At Concord Credit, we specialize in helping individuals take control of their financial future.
4.9
from 200+ reviews
Collection Accounts
Remove or resolve old collection debts that drag your score down.
Repossessions
Clear inaccurate repossession records to restore your credit standing.
Foreclosures
Dispute or update foreclosure information to reflect your current status.
Credit Card Debt
Lower utilization ratios and resolve charged-off credit card balances.
Loans
Review and repair inaccurate loan data and payment history.
Credit Card Debt
Lower utilization ratios and resolve charged-off credit card balances.
Medical Bills
Remove or correct unpaid medical collections affecting your score.
Child Support
Resolve outdated or inaccurate child support reports.
Liens & Judgments
Challenge invalid liens or satisfied judgments still showing on your file.
Credit Inquiries
Eliminate unauthorized or excessive hard inquiries.
Every negative mark on your credit report can hold you back from achieving financial milestones — buying a home, getting a car, or even securing a new job.
Our process ensures that every item on your report is accurate, verified, and fair — helping you move toward a cleaner, stronger credit profile.
Our Promise
Pay Only When You See Results
We stand behind our work. You don’t pay until we deliver measurable improvements to your credit profile.
Personalized Credit Strategies
We create tailored plans designed to match your goals and maximize your results.
Proven Track Record of Success
On average, our clients see a 100+ point increase in their credit score within just a few months.
On average, our clients see a 100+ point improvement in their credit score within 90 days — opening doors to lower rates, better opportunities, and more confidence.
Jane Cooper
I went from a 540 to a 710 in 5 months.
Esther Howard
I went from a 540 to a 710 in 5 months.
Jenny Wilson
I went from a 540 to a 710 in 5 months.
Esther Howard
I went from a 540 to a 710 in 5 months.
Robert Fox
I went from a 540 to a 710 in 5 months.
Frequently Asked Questions
Most clients begin to see improvements in their credit scores within 30-60 days of starting our program. However, the timeline can vary depending on the complexity of your credit situation and the number of items that need to be addressed. We provide regular updates throughout the process so you can track your progress.
No, we do not charge any upfront fees. We believe in earning your trust through results, not by collecting money before we've proven our value. Our fee structure is transparent and based on the work we perform on your behalf. You only pay as we deliver results.
Yes, credit repair is completely legal. The Fair Credit Reporting Act (FCRA) gives you the right to dispute inaccurate, outdated, or unverifiable information on your credit reports. We help you exercise these rights effectively and efficiently, using proven legal strategies to improve your credit profile.
While you have the legal right to dispute items on your credit report yourself, the process can be time-consuming and complex. Our team has years of experience and knows the most effective strategies for each situation. We handle all the paperwork, follow-ups, and negotiations, saving you time and often achieving better results than DIY approaches.
Concord Credit stands out through our personalized approach, transparent pricing, and proven track record. We assign a dedicated credit specialist to each client, provide regular progress updates, and use advanced dispute strategies. Our no-upfront-fee policy and money-back guarantee demonstrate our confidence in delivering results for our clients.
