How to Repair Your Credit

Credit Repair... Our Credit Repair Service is Superior to all others.

When looking to repair your credit or remove inaccurate negative items from your credit report you can be sure we will give you the honest answers you need for CREDIT REPAIR by Payment Systems.

We will custom tailor a remedy for your individual needs, negotiate with creditors,

DISPUTE INACCURATE INFORMATION and keep you informed!

Use Our Service to:

Update, fix, repair and monitor your credit for you.

WE WILL DISPUTE ANY ITEM FOR YOU!

It is 100% legal to challenge ANYTHING on your credit report . The law allows you to request a reinvestigation of information in your file and dispute as inaccurate or incomplete.

What We Do For You
Our service is performed where we review with you the reports that Trans Union, Equifax and Experian have about you. Remember, there are no legal ways to "fix" your credit, make a "New Credit File" or Delete accurate information. The only way to improve your credit score is to remove incorrect negative information, remove accounts, debts and judgments that are past the legal time limit. Then pay your bills on time, do not use your entire line and keep your accounts monitored. Only time and effort will bring your score up and our paralegal staff can help.

1. Help you obtain your Credit Profile /Credit Report. 
We require you to have a credit report not more then 2 weeks old for accuracy.
It may be obtained via AnnualCreditReport.com.

 2. Review the Credit Report.
 Once you obtain the credit report we discuss it with you. Then we further review it on our own, make notes and forward it to you. We then verify all accounts and disputes you have in preparation of filing disputes.
Demand debts to be Validated! They Must prove in writing that the debt is owed!

 3. Data Base & Tracking
 We enter all information in our state-of-the-art software where we produce all necessary documents, archive and schedule dates to expect responses.

 4. Your Approval
 We forward all prepared documents to you with credit report attached for your final review.
Once you approve you will drop in the mail in our postage included Priority Mail w/ proof of delivery receipt.  Detailed List of Service 

5. Your Records
 We include in your delivery a CD-Rom copy of every document and proofs of mailing. Along with tips on increasing your credit score once the disputes are settled.

 6. RESULTS!
 We do not take no for an answer! Once you receive the updated credit reports we make sure your demands were met! If there are legitimate issues that they refuse to remove we will demand a 24 hour removal. If they fail to do so you may opt to file a formal complaint with the Federal Trade Commission. (They will comply when they realize we are serious).

  • CREDIT REPAIR, there is no secret to it; in fact we'll tell you how to repair your credit.


  • Credit Repair is 100% legal, using a third party such as Monarch Credit Repair is also legal.


  • You have the right as you will find in the Consumer Credit File Rights and more in our company introduction.
Everything that we do for Credit Repair you can do on your own. The only difference is that we have the time and experience it takes to obtain results to repair credit. 
You can repair Credit on your own and reach the same goal as we can, but the question is; do you have the time for Credit Repair, the resources to repair bad credit, and the relentlessness to stay on top of the creditors, on top of the credit reporting agencies and file motions if needed?

Call Now for Credit Repair Help  (800) 839-4109 Ext 375

NJ Credit Repair Office:
1445 US Highway 130
Suite7
North Brunswick, NJ 08902

FL Credit Repair Office:
2512 Orient Road
Tampa, FL 33619

Mail To:
PO Box 274
Venice, FL 34284-0274

Search these keywords:

florida credit repair,  new jersey credit repair, repair my credit, credit report, dispute credit report, fix my credit, credit repair service legal credit repair, credit repair information, rebuild my credit.

