100+ Point Credit Score Increase • Remove Collections • Late Payments • Inquiries | Mon-Sat 8AM-5PM | Downtown San Diego Office
FREE Credit AnalysisAverage 100-250 point FICO increases in 90 days.
850Above Credit Repair San Diego Service delivers average 100-250 point FICO score increases within 90 days through our proven 3-phase dispute process. Phase 1 removes collections, charge-offs, late payments (30-150 points). Phase 2 eliminates inquiries, repossessions (50-100 points). Phase 3 rebuilds with secured cards, trade lines (100+ points). Unlimited rounds until maximum score achieved.
Delete medical bills, credit cards, payday loans.
85% success rate removing collections, charge-offs, medical bills, payday loans, utility collections regardless of age. Multi-round validation disputes, cease & desist letters, consumer statements challenge accuracy, validation, reporting time limits. Works against Experian, Equifax, TransUnion, collection agencies nationwide. Typical 45-day removal timeline.
Eliminate 30/60/90+ day late notations.
Goodwill intervention letters, payment history disputes, direct creditor negotiations remove 30/60/90+ day late payments, public records, foreclosures, short sales from credit reports. FCRA violations exploited against mortgage lenders, credit card issuers, auto finance companies. Score impact: 70-150 points per account removed.
Secured cards, trade lines, lender introductions.
Authorized user trade lines (20+ years perfect history), secured credit cards (Navy Federal, OpenSky), primary trade line placements build payment history rapidly. Lender introductions for mortgages, auto loans post-repair. Score maintenance monitoring prevents future negative items. 90-day rebuild packages $299-$999.
850Above Credit Repair San Diego Service located at 1500-1520 State St, Ste 150, San Diego, CA 92101 specializes in removing negative items from credit reports to achieve 850+ FICO scores. Serving San Diego, La Jolla, Coronado, Chula Vista Monday-Saturday 8AM-5PM.
15+ years experience successfully disputing collections, late payments, bankruptcies, foreclosures, repossessions against Equifax, Experian, TransUnion. 98% client retention rate, 90-day money-back guarantee, unlimited dispute rounds. Average client saves $25K+ on interest rates after score improvement.
Call (619) 354-4291 for your FREE credit report analysis today.
Professional credit repair serving San Diego's top communities:
Average client score improvement within 90 days
Money back if no items removed from credit report
Collections, late payments removed first round
Convenient State Street office Mon-Sat 8AM-5PM
No negative impact! We target only inaccurate/ unverifiable negative items. Legitimate accounts remain unaffected. FCRA compliant process works WITH creditors, not against active payments. Score typically improves immediately upon negative item deletion.
Yes! Post-bankruptcy Chapter 7/13, we remove collections, repossessions, remaining late payments, inquiries. Many clients achieve 750+ scores within 24 months post-discharge. Works excellently for FHA/VA mortgage pre-approval after bankruptcy.
1500-1520 State St, Ste 150
San Diego, CA 92101
Mon-Sat 8:00AM - 5:00PM
Ready to reach 850+ credit?
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