STEP ONE
Enroll
We'll give you a professional consultation and credit analysis to see if you are a good fit for our credit repair program.
STEP TWO
Learn New Strategies!
We have a wide assortment of credit-building tools that put you in a position to maximize your credit score!
STEP THREE
See Results
Log in to your personal dashboard where you can see real-time progress and results every step of the way.
HOW WE CAN HELP YOU
We Help Improve Your Credit Scores
By Removing:
Collections Accounts
These happen whenever an account is seriously past due. The creditor decides to sell it to a collection agency and it drastically affects your score. Please do not pay any collections as this will actually decrease your score.
Repossessions
This happens when you fall behind on your vehicle’s monthly payment. It can stay on your report for up to seven years making your financial life more difficult for years. Repo’s are also listed in the public record section of your report.
Charge offs
When a creditor believes that a debt is unlikely to be collected they will write it off as a loss. This does not mean you are off the hook. You are still responsible for paying the debt back, and it also lowers your score drastically.
Late payments
Giving your payments late is very unhealthy for your credit score, especially since payment history makes up 35% of your score. So one late payment can make a huge negative impact.
Hard Inquiries
Each hard inquiry causes a small credit score to decrease. It's important to not run your credit so much since it can be interpreted as an attempt to substantially expand available credit, and create higher risks for lenders.
Student Loans And More!
Bankruptcy, Inquiry removals, Pay-Day Loans, Child-Support, Public Records, and much more!
HOW WE CAN HELP YOU
We Help Improve Your Credit Scores
By Removing:
Collections Accounts
These happen whenever an account is seriously past due. The creditor decides to sell it to a collection agency and it drastically affects your score. Please do not pay any collections as this will actually decrease your score.
Repossessions
This happens when you fall behind on your vehicle’s monthly payment. It can stay on your report for up to seven years making your financial life more difficult for years. Repo’s are also listed in the public record section of your report.
Charge offs
When a creditor believes that a debt is unlikely to be collected they will write it off as a loss. This does not mean you are off the hook. You are still responsible for paying the debt back, and it also lowers your score drastically.
Late payments
Giving your payments late is very unhealthy for your credit score, especially since payment history makes up 35% of your score. So one late payment can make a huge negative impact.
Hard Inquiries
Each hard inquiry causes a small credit score to decrease. It's important to not run your credit so much since it can be interpreted as an attempt to substantially expand available credit, and create higher risks for lenders.
Student Loans And More!
Bankruptcy, Inquiry removals, Pay-Day Loans, Child-Support, Public Records, and much more!
Our Money Back Guarantee
We Have The Best 100%
Money Back Guarantee
We do not remove more than 25% of all negatives worked on
You have had 6 months from the time you retain our services
You have at least 4 negatives on credit report at the time of sign up
You have not used a credit consulting agency nor attempted to repair your credit two years prior.
No new collections, charge offs, derogatory items during service.
All payments have been made on time
Smart Credit/IdentityIQ must be active for time being of services.
You have had 6 months from the time you retain our services
You have at least 4 negatives on credit report at the time of sign up
You have not used a credit consulting agency nor attempted to repair your credit two years prior.
No new collections, charge offs, derogatory items during service.
All payments have been made on time
Smart Credit/IdentityIQ must be active for time being of services.
Our Money Back Guarantee
We Have The Best 100%
Money Back Guarantee
We do not remove more than 25% of all negatives worked on
You have had 6 months from the time you retain our services
You have at least 4 negatives on credit report at the time of sign up
You have not used a credit consulting agency nor attempted to repair your credit two years prior.
No new collections, charge offs, derogatory items during service.
All payments have been made on time
Smart Credit/IdentityIQ must be active for time being of services.
You have had 6 months from the time you retain our services
You have at least 4 negatives on credit report at the time of sign up
You have not used a credit consulting agency nor attempted to repair your credit two years prior.
No new collections, charge offs, derogatory items during service.
All payments have been made on time
Smart Credit/IdentityIQ must be active for time being of services.
SAVE WITH OUR PRICING PACKAGES
Credit Repair
Made Affordable
Other Credit Repair companies charge an average of $300 per deleted item, which can become expensive quickly, considering the average credit report has 11 items that could be removed. We made it affordable by providing UNLIMITED disputes and deletions for a fraction of the cost.
$575
One Time Payment
Inquiry Removal
- or 2 payments of 337.50
- This includes removal of Hard Inquiries from all 3 bureaus.
$975
One Time Payment
Credit Repair & Inquiry Removal
- Payment plans available
- Covers work on all negative accounts and remove inquiries.
