Remove Negative Items From Your Credit Report — Results in as Little as 2 Weeks
Simple 3-Step Process
How It Works
Book Your Consultation
Schedule your consultation call. We review your credit report together, walk you through what items may be disputable, and explain your options — before you pay anything.
- Takes about 30 minutes
- We pull your report — no hard inquiry
- You'll know exactly what we can do before committing
We Do All The Work
Our team disputes negative items across all 3 bureaus on your behalf — 100% done for you. Individual results vary based on your credit profile and bureau responses.
- Targeted disputes — not generic templates
- We handle rejections, escalations & follow-ups
- You get updates every step of the way
Watch Your Score Progress
Clients can see responses as fast as 24–72 hours on Experian, 10 days on TransUnion, and 14 days on Equifax. You get updates every step of the way. Individual results vary based on your credit profile.
- Experian: responses as fast as 24–72 hrs
- TransUnion: typically 10 days
- Equifax: typically 14 days
Aggressive Dispute Process
We dispute on your behalf across all 3 bureaus. Results vary by client — we cannot guarantee specific outcomes, but our track record speaks for itself.
Exactly What Happens
On Your 30-Minute Call
We know the #1 reason people don't show up is not knowing what to expect. So here's the exact agenda — minute by minute.
Live Credit Report Review
0–5 minWe pull up your reports from all 3 bureaus right on the call. You see exactly what we see — every negative item, every account, every inquiry.
Dispute Opportunity Analysis
5–15 minWe go line by line and identify every item that may be inaccurate, unverifiable, or outdated under the FCRA. We explain what we can dispute and why — in plain English.
Your Personalized Roadmap
15–25 minWe build your action plan on the spot — which items to target first, realistic timelines for each bureau, and what score improvement may look like. No vague promises.
Open Q&A — No Pressure
25–30 minAsk anything. How does billing work? What happens if a bureau pushes back? What should I do in the meantime? We answer everything honestly — even if the answer is "we can't help you."
There is no sales pitch.
We don't do high-pressure closes. If we can help you, we'll show you exactly how. If we can't, we'll tell you that too — and point you in the right direction. Either way, you leave with more clarity than you came in with.
Real Client. Real Results.
193 Points Added — 48 Items Removed
Individual results vary. This is one documented client outcome — not a guarantee of what you will experience.
Joshua S.
Verified Client
"Shout out to A+ Emergency Credit Repair. They are legit, I had 48 negative items removed & a 193 point boost on my credit within 8 weeks. I saw results as fast as 2 weeks & I am grateful. Thank you."
— Joshua S., verified client
Score Progression
First Results
Items removed
Items Removed
Negative items
Score Boost
All 3 Bureaus
Negative Items Removed
Results shown are from a real client file. Individual outcomes vary based on credit profile, bureau response, and other factors. No specific result is guaranteed.
See If You QualifyBefore & After:
Real Transformations
These are real client stories. Names used with permission. Individual results vary — your outcome depends on what's on your report and how bureaus respond.
Maria T.
Goal: Home Purchase
Before
"Denied for a mortgage. Lender said she needed at least a 620 to qualify for FHA financing."
After
I had given up on buying a house. They removed things I didn't even know were disputable. I closed in 47 days.
— Maria T.DeShawn R.
Goal: Auto Loan
Before
"Paying 24% APR on a car loan. Wanted to refinance but couldn't qualify for anything better."
After
I was paying $187 more per month than I needed to. That's over $2,000 a year. This paid for itself in the first month.
— DeShawn R.Priya K.
Goal: Job Offer
Before
"Background check failed for a financial services job. Employer required clean credit."
After
I almost lost a $75,000 job offer because of a $340 collection I didn't even know was there. They fixed it in 38 days.
— Priya K.*Results shown are representative of individual client experiences. Individual results vary based on the nature of items on your credit report, bureau responses, and your financial behavior. Past results do not guarantee future outcomes.
Get Your Free Strategy CallReal Results. Real Clients.
