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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 repair process

Understanding The
Credit Restoration Process

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. 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 are met.

Client Updates & Counseling

Each Client has access to a secure portal to track progress. A Credit Specialist will contact you monthly to address items on your report and give insight on how to rebuild your credit scores.

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.

Get Started

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.
Thousands of
Happy Clients
Tens of Thousands
of Deletions
Credit Specialists
Who Care
Relax While We
Do The Work
Choose Your credit plan

Credit Repair Services

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

// by joining our Facebook Group
Free DIY Credit Repair Kit
No Credit Check Builder Accounts
How To Read A Credit Report
Round 1-5 Bureau Investigation Letters
Direct To Creditor Letters
Step-By-Step Instructions For Each Round
Join Now
// per month
Credit Repair Expert Working on Your File
Secured Private Portal with 24 hr Access
Bureau Direct Investigations and Disputes
Monthly call with Processing Team
Access to our Legal Team for Assistance
No Credit Check Builder Accounts
Credit Monitoring
*6-8 Month Average Timeline for
Mortgage Qualification
Enroll Now
// per month
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 call with Processing Team
Four 15 Minute Calls with Personal Credit Coach to Fast Track Restoration Process
Access to our Legal Team 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
Enroll Now
*The timeline for the Professional & Premium Services are averages, every clients credit report is unique and will vary based on a mix of determining factors. Rebuilding positive credit history is a key factor to success.

Want to speak with a credit counselor?

Let us walk you through the credit restoration process and determine if you are a good fit for our program.

Schedule Appointmnet
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