to improve your FICO score. My Credit Focus offers a service called “Forced Credit Repair.” This service will look at your record of loan payments and question any mistakes that may have been made.

You need to do a few things to improve your FICO score. You might never find out about some of the strategies you might have to use. The experts at Tru Credit Repair know what to do to help you fix your credit in the best way possible. Attorney Holts runs the group. He has been giving legal advice for more than 30 years. He encouraged them to use the right, forceful methods to help fix their credit.

What You Need To Know About Improving Your Credit Score

The Covid-19 pandemic has been devastating us since early 2020 and has had a huge influence on the financial sector globally, including the dramatic decline in consumer credit consumption. The number of loan defaults has increased at the same time that use is declining. The majority of individuals today, especially those in the middle to lower economic classes, rely heavily on credit, making this a devastating event.
Credit is used for many things in our life, including paying for our children’s education and purchasing a car or home.
Although credit is something that most people blame for their financial woes, it has also been a blessing for certain people as well. It’s not about the credit itself, but rather knowing how to handle it sensibly given our degree of risk and competence. Credit has allowed people to fulfill their basic needs quicker and easier than they should have.
Because of this, losing the ability to pay your credit will significantly lower your quality of life.


What Is Credit Score

A person’s ability to repay credit debt is indicated by their credit score, which is merely a number. Bill-paying history, current outstanding debt, the quantity and type of loans you have, the length of time the account has been open, the amount of available credit that is presently being used, and the amount of credit that you are now requesting for make up your credit score.
Your credit score also takes into account some of the negative entries in your credit history, such as whether you have any outstanding debt or whether it has been forcibly collected, a foreclosure, or even bankruptcy.
Your credit score increases in direct proportion to how responsibly you have handled your debt and how legally you have carried out your payment obligations. Additionally, a higher credit score can persuade a possible lender you may use in the future to grant you a loan with less difficulty. Having a high credit score also makes it simple to request a larger loan and a longer loan term.
Despite the fact that there are numerous credit score models, generally speaking, the range is as follows:

  • 300-579: Poor
  • 580-669: Fair
  • 670-739: Good
  • 740-799: Very good
  • 800-850: Excellent

Now, let’s take a look at the history of credit scores before we dig deeper into what they are, why they are used, and how to improve them.


The History Of Credit Scores

Surprisingly, the credit score has been around for many years given that the business of loans and credit has existed for more than a thousand years. Even more astounding is the fact that the foundational work for credit ratings began approximately 200 years ago.
A credit score is an odd component of the economy. Additionally, it’s a component of the financial revolution that gives rise to the so-called “American Dream.” a component of American capitalism’s modernism.
When commercial lenders wanted to assess the risk involved in scrutinizing their potential customers, they first documented the technique of credit scoring, which was initially known as credit reporting, during the 1820s. R.G. Dun & Co. and the Bradstreet Company were the two most well-known credit rating firms by the middle of the nineteenth century. Both of these businesses created alphanumeric scores to assess applicants for commercial loans for risk.
However, the method was criticized for being unjust because it was during the height of immigration to the USA. The scoring system, according to critics, favored one set of people while degrading the other.
The development of the FICO Scoring system signaled the system’s full maturation in the 1970s.


FICO Scoring System

The Fair Isaac Corporation developed the FICO credit rating system (FICO). To establish trustworthiness, FICO ratings consider information in five categories: payment history, current level of debt, types of credit used, duration of credit history, and new credit accounts.
More than 90% of credit decisions made in the United States today are based on FICO ratings. Furthermore, having a low FICO score will still be a deal-breaker for the majority of lending companies, even when potential borrowers may have justifications and explanations for the bad points on their credit record.


