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How does credit repair work?

We begin by reviewing your credit history line by line, and trade by trade to expose all potential issues with the reporting. Next, we set up a process to stablish the argument based on our findings of errors.
The credit repair process includes:

1. Analysis of your credit report

We share with you our findings and create a defensive plan of argument to remove the errors from your credit bureau.

2. Disputing your credit

We correspond with the credit bureaus on your behalf and dispute all the errors found.

3. Scale-up a level

For those disputable items that required additional escalation, we have a special team that foresees the process until success is achieved.

4. Credit score building and mentoring

After you have completed the credit repair plan, we will offer you six months free of credit analysis and mentoring to ensure you meet your credit goals.

How does credit repair work?

Our plans to credit restoration

Chireo Credit Restoration offers three (3) plans of credit restoration. All levels of credit repair services have as a common goal to help you identify all mistakes and improve your credit. But, if you goal is buy a house, obtain a mortgage, a car loan, or better interest rates, choose the platinum level.
Most Sold

Platinum Level

$ 130 / m
  • Bureau challenges
  • FICO® score tracker
  • Creditor interventions
  • Cease & desist letters
  • InquiryAssist
  • Identity protection
  • TransUnion® alerts
  • Score analysis
  • ReportWatch
  • Personal finance tools
  • Setup free and $130/Mo. for 6 months
Sign Up

Gold Level

$ 100 / m
  • Bureau challenges
  • TransUnion® alerts
  • Creditor interventions
  • ReportWatch
  • InquiryAssist
  • Score analysis
  • Cease & desist letters
  • FICO® score tracker
  • Identity protection
  • Personal finance tools
  • Setup free and $100/Mo.for 6 months
Sign Up

Silver Level

$ 80 / m
  • Bureau challenges
  • Creditor interventions
  • Score analysis
  • InquiryAssist
  • FICO® score tracker
  • ReportWatch
  • TransUnion® alerts
  • Cease & desist letters
  • Identity protection
  • Personal finance tools
  • Setup free and $80/Mo. for 3 months
Sign Up

Because you deserve a second chance.

Did you know that many errors are found on people’s credit reports today? Let us review your credit report and expose all possible complaints that improperly affect you and damage your credit score

Errors also arise because credit providers do not have sufficient incentives to provide the most accurate data. Half or more of medical bills have a billing error, according to research from NerdWallet. Debt that has been sold to third-party collectors may never be properly accounted for, even when paid.

Read More

Credit Restoration Steps

We Collect Your Information

After we successfully verify your identity we retrieve your credit history and report.

We Analyze Your Negative Items

We analyze the FICO Score and Credit History. Trade line by trade line, and discuse it with you.

We Review Your Credit Goals

If your goal is to improve your credit for better rate or purchase a home, we will work to achieve those goals and even help you connect to Realtor and a Mortgage loan officer. ​

We Recommend a Credit Repair Plan

After We carefully help construct a goal, we begin to question the validity of every single derogatory item in your credit profile. We work with

This is The Total Consumer Debt as 06/2021

$14.9 Trillion

Did you know that one derogatory item in your credit can cost you twice as much or even triple in interest rates?

Here Are The Facts:

  • More than 191 million Americans have credit cards.
  • The average credit card holder has at least 2.7 cards.
  • The average household credit card debt is $5,315.
  • Total U.S. consumer debt is at $14.9 trillion.

"More than one in five consumers have a 'potentially material error' in their credit file that makes them look riskier than they are." 

Begin Now!