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Our Goal

Approved Credit Resources is here to help you get a fresh start and meet your credit and financial goals. Our Credit Specialist will not only go after all inaccurate negative items on your report, they will guide you on rebuilding credit history.

Knowledge is power. Educating each client on the how and why of credit is an essential part of our Credit Repair & Credit Rebuilding Process. Guiding families nationwide to success is our main focus.

What is Credit Repair?

We speak to thousands of potential clients every year and the main question is, what is Credit Repair? The basic answer is improving your credit score by analyzing your report for inaccurate information and using the rights given to you by the Fair Credit Reporting Act (FCRA) to delete that information. The credit bureaus have to follow these laws but place the responsibility on the consumer to ensure their credit report is accurate.

Approved Credit Resources offers 3 different types of Services from a DIY Kit to Premium Services. We understand that not everyone has the time or knowledge to handle this task on their own. Our Credit Specialists, with years of experience, will identify and dispute inaccurate information on your behalf. If you do have time make sure to check out the DIY Kit.

Credit Restoration Process

We use a proven 4 step process to rebuild your credit

Credit Report Audit

Our Credit Specialists will determine the best path to remove problematic items hurting your credit score after reviewing your credit report.

Credit Disputing

Our Credit Specialists will create the proper dispute letters and correspond with the Credit Bureaus and Furnishers. These letters will challenge inaccurate negative items on your report.


Depending on the response from the Credit Bureaus, we continue the process to ensure your rights through the Fair Credit Reporting Act, Fair Debt Collection Practices Act and other consumer credit reporting laws are met.

Client Updates & Counseling

Each Client has access to a Credit Counselor who assists in tracking your progress and guiding you along the way. Your Credit Counselor will contact you throughout the process to address specific items on your report and give insight on how to rebuild your credit scores with positive trade lines.

How Long Does Credit Repair Take?

How long does credit repair take is probably the most asked question of potential clients. No credit report is the same and any company that states a definitive time is just plain lying. Credit Repair is a process and depending on how many scars you have on your report will determine the length of time it takes to improve your credit profile.

On average our clients utilize our service for 6 months. The main factors that will determine if this is longer or shorter is how many negative accounts and how many open positive accounts that are reporting on your report.

Do I Have Credit Rights?

Knowing your rights when it comes to credit is essential to understanding how to fix certain items that impact credit scores and the requirements the Credit Bureaus and other financial institutions have to follow. The Fair Credit Reporting Act (FCRA) is a set of laws to protect the consumer by governing the Credit Bureaus and furnishers of credit information. Below are just a few laws of how the FCRA helps consumers.

  1. The FCRA gives you the option to opt out of the pre-screened offers of credit you receive.
  2. The FCRA gives you the right to be told if information in your credit file is used against you to deny your application for credit, employment or insurance.
  3. The FCRA also gives you the right to request and access all the information a consumer reporting agency has about you. You can get one free file disclosure every 12 months from each national credit bureau through annualcreditreport.com
  4. The FCRA gives you the ability to put a security freeze on your credit report, which ensures that potential lenders cannot check your credit report without you first lifting the freeze or providing the specific lender with a one-time PIN to access your credit report.
  5. If you find what you believe to be inaccurate or incomplete information on your credit report, you have the right to dispute it. The credit bureau will then contact the data furnisher to confirm whether the information is correct. If it's not, the credit bureau will either correct it or remove it within a certain time period.

Approved Credit Resources is well versed with all laws pertaining to credit. We will leverage these laws on your behalf to help you start rebuilding credit and get your finances back on track. Using these laws is critical for producing results and forcing the Credit Bureaus and Creditors to follow the laws set in place. Remember, knowledge is power.

Approved Credit Resources will leverage the rights given to consumers
by the FCRA to better your credit standing.

Credit Repair Services

Choose from the 3 options below
Take the necessary actions to meet credit and financial goals

// one time purchase
$29 Discount - Read Below*
DIY Credit Repair Kit
How To Read A Credit Report
Credit Builder Accounts
Personal Information Dispute Tactics
Round 1-5 Bureau Investigation Letters
​Many More Item Specific Letters
Factual Dispute Letters
​Much Much More
Learn More
// per month
$500 Credit towards closing cost on Home Purchase**
Credit Repair Expert Working on Your File
Secured Private Portal with 24 hr Access
Bureau Direct Investigations and Disputes
Monthly Progress Report Call
Email access to your Processor for Assistance
No Credit Check Builder Accounts
Credit Monitoring
10-14 Month Average Timeline for
Mortgage Qualification
Call Now
// per month
$500 Credit towards closing cost on Home Purchase**
Credit Repair Expert Working on Your File
Secured Private Portal with 24 hr Access
Bureau Direct Investigations and Disputes
Creditor Direct Investigations and Disputes
Monthly Progress Report Call
Personal Credit Coaching to Fast Track Restoration Process
Email access to your Processor for Assistance
Collection Cease and Desist Communication on Request
Guidance for Building/Rebuilding Positive Credit for Your Specific Needs
Credit Monitoring
4-6 Month Average Timeline for
Mortgage Qualification***
Call Now
Just A Few Mortgage Lenders That Trust Us With Their Clients Credit Restoration