How Credit Score Is Calculated

You should first be aware that you have multiple credit scores. Various credit scores exist depending on how scoring is used to determine them. However, the main factors taken into account while determining your credit score are five.
Financial History
Your payment history will be one of the first things a credit scorer looks at. Your ability to make payments on time, whether you’ve ever missed one, how many days past the due date you’ve paid your bills, and how recently missed payments have occurred are all displayed in your payment history.
One of the primary things you should avoid in this section is having a payment that is never past due for more than 30 days, as this can significantly lower your credit score.
How far behind you are on a bill payment, the amount of accounts that have late payments, and whether or not you have kept the accounts current are other elements that are taken into account when determining your credit score.
Your score will increase the more responsible you are with your payment. On the other hand, your credit score will suffer if you consistently skip payments.
Debt Amount Your score in this category is determined by the size of your loan, the number and types of accounts you have, and the ratio of your loan to your available credit.
Smaller amounts will boost your credit score if you make on-time payments, but larger balances and maxed-out credit cards can lower it. Your credit score may temporarily decline if you take out new loans with limited payment history, but it may rise if you take out loans that will soon be paid off because they have a successful payment history.
Credit Products Applied
The forms of credit you currently have will also be taken into account by the credit scorer. These include installment loans and revolving debt (such as credit cards) (such as mortgages, home equity, auto, student, and personal loans).
How many of each type of account you have is another consideration. Potential lenders and the credit score agency will both check your capacity to manage a variety of loans at once. It will demonstrate your dependability in regards to your loan.
Credit History Length
The longer you have made on-time loan payments, the better your credit rating will be. When considering credit history, credit scoring models often consider the average age of your credit. For this reason, you ought to think about maintaining open and active accounts.
Some people could view credit as bad and steer clear of receiving more of it. However, having some form of credit, using it sparingly, and paying it off on time is preferable than having no credit at all.
updated credit activity
Opening a new credit account in your name could indicate that you are having financial difficulties and need assistance. Due to this, some people refrain from getting new credit cards.
However, once you have these new credits, credit scoring algorithms will also take your future behavior into account. Additionally, if you adhere to the terms of payment and make on-time payments consistently, your credit score could improve.


Checking Credit Score Online

Knowing your credit score is now much easier thanks to the internet’s evolution. You can check your credit score for free on many websites to be ready for your upcoming credit application.


What Credit Score Is Considered Good

Despite the fact that the ranges differ depending on the credit scoring algorithm, most lenders will grant loans to borrowers with credit scores of at least 580. However, the closer to 800 your credit score is, the more probable it is that lenders will trust you and believe you are creditworthy. You will therefore have more time to get a loan or possibly a greater credit limit.
People with credit scores of 670 or above are typically seen by lenders as good borrowers or as less risky. As “subprime borrowers,” those with credit scores between 580 and 669 may find it more difficult to obtain better loan arrangements. People with “bad” credit typically have credit scores under 580 and may have difficulty obtaining loans or better loan terms.


