Credit repair involves addressing potentially damaging negative items on your credit report. If these items cannot be verified as accurate by the credit bureaus and your creditors, they must be removed. This process is also our specialty.

You have the right to an accurate, fair, and substantiated credit profile under the law. If there are inaccuracies on your credit report, you can correct or repair them by working with the credit bureaus and your creditors.

While we cannot provide guarantees, we can commit to assisting you in addressing any unjust or inaccurate negative items that may be affecting your credit profile.

We cannot provide a definitive timeline as every credit situation is unique. However, our past clients have experienced an average increase of 40 points in just four months*. On average, clients tend to stay with us for about six months.Additionally, Credit Repair Optimum offers various service levels, with more comprehensive credit repair included in higher-tier products. If you're interested in a product with more robust credit repair features, we can discuss those options with you.*Results vary and are not guaranteed

Credit Repair Optimum offers several service levels to suit your specific needs, with some options available at no cost.

Yes, you can. You simply need to reach out to the credit bureaus and your creditors to correct any errors on your credit report. However, this process can be time-consuming and complex. Working with a reputable credit repair company like Credit Repair Optimum can help you swiftly and effectively remove these items from your reports.

Think of credit repair like an investment. A little effort today could save you thousands of dollars (and a headache) tomorrow. We offer a variety of service levels to support every budget. Give us a call today and we’ll help you find the right service for your unique circumstance.

Absolutely. You have the right to a fair, accurate, and substantiated credit profile. Credit repair is just one of the methods available to help you achieve this.

Several factors influence the amount you can be approved for when seeking a business loan, and each provider has its own criteria for determining eligibility.

To get started, you'll need to provide us with key details about your business and your loan requirements. This can be done quickly on our website or by contacting us directly.

After you've selected the lender(s) you're interested in, the application process time can vary based on the product and lender. Being prepared in advance can expedite this process.The lenders we partner with are typically faster than traditional banks. You can see your loan options in seconds.Most offers are provided within 24–48 hours.If you have all the necessary documents ready, you can expect the money to be in your account within days.

Repaying a loan or line of credit can be done in various ways, depending on the lender. Some lenders offer a repayment schedule with fixed monthly installments, while others may be more flexible and accept early repayments.

In some cases, there's a fixed amount to repay, while in others, the repayment amount can vary based on the interest distribution.

Certain lenders allow early repayments without a prepayment penalty. However, there may be additional costs associated with early repayments or paying back the entire amount at once.

For a precise estimate of your repayment options, it's best to apply with us. We can provide more detailed information once we've found the right business finance option for you.

A personal guarantee is a pact between you and a lender, indicating that you are personally liable for the loan or line of credit if your business fails to make payments. Lenders may request a personal guarantee as an added security measure, allowing them to pursue you personally in case of default by your business.While not always required, personal guarantees are frequently utilized, especially for unsecured loans or flexible products like revolving credit facilities.

If you choose to proceed with one of our partner lenders, you'll typically need to provide documents such as recent bank statements for your application assessment. We usually request these documents beforehand to accurately evaluate your request. If you decide to move forward, we'll share them with the lender with your permission.The preferred format for sending your bank statements and other documents is as a PDF (portable document format) file. To obtain your bank statements as PDFs, you can typically download them from your online banking account. If you're unsure how to do this, please contact your bank for assistance. You can then send the PDF documents via email to your dedicated Business Finance Specialist at Funding Options.