Get Better
Credit Today
Let us help you fix your credit
and increase your credit score.
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We do all the credit repair for you
- Unlimited disputes with all three credit bureaus
- 24/7 online access to check status
- Watch this video that explains our program
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.
- Collections & Charge-Offs
- Repossessions & Foreclosures
- Bankruptcy & Child Support
- Late Payments & Inquiries
It was an incredible experience working with Got Credit? When I started, my credit score was at 480, but with their guidance and expertise, I was able to raise it to 720 in no time and achieve my dream of purchasing my first home.
Beyond that, Got Credit? helped my wife and me build our business credit, enabling us to grow our business to new heights. The process was smooth, effective, and truly life-changing.
A HUGE THANK YOU TO GOT CREDIT? FOR MAKING IT ALL POSSIBLE! - ESMAILIN SANCHEZ
Why Choose Got Credit?
At Got Credit?, we’ve spent the last 15 years helping individuals transform their credit and financial lives. What sets us apart is our affordable and transparent pricing—with no upfront fees and just $100 a month —and our personalized, hands-on approach. We don’t just remove negative items; we empower you with strategies to pay down debt, build positive credit, and understand the key factors that impact your financial health. Our comprehensive service ensures you’re equipped to tackle every aspect of your credit repair journey.
When you work with us, we address inaccurate or outdated negative items on your credit report while guiding you on how to rebuild and strengthen your credit profile. From disputing collections, charge-offs, and bankruptcies to recommending secured credit cards and other credit-building tools, we focus on long-term success. You’ll also benefit from ongoing support, progress tracking, and reminders to adopt smart financial habits, ensuring your credit stays on the right track.
Within 6 to 12 months, you can expect to see significant credit score improvements—typically 50–150+ points—depending on your starting situation. With negative items minimized or removed and a stronger credit history established, you’ll gain access to better financial opportunities, like lower interest rates and approvals for major purchases. Most importantly, you’ll leave with the confidence and knowledge to maintain good credit for the future.Â
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.