Why Credit Score Went Down

You now have a better understanding of credit scores, including how they are calculated, why they are significant, and why you should care. However, did you realize that a variety of factors could have an impact on and lower your credit score? Here is a list of eight things you should stay away from to protect your credit score.
A payment that is over 30 days late
Payment history is a crucial component of credit score, as was previously mentioned. Up to 35% of your credit score’s computations, according to FICO, are made by them.
However, it’s not as if a minor blip will suddenly harm your credit rating. It’s possible that a few days or even a week of late payments won’t appear on your credit record. However, card issuers will report them to the credit bureaus as delinquent after they are 30 days overdue. Your credit score will suffer greatly as a result of this.
More damage will be done to the number if your payment is overdue for more than 60 or even 90 days.
Therefore, it is best to utilize a calendar or even an automatic payment to make sure that your payment is never late when you have many credit loans to manage.
You’ve cancelled a credit card.
There are two factors that can lower your credit score if you close your credit card. First off, closing or losing a credit card results in a reduction in credit limit. The system will assume you are incapable of managing your debts if your credit limit decreases because you will have less credit to handle.
The average duration of your credit history is negatively impacted by closing a credit card, which is the second factor that could lower your credit score. When you close an older account, it may have a bigger impact on your average account age. If it’s not absolutely required, think twice before closing your oldest credit accounts.
Having Your Unpaid Account Marked for Collection
You could believe that a credit score firm solely deals with your credit cards and other loans, but there are other forms of loans as well. Your monthly costs, such as your phone and electricity bills, might also have an impact on your credit score.
When you don’t make timely payments on some of your debts, the service provider may send a copy of your record to a collection agency, which will mark your account. Additionally, having your account flagged by the collection agency would significantly lower your credit score.
You’re submitting a brand-new credit application.
You raise your risk level for the lender when you apply for or are already approved for a new credit account. Additionally, according to FICO, a new credit account application increases your credit score by 10%.
But there’s a catch to this. Your credit score will drop if you apply for a new credit account, but this effect only lasts for a year. In addition, if you don’t make any credit mistakes throughout that time, your compliance will cause your credit score to gradually improve.
Modification of the Credit Utilization Rate
Another important element in evaluating your credit score is your credit utilization rate, which is the percentage of credit that is currently available to you. Even FICO assigns 30% of the overall credit score’s worth to this important factor because it is one of the most important ones.
For instance, a sizable purchase, like a trip or a brand-new piece of furniture, can raise your credit utilization and lower your credit score. Though how much? It fluctuates based on a number of different variables. As a result, make sure your credit usage percentage is 30% or less just to be cautious.
lowering of the credit limit
Even though your spending stays the same, your credit score drops if you hold a balance on a credit card with a low credit limit since your credit utilization goes up.
Consider this: if you have a $10,000 credit card limit, using and paying $3,000 per month means you are only using 30% of your credit limit. But unexpectedly, your credit card company chose to reduce your limit to $5,000. Your credit-to-debit ratio will rise sharply to 60%. Additionally, this hurts your credit score.
So, keep track of your monthly credit card limit and whether it changes suddenly or stays the same. By using a different credit card and reducing your use of the one in question when the limit unexpectedly drops, you can outsmart the situation.
Your credit score will undoubtedly plummet if you file for bankruptcy or are found to be insolvent. But it won’t continue indefinitely. In 7–10 years, bankruptcy will disappear from your credit history, and you’ll probably acquire a new credit card. Unfortunately, let’s say you have a new credit card after declaring bankruptcy. If so, you will find it harder to repair your credit score because you will be judged against others who have never declared bankruptcy.
Identity theft or credit fraud
The last and most heinous reason why your credit score drops is that someone might have stolen your identity and filed for a loan or credit card in your name. It is crucial to continue constantly checking your credit because of this.
You will be able to identify any discrepancies with your credit score by keeping a careful eye on your credit score and credit report. When something unusual happens and you are certain that nothing improper has been done with your credit account, you must report it right away to the credit bureaus. Additionally, if you wish to stop identity theft, you can start by momentarily freezing all of your credit accounts.


