Our Services

We raise your credit score by removing negative items from your credit report while giving you sound advice on what you can do to raise your score on your own. Our state of the art web based software system allows you to keep track of the progress of your file 24/7. In fact, every time a change is made to your account, we email you to let you know. You are always involved.

Our service is similar to that provided by a defense attorney. The credit report is no more than allegations. Unfortunately, most people never challenge these allegations. By retaining our services, our clients enter a plea of "not guilty". It is then up to the credit bureaus, collection companies and creditors to perform an investigation. If they claim to have investigated the allegation, we ask them to verify the verification process they used and eventually most allegations are removed.

The credit bureaus do not concern themselves with the impact of any MISTAKES. Information is frequently inaccurate and does not represent the consumer. As a result, good creditworthy citizens are tagged as "deadbeats."
Every court case is unique, just like every credit report is unique. That is why we spend the necessary time drafting personal disputes. Each negative item receives a custom drafted dispute. Our firm does not believe in using form letters.

Our Pricing

Since we work on a case by case basis, please call us for our lowest custom estimate, we only charge AFTER the previous month's services have been completed. Raising you score a mere 20 points can save you hundreds of thousands of dollars over the life of a home loan.

LOW MONTHLY FEE

Our significant experience in helping clients just like you has allowed us to develop some of the most effective strategies and procedures available. As a result, we pass the savings directly to you.

The low monthly service fee of $49.99 takes care of all your services. There is a onetime First Work of $149.99, which also includes the first month, analysis and first round of letters.

Couples pricing is monthly service fee of $79.99 and a onetime First Work fee of $199.99.

What you get at S&R Credit Restoration, LLC:

HIGHLY SKILLED STAFF

This gives us a huge arsenal of information. In addition, we are constantly monitoring laws about credit reporting and adjusting our methods. S&R Credit Restoration eats, sleeps and thinks about repairing bad credit. Lucky for our clients! 

NO FORM LETTERS

We NEVER use form letters. Many so called credit repair firms will use the same letter for ALL their clients. This proves ineffective.

UNLIMITED DISPUTES

Unlike other companies that charge you a fee for each dispute, we offer unlimited disputes at no additional cost. You pay one flat monthly fee, whether it is 10 disputes or 100. We will dispute with the Credit Bureaus as well as the problem creditors or collection companies.

UNLIMITED DELETIONS

Some credit companies charge you a fee for each individual deletion. Our process is geared to protecting your rights. You will never be charged extra for simply doing the job you hired us to do.

NO HIDDEN FEES

Our service is built around being effective and being easy for you. As a result, what you see is what you get. THERE ARE NO HIDDEN FEES. You have enough to worry about in your regular life without having to wonder where the catch is. We are here to make this process easy and free of worry.

CANCEL ANYTIME

Our services are provided on a month-to-month basis, you choose how long or how short a period to employ us. You have the option of canceling at any time, without any extra charges.

FREE - SEMINARS and WEBINARS

We will also have monthly seminars and webinars for individuals to come to either in our office or online.

The purpose is to educate everyone on credit and how to improve their scores. We even give them information on how to repair their credit themselves.

PROVEN RESULTS

Below is the Credit Report Dashboard from one of our clients' accounts. These are actual results from their account.

When we started on this file the lowest credit score was 535 and the highest was 587.  The same client now has the highest score at 685 and the lowest at 645. Every client may not see the same results because every situation is different.

If you give us time we will assist them in removing inaccurate, unverifiable, and outdated information.  

Our Past Success Rates

Just a 20 point FICO increase can mean the difference of tens of thousands of dollars in interest paid over the life of an average priced home. We, and our associates, have a proven track record of raising FICO scores quickly and effectively to give our clients better purchasing power.

There are too many factors that make up the credit score, so it is impossible to give you an accurate prediction of how much your score will increase. Since we do not know for sure which inaccurate items we are going to get removed, it is nothing more than a guess for us to tell our client how much their score will increase, and it would be illegal based on the Credit Repair Organizations Act for us to promise any specific result. As a company we’d rather tell you the truth, educate you, and allow you to make the best decision possible. What we can promise you is our efforts and education are unmatched, and our commitment to ensure your satisfied is what will ensure you’re not only happy about choosing us, but you will also tell others about your great experience working with our team!