Don't just take our word for it — see what our customers are saying
We remove negative items from all 3 bureaus
What Our Clients Say
"Shout out to A+ Emergency Credit Repair. They are legit, I had 48 negative items removed & a 193 point boost on my credit within 8 weeks. I saw results as fast as 2 weeks & I am grateful. Thank you."
Joshua S.
"Boom! Bought a Toyota Camry! Thanks to A+ Emergency Credit Repair. 260 negative items have been deleted off my credit reports. My credit score boosted 472 points which is freaking insane! I would definitely recommend hiring this company if you are serious about fixing your credit."
Levera H.
"Steve just finished my credit & I am so excited! At first I was hesitant, but Steve answered every question I had and made the whole process smooth. He was able to delete 9 negative accounts! I would definitely recommend!!"
Renee I.
"I had 18 negative items removed off my credit report. 89 point boost across all 3 bureaus. Got approved for a $20,000 credit card from Navy Federal Bank. I recommend A+ Emergency Credit Repair through the Expedited Services any day! God Bless!"
Jamila L.
"A+ Emergency Credit Repair has done wonders for my credit score. Steve was able to delete 274 accounts and inquiries off of my credit report and boosted my credit scores by 120 points with all 3 bureaus. At first I was very skeptical but I'm glad I went ahead with it. I am grateful and very happy with the outcome."
Feliciana R.
"A+ Emergency Credit Repair is legit & your money will be placed in the right hands. I received a 114 point boost across all 3 bureaus. I had 113 negative items deleted all together within a short period of time. If you are thinking about doing business with this company, then stop thinking and just do it!"
Nehemiah D.
"Omg Steve has finished fixing my credit! I was scared at first but I went ahead — best decision ever! He was very transparent, patient, understanding and very informative. I had 9 accounts and he fixed it!!! If you need your credit fixed, I highly recommend Steve. I promise you won't regret it."
Brittany B.
"A+ Emergency Credit Repair is amazing! I have 700+ credit scores across all 3 bureaus now. 51 negative items deleted off my credit report within a short period of time. My credit went up 231 points across the board. Hands free service. Highly recommend these folks!"
Billy R.
"I just want to let you know that A+ Emergency Credit Repair is the Real Deal!! Like No Joke! They removed negative items off my credit in one month and my score boosted 193 points across all 3 bureaus! They are worth every penny! Don't hesitate to sign up with them."
Andre H.
"This is an excellent company. Steve is the man! Transunion has been cleaned out from collections & inquiries. 25 negative items have been removed. Total of 170 point boost across all 3 bureaus. I would recommend this company to any and everyone."
Dominic S.
"I've only been working with this company for a little over a month and my credit scores have increased 200 points across all three bureaus."
Cynthia T.
"A Plus Emergency Credit Repair is the real deal. I've dealt with a bunch of credit repair companies in the past and all they did was lie & take my money, but with them they told me 2 weeks I would see the difference and I did. I went from 655 to 800 in a matter of 2 weeks."
John A.
"Awesome job, I was hesitant about it at first. 15 negative items deleted so far, 8 this month alone. 121 point boost across all 3 bureaus. Keep up the good work. I'm proof that they can bring results."
Darren C.
"This is a great company! They deliver as promised & even exceeded my expectations. For anyone looking to have negative accounts deleted and inquiries removed, I highly recommend them as your one stop shop on the way to raising your credit scores!"
Hanifah L.
"A Plus Emergency Credit is great! They were able to delete 45 negative items in one month."
Jquan D.
"I need everybody to know this company is legit! A+ Emergency Credit Repair deleted 122 negative items off my credit within 4 weeks. I received a 173 point boost. 85% of my items were deleted. This is unreal. If you want to turn your life around then just sign up with these folks. Period."
Dustin B.
"My credit score went up 289 points & 29 negative items were removed from my credit. In other words, if you want to boost your scores or have negative items deleted off your credit, then hire A+ Emergency Credit Repair!"
Maria D.
"A+ Emergency Credit Repair is the truth! 13 negative items deleted since I started. 95 point boost across all 3 bureaus. I'm very grateful & I just want to say that you don't need to think twice about signing up with this company!"
Amesha W.
