Credit score under 640? Lines are open now
Better credit is
one phone call away.
Inaccurate, obsolete, and unverified items on your report cost you approvals — and thousands in interest. One 15-minute call shows you exactly what’s on yours.
4.8
★★★★★
14,000+ Google reviews
This program is ranked #1 by
- Free TransUnion report summary, reviewed with you on the call
- No cost and no obligation — the consultation is free
- A credit consultant explains exactly what can be challenged
Where does yours actually sit?
Free Credit Consultation
15-Minute Credit Review
Free · No obligation · About 15 minutes
What the call includes
- Your TransUnion report summary
- A line-by-line consultation
- Recommended next steps for your situation
- Straight answers to your questions
The helpline is free to call. Programs discussed on the call may have costs, which are explained before you enroll.
◆
Disputes filed with all three credit bureaus
TransUnion
Equifax
Experian
Unlock what a better score opens up
Why do you want to fix your credit?
Whatever your reason, the call is the same fifteen minutes — and it costs nothing to find out where you stand.
Access lower interest rates
Qualify for better loan terms
Get into the home you want
Increase your approval odds
Stop overpaying on interest
Reduce the financial stress
The program’s track record
Nearly two decades of doing only this.
250k+
Clients helped
Americans have worked with the program since 2007 to escape credit problems beyond their control.
19
Years in business
Operating since 2007, focused on one thing: challenging what does not belong on your report.
11k+
Five-star reviews
Across Google, ConsumerAffairs, Money.com and other independent review sites.
How can we help?
We challenge unfair and inaccurate items dragging your score down.
Disputes go to your creditors and all three credit bureaus on your behalf.
Collections
Late payments
Charge-offs
Foreclosures
Bankruptcies
Judgments
Repossessions
Liens
Accurate, current, and verifiable information cannot be removed from a credit report — and no legitimate service will claim otherwise.
How it works
Three steps, about fifteen minutes.
No forms to fill out and no waiting on a callback — you dial, someone picks up.
1
Call the free line
Dial (833) 486-0431 and a credit consultant picks up. Nothing to fill out, nothing to install.
2
Review your report together
You get a free TransUnion report summary and walk through what is actually on it, line by line.
3
Get your options
You hear which items can be challenged as inaccurate, obsolete, or unverified — and what pursuing them involves.
The call itself is always free.
You will never be charged for the consultation, and you are never obligated to enroll in anything. If a paid program makes sense for your situation, the cost and terms are explained to you first.
*Credit service companies cannot promise a result or a specific credit score increase.
4.8
★★★★★
14,000+ Google reviews
Google rating shown is for Credit Saint, LLC, the credit repair program Credit Builder Program refers callers to. Rating and review count as published on Google; both change over time.
FAQ
Straight answers, no pressure.
What does the call cost?
Nothing. The consultation is free and there is no obligation to enroll in anything. You will get your TransUnion report summary, a walkthrough of what is on it, and honest recommendations — even if the recommendation is that you do not need help.
What actually happens on a 15-minute call?
A credit consultant pulls up a summary of your TransUnion report with you, goes through the negative items line by line, and explains which of them may be inaccurate, obsolete, or unverifiable. From there you get recommended next steps for your specific situation, and you decide what you want to do.
Can my score really go up hundreds of points?
Some people see large jumps and some see modest ones. It depends entirely on what is on your report, how many items are challengeable, and how the bureaus and creditors respond. Nobody can promise you a specific number — anyone who does is not being straight with you. The call tells you what is realistic for your report.
Will calling hurt my credit?
No. Requesting and reviewing your own credit information is a soft inquiry and does not affect your score.
What kinds of items can be challenged?
Collections, late payments, charge-offs, bankruptcies, repossessions, foreclosures, judgments, and liens can all be disputed when they are reported inaccurately, are past the reporting window, or cannot be verified by the furnisher. Accurate, current, verifiable information cannot be removed.
How long does the process take?
Credit bureaus generally have 30 days to investigate a dispute. Most people are working on their reports over a period of months rather than days, because items are challenged in rounds as responses come back.
Do I have to sign up for anything?
No. The helpline is free to call and you are never obligated to enroll. If a paid program is recommended, the cost and terms are explained to you before you agree to anything.
Can I do this myself for free?
Yes — you have the right to dispute inaccurate information with the bureaus yourself at no cost, and you can request your free reports at AnnualCreditReport.com. People use a service when they would rather not manage the paperwork, deadlines, and follow-up rounds on their own.
Your score is fixable.
Find out by how much.
If your credit is under 640, one free call tells you what is on your report and what can be done about it — no cost, no obligation, about fifteen minutes.
Free credit review · Lines are open now