Benefit Of Better Credit Score

But why do we require a high credit score? Does having a good credit score—or even a high one—really help?
Credit loans, as well as other types of loans, are not as horrible as people make them out to be. At least on the surface, it appears that even some of the richest people utilize debt to increase their income and “game” the system. What counts is how you use the product to your benefit; it doesn’t matter what it is or what it has accomplished generally.
Because if you have a good enough credit score, let alone an amazing one, you will gain much. Below is the list.
Better chances of receiving a loan
Many people have claimed that every bank despises them. They appear to make little money because all of their credit requests have been denied. Although it’s true that lenders may also consider your income and other debts when determining whether you qualify for a loan, your credit score is just as important—if not more so—than these factors.
It will be simpler for you to obtain credit or a loan if you have a high credit score. If you have a high credit score, you might be able to obtain a lower credit limit despite having a low income.
Lower interest rates on loans
There are several interest rates associated with loans and borrowing money. Your credit score is the main factor affecting interest rates out of a number of factors. You stand the best chance of receiving the lowest interest rate conceivable if you have a high credit score.
A reduced interest rate will make it more difficult for you to repay your loan and will free up more cash for other uses.
Increasing your credit is simple.
Your ability to obtain credit or loans depends on your income level and credit score. It will appear that you are not a good money manager if you make a lot of money but have a low credit score. You will still have trouble obtaining a greater credit limit as a result of this.
The lender is more likely to grant you the highest limit allowed for your income if your income is lower but your credit score is high.
Additional locations to live
The decision of a home is not simple. Where you reside and the quality of construction of your home and its furnishings will determine how comfortable and content your family is. However, because the lender will check your credit score, it can be challenging to obtain a mortgage for a home if you have poor credit.
And isn’t it unpleasant when you’re forced to accept less since your credit score makes it impossible for you to obtain better?
This is why having a high credit score is crucial. You will find it simpler to request a house with a greater price and better location if you have good credit. You could even be able to obtain additional loans to pay for home improvement items.
Cheaper Insurance Rates
Not only will having a strong credit score affect how you handle loans, but it will also improve how you handle insurance. An insurance provider will also calculate your insurance rate and, consequently, the premium you must pay using your credit score. Because the insurance provider is taking on a greater risk by covering you if your credit score is low.
People with fair credit (a FICO score between 580 and 669) spent 39% more for auto insurance, according to a study by insuranceQuotes. And to make matters worse, those with poor credit (a FICO score below 580) had to pay 103% extra.
An improved resume for prospective employers
Some employers run a credit check as part of their background investigation. This is particularly true if you work in finance or have a position that necessitates a security clearance. This is due to the fact that having good credit shows that you can manage your finances and are difficult to bribe.
This is why it’s crucial to check your credit score before to making a job application. Because a low credit score doesn’t always indicate that you’ve made poor financial choices. It can be the case that the data contains an error.
additional charges on your credit card
Additionally, you’ll find it simpler to obtain a credit card or a greater credit limit, and you might qualify for a better credit incentive like a trip or cash back. Lenders will prioritize you higher on their list of clients if your credit score is outstanding or great since they will view you as a more likely borrower.
Possibility to Discuss Loan Terms
A solid credit score also gives you “ammunition” when negotiating loan terms, which is the final benefit. You can take your credit statement to the next lender you visit and use it to negotiate better terms, such as lower rates, longer payment terms, and higher rewards, after several lenders and officials have reviewed your credit score.
How can I raise my credit score?
A high credit score is equivalent to being fortunate. On that, I believe we can all agree. But precisely how can we improve our credit score? You can do a lot of things to raise your credit score, though. One strategy is to always make your loan repayments on schedule. But if you really want a high credit score, follow these steps:
Examine all credit loans.
You must first understand your loans and credit. We meant that you had to list all of your loans and debts when we said that you should “know.” What is the balance, the interest rate, the deadline for payment, and most importantly, how long will it take you to pay them all off?
credit repairPlan out how you’ll pay back your loans.
Finding a way to repay them all is the next step. What on earth does that even mean?
If you know how to utilize your credit card, it’s fantastic to have one. It can raise your credit score if you utilize it responsibly. If your usage rate is low (between 7% and 30% at maximum), the lender will believe you are an excellent money manager. To ensure that the lender can offer you a stellar credit score and report you favorably to the credit bureaus, keep the sum below the credit limit.
In addition to having a modest rate of usage, it’s crucial to settle them each month before the due date.
Purchase A Credit Builder
Another option to improve your credit score is to apply for a credit builder card. A credit card with a limited limit and a high interest rate is a credit booster if you only use it sometimes each month. Even though your credit score will drop when you apply for this new credit, it will eventually improve.
Organize your collections.
If you default on a loan payment for more than 30 days, the lender will give your information to a collection agency. This will significantly lower your credit score. Additionally, this one will always appear and lower your credit score, regardless of how many good credit accounts you have.
Therefore, settle them first before speaking with the lender about this account. Your credit score won’t be significantly impacted once you’re done, and you can resume growing it.
Consult a business to repair your credit.
But what if you’re not familiar with all of that? Or perhaps you lack the resources—both time and money—to conduct extensive research and come up with a plan of action for your debt. Hiring a business that assists people in repairing their credit is the simple solution.


What Is A Credit Repair Company

The phrase “credit repair” implies exactly what it says. It is a company that aids in credit score repair. You might find it challenging to obtain a loan for your business or to buy a home or car due to your poor credit rating. However, if you attempt to fix it on your own, you are at a loss as to where to begin and even what is wrong with your credit score. An organization that fixes credit can step in at this point.
On the other side, credit counseling organizations are typically non-profit organizations whose aim is to instruct you on how to manage your money, debt, and general cash flow.
A credit repair firm is a third-party agency that offers to work on your behalf when you contact the credit bureaus about the concerns with your credit score. They will assist you in removing outdated and inaccurate information, as well as assisting in the gradual improvement of your credit score.