The A+ Credit Mastery Guide
Free — Exclusive Strategies7 proven strategies our clients use to build and protect 700+ scores — including tools, services, and exclusive A+ products available nowhere else.
Keep Every Card at 1–5% — Automatically, Forever
Get Commercial Cards Up to $50,000 — Your Score Is Protected
Custom Permanent Tradelines — Up to $99,000 / 99 Months
Credit Builders: Stack Positive History Month After Month
Stop Bleeding Points on Hard Inquiries
Diversify Your Credit Mix for Maximum Score
Monitor All 3 Bureaus — Catch Problems Before They Cost You
Ready to implement all of this with expert guidance?
Book a free consultation — we'll build your personal credit roadmap on the call.
Credit Karma Results
Real screenshots from real clients — unedited
Screenshots shared with client permission. Individual results vary based on credit profile and bureau response times.
DIY Credit Repair vs.
A+ Emergency Credit Repair
You can dispute items yourself — it's your legal right. Here's an honest look at what that actually involves vs. letting us handle it.
Time Investment
20–40 hours researching FCRA rules, writing letters, tracking responses
We handle everything. You spend about 30 minutes on the initial call.
Time Investment
20–40 hours researching FCRA rules, writing letters, tracking responses
We handle everything. You spend about 30 minutes on the initial call.
Bureau Response Handling
Bureaus often send form rejections. Most people don't know how to escalate.
We know exactly how to respond to rejections, request method of verification, and escalate.
Bureau Response Handling
Bureaus often send form rejections. Most people don't know how to escalate.
We know exactly how to respond to rejections, request method of verification, and escalate.
Knowledge Required
Must understand FCRA §611, §623, dispute procedures, and creditor obligations.
We bring 7+ years of dispute experience. You don't need to know any of it.
Knowledge Required
Must understand FCRA §611, §623, dispute procedures, and creditor obligations.
We bring 7+ years of dispute experience. You don't need to know any of it.
Speed
Bureaus have 30–45 days to respond. Without follow-up strategy, cases stall.
Experian results in as fast as 24–72 hrs. We follow up aggressively on all 3 bureaus.
Speed
Bureaus have 30–45 days to respond. Without follow-up strategy, cases stall.
Experian results in as fast as 24–72 hrs. We follow up aggressively on all 3 bureaus.
Dispute Strategy
Generic dispute letters are often ignored or auto-rejected by bureau systems.
Targeted, item-specific disputes based on what's actually disputable under the law.
Dispute Strategy
Generic dispute letters are often ignored or auto-rejected by bureau systems.
Targeted, item-specific disputes based on what's actually disputable under the law.
Emotional Stress
Dealing with bureaus and creditors is frustrating, confusing, and time-consuming.
We absorb all of it. You check in for updates — we handle the back-and-forth.
Emotional Stress
Dealing with bureaus and creditors is frustrating, confusing, and time-consuming.
We absorb all of it. You check in for updates — we handle the back-and-forth.
Cost
Free — but your time has value. Most people give up before seeing results.
Transparent monthly fee. No upfront charges. Cancel anytime (3-day federal right).
Cost
Free — but your time has value. Most people give up before seeing results.
Transparent monthly fee. No upfront charges. Cancel anytime (3-day federal right).
Bottom line
DIY is your legal right and it's free — but most people give up after the first rejection letter. We've handled over 1 million disputes and know exactly how to respond when bureaus push back. The consultation is free. You'll know within 30 minutes whether we're the right fit.
The consultation is free. You'll know within 30 minutes whether we're the right fit.
Book Your Free ConsultationWhat We Do For You
Everything Done For You
No templates. No DIY letters. A real team working your file until your score is where it needs to be.
Aggressive Dispute Process
We dispute negative items across all 3 bureaus — Equifax, Experian, and TransUnion. Collections, charge-offs, late payments, repossessions, and more. Results vary by client profile and bureau response.
- Collections & charge-offs
- Late payments & derogatory marks
- Repossessions & judgments
- Unauthorized hard inquiries
Positive Credit Building
We help you add positive credit lines to your report. More positive history can mean a higher score, better loan approvals, and lower interest rates. Individual results vary.