$1,275
Credit repair, Inquiry Removal, and a $1k-$5k added account
Credit Repair #1
- Payments- 4 of $375 or 6 of $250
- Work on all negative accounts, remove inquiries, and add a $1,000-$5,000 dollar account to your report. This will give you a very good extra boost at the end of the program since added accounts report positive payment history (payment history is 35% of your score). The account stays on for 30-45 days as open, and then closes and stays on your report as positive payment history forever. This can be good to help you get approved for a small loan or a car.
- *Approvals are not guaranteed! We can get you the credit you need but different factors come into play (monthly income, work history, tax returns, assets, debt to income ratio, etc) speak to your lender about requirements!*
$1,750
Credit repair, Inquiry Removal, and a $10k-$15k added account
Credit Repair #2
- Payments- 6 payments of $325 or 8 payments of $243.75
- Work on all negative accounts, remove inquiries, and add a $10,000-$15,000 dollar account to your report. This will give you a very good extra boost at the end of the program since added accounts report positive payment history (payment history is 35% of your score). The account stays on for 30-45 days as open, and then closes and stays on your report as positive payment history forever. This can be good to help you get approved for a big loan or a house.
- *Approvals are not guaranteed! We can get you the credit you need but different factors come into play (monthly income, work history, tax returns, assets, debt to income ratio, etc) speak to your lender about requirements!*
$1,800
Credit Repair and Inquiry Removal
Couples Package #1
- Payments- 6 of $333.333, 8 of $250, or 10 of $200
- This package is for a couple (2 people) It can be your significant other, sibling, cousin, friend, etc. We work on all negative accounts and remove hard inquiries.
$2,375
Credit repair, inquiry removal, and a 5k-8k added account
Couples Package #2
- Payments-6 of $433.33 8 of $325 or 10 of $260
- This package is for a couple (2 people) It can be your significant other, sibling, cousin, friend, etc. We work on all negative accounts, remove inquiries, and add a $5,000-$8,000 dollar account to both reports. This will give you both a very good extra boost at the end of the program since added accounts report positive payment history (payment history is 35% of your score). The account stays on for 30-45 days as open, and then closes and stays on both of your reports as positive payment history forever. This can be good to help both of your approval odds!
- *Approvals are not guaranteed! We can get you the credit you need but different factors come into play (monthly income, work history, tax returns, assets, debt to income ratio, etc) speak to your lender about requirements!*
WHAT PEOPLE ARE SAYING
Happy Clients
Every Day
Alicia Garza
"Impacto has helped me get from a 500 to a 756!! They also connected me with the best lender after, who helped me get approved for the home of my dreams! I’m a single mom, and when it came to payment options they had the best payment plans available. They saved me so much money in interest and collections! I recommend them to ALL my friends and family! Thank you guys so much"
Marcus Almanza
"I first started with Impacto when I was trying to start a business and didn’t have the personal credit I needed to get approved for a lease. After 5 months I was able to get approved for a beachside condo that I now rent on Airbnb and I’m making well over 6 figures this year! Thank you to Oscar and his wife Alina without this program I wouldn’t have been able to accomplish my vision and dreams!"
Pamela Hernandez
"So far it’s going amazing! I started my credit repair in July. Oscar and Alina have answered all my questions and concerns from day one. I highly recommend their service to anyone who wants to better their credit score. They are absolutely great at what they do. Thank you guys!! Can’t wait for my final results!"
IMPROVE YOUR CREDIT SCORE
Searching for a First-Class Credit Repair Company?
Frequently Asked
Questions
What makes Impacto Credit Services different from the others?
Here at Impacto we are educated and board-certified. Our prices are flat fees while others are monthly subscriptions and have never-ending plans. We work our horses off to get you the results you need fast. There will never be additional charges or never-ending subscriptions with us. We make customer service our priority and work hard to get you the credit of your dreams.
How many points will my score increase?
Again, results vary since everyone has a unique report. Credit is like a fingerprint, everyone has a different one. Depending on what derogatory items you have on your report you can see an increase of around 20-240 points!
What if items get re-inserted or placed back on my credit report, after being taken off?
This has never happened to us but in order to protect you and give you reassurance if anything that we have worked on gets re-inserted onto your report, we will offer the removal for FREE with proof that it got placed back 🙂
Will we be getting frequent updates?
When you become part of our Impacto fam you get 24/7 access to your client portal. You also receive automatic updates every time we send out challenges on your behalf. So you will definitely be updated. If you ever have any questions we are always a phone call away, or you can stop by our office to get a cup of coffee and chat with us.
Is Credit restoration legal?
es, credit restoration is 100% legal and works because of the Fair Credit Report Act law. It gives you the consumer the right to dispute items on your credit report that are inaccurate, obsolete, outdated, or unverifiable.