Credit Repair Credit Score Letters Dispute Credit Report in Alaska Alaska AK Juneau Arizona Ariz. AZ Phoenix Arkansas Ark. AR Little Rock California Calif. CA Sacramento Colorado Colo. CO Denver Connecticut Conn. CT Hartford Delaware Del. DE Dover Florida Fla. FL Tallahassee Georgia Ga. GA Atlanta Hawaii Hawaii HI Honolulu Idaho Idaho ID Boise Illinois Ill. IL Springfield Indiana Ind. IN Indianapolis Iowa Iowa IA Des Moines Kansas Kans. KS Topeka Kentucky Ky. KY Frankfort Louisiana La. LA Baton Rouge Maine Maine ME Augusta Maryland Md. MD Annapolis Massachusetts Mass. MA Boston Michigan Mich. MI Lansing Minnesota Minn. MN St. Paul Mississippi Miss. MS Jackson Missouri Mo. MO Jefferson City Montana Mont. MT Helena Nebraska Nebr. NE Lincoln Nevada Nev. NV Carson City New Hampshire N.H. NH Concord New Jersey N.J. NJ Trenton New Mexico N.M. NM Santa Fe New York N.Y. NY Albany North Carolina N.C. NC Raleigh North Dakota N.D. ND Bismarck Ohio Ohio OH Columbus Oklahoma Okla. OK Oklahoma City Oregon Ore. OR Salem Pennsylvania Pa. PA Harrisburg Rhode Island R.I. RI Providence South Carolina S.C. SC Columbia South Dakota S.D. SD Pierre Tennessee Tenn. TN Nashville Texas Tex. TX Austin Utah Utah UT Salt Lake City Vermont Vt. VT Montpelier Virginia Va. VA Richmond Washington Wash. WA Olympia West Virginia W.Va. WV Charleston Wisconsin Wis. WI Madison Wyoming Wyo. WY Cheyenne

(800) 839-4109 Ext 375

What do we do?

We will at no cost to you review your credit report. We will then give you an agreement in writing informing you of the items we can address.

• Delete

• Correct

• Dispute and possibly remove / change

• Dispute but most likely will remain.

HONESTY -We will put in writing the results to expect. If your results are not what we promise, you will be refunded or not charged for our service.

When you use another Credit Repair Company you have no idea if they actually filed the disputes.

We prepare your entire Credit Dispute file; send it to you so you can review it, you double check our work then you personally mail it in Pre-Paid Postage Priority Envelopes with Receipt of Delivery ready to go upon your approval to the credit report bureaus!

That's right! We are so sure of our credit repair work we include the entire packet together with a list of items we guarantee will be removed or updated and what to expect. Not to mention we also give you the entire file on a CD-Rom for your records.

Credit Repair can make things a lot easier on you. Repairing bad credit is not easy, but you should repair your credit if you want to get back on your feet again. Our experience comes from dealing with the Courts and Credit Reporting Agencies on a daily basis as we search accuracy for judgments, liens, charge-offs, creditors etc. In the same way we use this information to collect money we use this experience to correct and improve your credit report.

Do not accept False Promises - If you decide to use a credit repair company ask what results they expect for you and get it in writing!


File Segregation:
New ID Is a Bad Idea
If you have filed for bankruptcy, you may be the target of a credit repair scheme called “file segregation.” In this scheme, you are promised a chance to hide unfavorable credit information by establishing a new credit identity. That may sound perfect, especially if you’re afraid that you won’t get any credit as long as bankruptcy appears on your credit record.

The problem: “File segregation” is illegal. If you use it, you could face fines or even a prison sentence.

The Truth

No one can legally remove accurate and timely negative information from a credit report. The law, does however allow consumers to request an investigation or reinvestigation of the facts and information in your credit file that you dispute as inaccurate or incomplete. There is no charge for this investigation.

Everything a credit repair clinic can do for you legally, you can do for yourself at little or no cost.

Reporting Negative Information

  • Bankruptcy information can be reported for up to ten years.
  • Information reported because of an application for a job with a salary of more than $20,000 has no time limit.
  • Information reported because of an application for more than $50,000 worth of credit line or life insurance has no time limitation
  • Default information concerning a US Government insured or guaranteed loan can be reported for seven years after certain guarantor actions
  • Information concerning a lawsuit or a judgment against you can be reported for seven years or until the statute of limitations runs out, whichever is longer


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