- Authorized user tradelines
- Secured card strategy guidance
- Credit utilization coaching
- Age-of-account optimization
Done-For-You Service
You don't lift a finger. We handle every dispute, every letter, every follow-up. You just watch your score climb.
- We write & send every letter
- We respond to bureau rejections
- We track every open dispute
Transparent Process
We dispute aggressively on your behalf and keep you updated every step of the way. Individual results vary — we cannot guarantee specific deletions, but our track record of over 1 million removed items across all 3 bureaus shows what's possible.
- No hidden fees — ever
- Cancel anytime (3-day federal right)
- Regular progress updates
- Written contract before we start
Your Questions, Answered
We answer the questions other credit repair companies avoid.
Industry Warning
Claims That Should Make You Walk Away
The credit repair industry is full of companies making promises that are either illegal, impossible, or designed to take your money. Here's what to watch out for — and why these claims don't hold up.
We dispute across all 3 bureaus
Varies by profile
Score impact is individual
FICO and VantageScore models weigh 20+ variables. Two people with the same item removed can see completely different score changes.
30–45 days
Legal bureau investigation window
Under the Fair Credit Reporting Act (FCRA), bureaus have 30–45 days to investigate a dispute. No company can override this federal timeline.
15 U.S.C. § 1681
The FCRA governs what can be removed
The Fair Credit Reporting Act defines exactly which items must be removed (inaccurate, unverifiable, outdated) and which can legally remain. No company can override this law.
"Guaranteed 150-point score boost"
Credit scores are calculated by algorithms that weigh dozens of factors — payment history, utilization, account age, credit mix, and more. Removing negative items is only one input. A person with 2 accounts and a thin file will respond differently than someone with 20 accounts and high utilization. No one can predict the exact point movement for any individual before seeing their full credit profile.
"100% of negative items removed — guaranteed"
Bureaus are only required to remove items that are inaccurate, unverifiable, or outdated. Accurate negative items — a real late payment, a legitimate collection — can be disputed but may be verified and remain. Any company promising 100% deletion is either lying or planning to use illegal tactics that could expose you to fraud liability.
We Tell You What's Realistic — Before You Pay Anything
On your consultation call, we review your actual credit profile and tell you exactly what can be disputed, what the realistic timeline looks like, and what outcomes are possible for your specific situation. No hype. No pressure.
Book Your ConsultationThe Real Cost of Bad Credit
Every day you wait,
bad credit costs you money
Most people think credit repair is expensive. The truth is — bad credit is far more expensive. Here's exactly what a low score costs you in real dollars.
Mortgage
$250,000
Score ~620
7.8%
APR / outcome
Score ~760
6.2%
APR / outcome
You overpay
$278/mo · $3,336/yr
$0
extra over 30 years
Auto Loan
$35,000
Score ~620
14.2%
APR / outcome
Score ~760
5.8%
APR / outcome
You overpay
$152/mo · $1,824/yr
$0
extra over 5 years
Credit Card APR
$8,000 balance
Score ~620
28.9%
APR / outcome
Score ~760
17.4%
APR / outcome
You overpay
$77/mo · $924/yr
$0
extra per year in interest
Background Checks
Job / Apartment
Score ~620
Denied
APR / outcome
Score ~760
Approved
APR / outcome
Denied for jobs, apartments, and loans — no dollar amount can capture this loss.
Total extra cost of bad credit (mortgage + auto + credit card)
$110,124+
That's what a low credit score costs the average American over their lifetime — in interest alone.
Free consultation · No credit card · No obligation
Rate comparisons based on national averages. Individual rates vary by lender, loan type, and credit profile. Not financial advice.
Set a Reminder for
When You're Ready to Start
Life gets busy. If you're not ready to start today, tell us when you plan to — and we'll send you one email the day before as a nudge to book your free call.
Pick any future date — we'll remind you the day before
One email only — no spam, no drip campaigns
Your free consultation will still be waiting for you
Not ready yet? Set a reminder.
Pick your start date — we'll send one reminder the day before. No drip, no spam.