New Jersey
+18484596207
support@dearcredit. net

INCREASE YOUR SCORES
DECREASE THE LIMITATIONS
ENJOY THE REWARDS

Let us help you increase your credit scores

WHAT WE DO

It’s Simple. 

We work to increase your credit scores!

Our ultimate goal is to increase your credit worthiness (evidenced by higher credit scores) by providing credit education, credit restoration, and credit building services to improve your overall credit literacy and build positive habits moving forward.

SCHEDULE A FREE CONSULTATION
WHAT’S THE PROCESS?

Restore, Rebuild, Increase!

We know it is hard be denied for credit, a home, job, ar anything else repeatedly. We work to ensure that when you leave our program, you are in the best position to receive consistent approvals, but most importantly, you understand how to leverage your credit in a healthy manner. Individual results may vary.

Free Credit Consultation

Free 15 minute overview of your credit profile. We will discuss your goals and our services to determine if our services will meet your needs.

Credit Analysis

An in-depth audit will be performed. This will help identify the best strategies to increase your credit scores.

Credit Restoration

Every 30-45 days, letters will be drafted and sent to the credit bureaus, creditors, or collectors. Responses, updates, and deletions from prior letters will be tracked in our system. You may track your progress 24/7 via your Client Portal.

Credit Building

Building or rebuilding credit is an important step in the credit restoration process. We will provide education and recommendations for financial products that will boost your credit profile.

MONEY-BACK GUARANTEE

If we are uable to get any items deleted from your credit reports after 3 months of disputes, we will gladly refund you your enrollment fees, upon request.

CERTIFIED PROFESSIONAL

Experienced and dedicated credit consultants are assigned to your file.

NO UPFRONT COSTS

We do not charge up-front costs. You are charged for services after they have been rendered or items deleted.

FREE REFERRALS

We will connect you with other professionals as needed.

CREDIT EDUCATION

Receive free credit tips and education to increase your knowledge so you can build and maintain a healthy credit lifestyle.

CREDIT ANALYSIS

In-depth audit of your credit reports to determine the best strategies to improve your credit health.

CREDIT RESTORATION

Use various techniques to effectively challenge or dispute inaccurate and unverifiable items on your credit reports.

LIFETIME MEMBERSHIP

After completing the credit restoration program, you will be offered access to our lifetime membership program.
*separate fee may apply

WHAT’S THE COST?

You pay $50* for each deleted item!

Enrollment consists of the credit analysis which is $199. After that, instead of paying monthly for a service, you pay us once the deletions start rolling in. We even offer a payment plan!

*per account per bureau

POSSIBLE DELETIONS INCLUDE:

LATE PAYMENTS
BANKRUPTCY
JUDGMENTS
INQUIRIES
PERSONAL INFORMATION (NO CHARGE)
CHARGED OFF ACCOUNTS
COLLECTIONS
TAX LIENS
REPOSSESSIONS
AND MORE…

Rather Do-It-Yourself (DIY)?

We did it, you can too!

At DearCredit, the goal is to increase credit literacy and worthiness by providing credit education, services, and referrals for additional financial resources. By aligning with industry experts, your experience is sure to be nothing less than exceptional.

Ada Swain

Owner

Ada is a certified credit educator and score strategist. She has completed several training programs and earned numerous certifications. Separately, Ada is a Realtor and available to assist you with your real estate needs.

Contact us

We would love to hear from you!