How Does Credit Repair Really Work

The credit repair business will typically start by requesting copies of your credit report from each credit bureau. Next, they will assess and examine the report to see if there are any irregularities. Additionally, they will search for negative marks like charge-offs, tax liens, and bankruptcies.
Then, they will begin formulating a strategy for contesting inaccuracies and haggling with creditors to have those items removed from your report. Please be aware that even though a credit repair firm will make every effort to remove the negative information from your report, they won’t assert anything that isn’t accurate on your behalf.
The business will then advise you on the next steps to take in order to raise your credit score, such as applying for a new, manageable credit card, deciding which credit card to pay in full first, and how to manage your credit moving forward.
How To Locate The Top Credit Repair Firm
There are several credit repair businesses available if you need one. Even if not all of them are legitimate, some could be frauds out to get your money or your sensitive personal information for their own gain. So, these are the three primary criteria you should consider before choosing a credit repair company.
With the credit repair, you will deal with sensitive and private information. Because of this, you must make sure that the credit repair company keeps you informed of the status of their work at all times. An honest and reliable credit repair business will keep you regularly informed about the status of any continuing credit repair work or even any new credit score queries.
Consumer Assistance
A company with exceptional customer service may be advantageous to you and cause you less stress because the credit restoration procedure may take weeks or even more than a month. Good customer service entails giving you a thorough update on your credit repair procedure and properly communicating each step along the way.
Good Scores
When the Better Business Bureau requests a review and rating of their business, a legitimate credit repair company won’t be intimidated. That’s because a positive Business Bureau rating will surely increase a customer’s confidence and trust when making a business decision.
No easy solutions
It’s difficult to restore a credit score that has been damaged for a long time. Both you and the business must invest time and effort into the process. You need to focus on rebuilding your credit score over time in addition to resolving the data dispute in your credit report.
Because there are no quick fixes in credit restoration, a legitimate and respected credit score provider won’t guarantee that they can raise your score in a matter of days.
Money-Back Promises
According to the law, credit repair businesses must provide customers with a three-day, no-questions-asked money-back promise. Some even go so far as to provide a 30- to 90-day money-back guarantee. It’s because a trustworthy and legitimate business will always provide you a money-back guarantee if you’re not happy with the results of their efforts.
No Obligation
You are dealing with private and sensitive information about your financial history when you work on credit restoration. A reputable credit repair business will always remind you to submit the required paperwork because they genuinely want to assist you without putting any pressure on you. At the same time, con artists who merely want to get your information will put pressure on you to respond as quickly as possible.
Red Flags For Companies That Repair Credit
Then, as was already indicated, you should exercise caution because there are scams in the credit repair sector. More than half of the complaints the CFPB received concerning credit restoration contained alleged fraud or scams, the agency stated in a notice dated 2016.
When selecting a credit repair company, you should be aware of the following warning signs:
demanding full money up front before doing any service or even requesting any data
You aren’t allowed to call the credit bureaus on your own and are advised to provide false information in order to repair your credit
You have no legal rights that are explained, and it is impossible to describe each instance of poor credit behavior.
There are a few things that the Credit Repair Organizations Act, or CROA, mandated the credit repair company to undertake in addition to the red flags that the fraudulent companies may raise, such as:
a written agreement outlining all of your legal rights.
letting you cancel within three days of the commencement of the work
before assessing any costs, the credit firm must fulfill its commitment.
You may want to start doubting the credibility of the credit firm you select or are already working with if they failed to fulfill any of these duties.



You can benefit from having good credit in a variety of ways. You will be able to take use of the credit or loan’s benefits up to the limit, pay a cheaper interest rate on loans and insurance, and receive the best customer service from your lenders.
However, if your credit is already poor, it is best and simplest to get assistance from a business that improves credit. A reliable credit repair business possesses all the attributes of an excellent credit repair business and charges a reasonable fee.
unable to locate one? Not to worry! Broadlawn Credit Repair is always available for you. In Broadlawn and the surrounding cities, we are one of the most active credit repair businesses. We have assisted countless clients in repairing their credit histories, and we will do all in our power to assist you in doing the same.
As soon as you contact us, we’ll get to work repairing your credit.