I'm Eli. I read your three credit reports line by line, challenge the items that are inaccurate, unverifiable or outdated, and teach you exactly how to build the score that gets you approved. No scripts, no false promises, no upfront fees.
Free, private, no obligation — and I'll tell you if you don't need me.
What I do
Most credit companies sell you a dispute mill. I do the two things that actually move a score: clean up what's wrong on the report, and fix the habits underneath it.
A full line-by-line audit of your Equifax, Experian and TransUnion reports, then documented challenges to anything that is inaccurate, incomplete, unverifiable or past the legal reporting window.
Deleting items is only half the job. I show you how scoring models actually work and build you a plan you can run on your own long after we're done working together.
What can be challenged
Studies by the Federal Trade Commission have found that a meaningful share of consumers have an error on at least one of their credit reports. These are the items I look at first.
How it works
We sit down — in person, phone or video — and go through your goals and your reports together. Costs nothing, commits you to nothing.
I pull all three bureaus and mark every item that's inaccurate, unverifiable or outdated, then hand you a written plan before any work starts.
Documented challenges go to the bureaus and the furnishers. Bureaus generally have 30 days to investigate. You get a copy of everything.
As items come off, we build the positive side of your file so the score holds — and so you never need a credit repair company again.
About
I started Credit with Eli because too many people in our community get sold hope instead of help — big promises, big retainers, and a stack of form letters nobody explains.
I do this differently. I'll show you your reports on the screen and walk you through what each line means. I'll tell you what I believe can be challenged and what can't. If an item is accurate, current and verifiable, I'll say so — no one can legally remove that, and anyone who promises otherwise is selling you something.
What I can promise is honest work, real communication, and that you'll understand your own credit by the time we're finished. That's the part that lasts.
In their words
“Eli sat with us for an hour before we paid him a dollar. He found two collections that weren't even ours. We closed on our house nine months later.”
“What I appreciated most was that he explained everything. I finally understand why my score moved the way it did — and how to keep it there.”
“He told me straight up that two of my accounts were accurate and couldn't be removed. First person in this business who didn't oversell me.”
Know before you hire anyone
Federal law gives you real protections when you work with a credit repair organization. Any company that hides these from you is the wrong company.
Under the Credit Repair Organizations Act, no credit repair company may charge you before the promised services are fully performed.
You may cancel your contract for any reason within three business days of signing, without paying anything.
Nobody can legally erase accurate, current and verifiable negative information. Any promise of a "guaranteed deletion" is a red flag.
You have the right to dispute directly with the bureaus at no cost, and to a free report each year at AnnualCreditReport.com. I'll show you how if you'd rather.
Questions
No — and be careful with anyone who does. Results depend on what's actually on your report and how the bureaus and furnishers respond. What I guarantee is that the work gets done properly, that you see every document, and that I'll tell you honestly what I think is realistic before you spend a dollar.
Credit bureaus generally have 30 days to investigate a dispute, so most clients see the first round of results within 30–45 days. A full cycle typically runs a few months depending on how many items are involved and how the furnishers respond.
Pricing depends on how many items and bureaus are involved, and I'll quote it in writing after the free review — before any work begins. You are never charged in advance of services being performed, and you can cancel at any time.
Absolutely, and it's free to do so. Some people simply want their time back, want the paperwork tracked properly, and want someone who knows which challenges tend to hold up. If your situation is simple, I'll tell you to handle it yourself.
Filing a dispute does not lower your score. Some scores can move while an item is under investigation or once a disputed item is removed or corrected. Some lenders will ask for disputes to be resolved before final mortgage underwriting — tell me if you're mid-loan so we can time things correctly.
No. I love meeting clients face to face when that works, but the entire process also runs by phone, email and video — I work with clients anywhere in the country.
Your documents are used only for your credit work, are never sold or shared for marketing, and are only provided to the bureaus and furnishers involved in your disputes.
Free consultation
Tell me a little about your situation and I'll get back to you personally — usually within one business day.