Recover your credit.
Recover your options.
We remove errors and negative accounts from your Equifax, Experian, and TransUnion reports so you can qualify for your home, car, or personal loan.
How we work
Four steps. No shortcuts or magic promises. We apply the protections federal law already gives you.
Report analysis
We pull your three reports (Equifax, Experian, TransUnion) and audit them line by line to identify errors and opportunities.
Certified disputes
We send formal dispute letters under the Fair Credit Reporting Act. Each negative account is challenged with the proper documentation.
Monthly progress reports
You get access to a portal where you can see each disputed account, its status, and the changes in your score. Detailed report every 30 days.
You qualify and buy
When your score reaches the required range, we connect you with a trusted realtor or lender for your home, car, or loan.
What we do
Six fronts where we work. We combine the strategy that applies to your specific case.
Collections
We dispute old collections that should no longer appear on your report and negotiate pay for delete with current creditors.
Report errors
Payments reported as late that weren't, incorrect balances, duplicate accounts. We remove them one by one.
Charged off accounts
Charged off accounts, repossessions and bankruptcies. If they aren't documented correctly, they can be removed under the FCRA.
Building credit
If you have no history, we guide you through opening the right accounts that build score safely.
Utilization optimization
Strategies to lower your utilization ratio and gain up to 50 points in 30 to 60 days.
Mortgage ready
We get you to the exact score and profile required by FHA, Conventional, or VA for your home loan.
Two tools that will help you
Neither one belongs to Electi. We recommend them because they work, and because anyone who shows up with their report in hand moves a lot faster.
Find out where your credit stands
If you do not know what your report says, this shows you: all three bureaus with your FICO score, which is the one lenders actually look at. It lets you decide on your own whether you need repair, without talking to anyone yet.
Build payment history every month
Kikoff gives you a small line of credit and reports every on time payment to all three bureaus. Removing the negative is half the job; the other half is having something good to show. Payment history is the single heaviest factor in your FICO score.
myFICO and Kikoff are independent companies with no ties to Electi. If you sign up for Kikoff through our link, Electi earns a commission; it does not cost you a cent more. We say so up front so you know where the recommendation comes from.
What you need to get started
Five things. You can send the ID and the Social Security card at the end of the evaluation form, right here, and they travel encrypted. Your advisor asks you for the rest when you talk. What you should never do is send them over social media.
- 01 Photo of your identification, both sides
- 02 Photo of your Social Security card, both sides
- 03 Photo of a bill in your name that proves your address
- 04 Your email address
- 05 Your current address
How to take the photos
- Step back a bit so all four corners of the document are visible
- Keep it sharp and in focus, with no shadows or glare on top
- Front and back of each document, in separate photos
We start when you're ready.
The first evaluation is free and with no commitment. Fill out the form and we'll respond within 24 business hours.