Ever wonder how a lender decides whether to grant you credit? For years, creditors have been using credit scoring systems to determine if you’d be a good risk for credit cards, auto loans, and mortgages. These days, other types of businesses — including auto and homeowners insurance companies and phone companies — are using credit scores to decide whether to issue you a policy or provide you with a service and on what terms. A higher credit score is taken to mean you are less of a risk, which, in turn, means you are more likely to get credit or insurance — or pay less for it.

How do you get a free credit report?

Let’s face it, in today’s economy company’s will say anything to get you to buy a service they are selling. Even by telling you it’s free! Trust us when we say there is only one true source for your free credit report.

Watch the video below for more details on how to take the first step in improving your personal credit!

What Makes Up A Credit Score?

On Time Payments

35% of your credit score is determined by how timely you make payments to creditors.


30% of your score is determined by how much of your credit limit you are using. Usually under 30% utilization will not negatively affect your credit. Example: If you have $1,000 credit limit, do not use any more than $300 or your score will take a hit

Length Of Credit History

15% of your score is attributed solely to the average age of all your credit accounts.

Types Of Credit

10% of your score is attributed to the types of credit accounts you hold. Having an even spread of revolving & installment loans and credit cards is important to higher level scores.

New Credit

10% of your score can be affected by having to much new credit. Banks like to give credit to consumers who a responsible, not greedy.

Packages & Pricing

Get Started today for only $149 (initial start up). Choose your monthly package below!


$ 59 / month
  • Personalized Credit Portal
  • Initial Credit Consultation
  • Dispute Up To 5 Inaccuracies on Credit Report per Bureau
  • Customized Credit Action Plan
  • Attorney Reviewed Collection Letters
Sign Up Now


$ 89 / month
  • All Gold Level Items
  • Monthly Review & Consultation
  • Dispute Unlimited Inaccuracies on Credit Report
  • Send Dispute Letters Direct To Creditors
  • Credit Settlement Negotiation (2 Max.)
Sign Up Now


$ 119 / month
  • All Platinum Level Items
  • Weekly Review & Consultation
  • Immediate & Agressive Disputes Sent Directly To Creditors
  • Expedited Case Management
  • Unlimited Creditor Settlement Negotiation
Sign Up Now

Did you know?

% of People Have
Deletion Success
% of People Have
Incorrect Items On Credit Report
AVG Days To
Increase Credit Score


Reviewed: Personal Credit Repair

I have worked with many people in the past and no one has ever made me feel as comfortable as my consultant at CRI.

Reviewed: Personal Credit Repair

I was referred to CRI, and within months of working with them I was able to get my score at a level where I could purchase the car without a co-signer.

Reviewed: Personal Credit Repair

With his ten years experience in finances, Avion has demonstrated quality performance for me. Although my journey at times has been rough, it is nice to have someone I can trust.

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