Your Partner for Credit Repair
Stop letting those negative items affect your credit and hold you back.
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Why Choose Got Credit?
For over 15 years, Got Credit? has helped individuals across the country take control of their credit and unlock new financial possibilities. Our reputation is built on transparent pricing, hands-on support, and real results — with no upfront fees, no gimmicks, and a personalized strategy for every client. At just $100/month, we offer one of the most affordable and effective credit repair programs available today.
But we’re more than just a dispute service. We take a comprehensive approach to credit repair and education, addressing the negative items holding you back while also teaching you how to build long-term credit health. From removing inaccurate collections, charge-offs, repossessions, and bankruptcies to helping you establish new lines of credit, reduce debt, and prepare for major financial milestones — our team is with you every step of the way.
Each client receives ongoing guidance from experienced credit coaches, custom recommendations based on their credit profile, and access to our exclusive online portal to track disputes, score changes, and progress. We also help you develop smart financial habits to avoid setbacks and sustain your results.
Whether you’re trying to buy a home, get approved for an auto loan, qualify for business funding, or just stop living paycheck to paycheck, we’re here to make that goal a reality — and equip you with the tools to stay there.
Don’t just repair your credit. Rebuild your future — with Got Credit?
How we can help you.
Got Credit? will dispute inaccurate information on your credit report that is affecting your credit score by disputing the items below with all three major credit bureaus on your behalf. Here is what we provide for you
- Disputes sent to all three credit bureaus
- One-on-one credit coaching
- Monthly support via email, text & phone
- Secure client portal with 24/7 access
- 6-month guarantee
- Credit building assistance
What Counts as a Good FICO® Score?
Standard FICO® Scores typically range from 300 to 850, with scores between 670 and 739 considered “good” by most lenders. FICO also offers specialized scores tailored to specific industries, like auto loans or credit cards, which can range from 250 to 900. Even with these different scales, the categories in the middle remain consistent: a score in the 670 to 739 range is generally seen as good, while higher scores fall into very good or exceptional categories.
What Affects Your Credit Scores?
Your credit score are affected by five categories. Credit scores range from 300 to 850.
Payment History -Â 35% or 192.5 points:Â Consistently paying your bills on time can boost your scores, while late payments, collections, or bankruptcies can significantly lower them.
Debt Utilization - 30% or 165 points: This reflects how much of your available credit you’re using on revolving accounts like credit cards. High balances relative to your limits can negatively impact your scores.
Time in File - 15% or 82.5 points: Lenders look at how long you’ve had credit, considering the average age of your accounts, as well as your oldest and newest credit lines.
Credit Mix - 10% or 55 points: Your credit mix — having both revolving credit (like credit cards) and installment loans (like auto loans or mortgages) — can show you can handle different kinds of debt responsibly.
Inquiries - 10% or 55 points: Applying for or opening new credit accounts can cause short-term dips in your scores, as lenders see this as potential risk.
Ready to get started on our your credit repair journey?
Stop letting those negative items affect your credit and hold you back.
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