Built on Trust. Driven by Results.
FixoCredit was founded with one mission: to give every American the tools and expertise to take control of their financial future through credit repair that actually works.
Our Mission
“We believe a damaged credit score shouldn't define your financial future. FixoCredit exists to restore what's rightfully yours — opportunity, access, and financial freedom.”
— FixoCredit Leadership Team
FCRA Compliant
Every dispute strategy we use is rooted in the Fair Credit Reporting Act. We operate with full legal compliance, always.
No Upfront Fees
The Credit Repair Organizations Act prohibits upfront fees — and we go further by being transparent about every charge before you commit.
Results-Driven
We measure success by your score improvement. Monthly reporting keeps you informed of every item removed and every point gained.
Client-First
You get a dedicated credit advisor, not a call center. Real humans who know your file and fight for your financial future.
8 Years of Helping Americans Rebuild
FixoCredit was founded in 2016 by a team of FCRA specialists who had seen firsthand how credit bureaus routinely reported inaccurate information — and how few Americans knew they had the legal right to fight back.
Starting with a small team in Dallas, TX, we've grown to serve clients across all 50 states, removing over 125,000 negative items and helping thousands of families qualify for mortgages, auto loans, and business financing.
Today, FixoCredit is one of the most trusted names in credit repair — built on transparency, legal compliance, and a relentless commitment to client results.
2016
Founded
125K+
Items Removed
50
States Served
A+
BBB Rating
Experts Fighting For You
James Carter
Founder & CEO
Former FCRA compliance officer with 15 years in consumer credit law. Certified Credit Counselor (NFCC).
Priya Sharma
Director of Disputes
FCRA specialist with 500+ successful bureau disputes. Expert in debt validation and collection negotiation.
Marcus Webb
Business Credit Director
Built business credit profiles for 2,000+ entrepreneurs. Former SBA loan officer and fintech advisor.
Fully Licensed & Compliant
FixoCredit operates under strict federal compliance standards to protect your rights and privacy.
FCRA Compliant
Fair Credit Reporting Act
CROA Compliant
Credit Repair Organizations Act
BBB Accredited
A+ Rating
GLBA Compliant
Data Privacy Protected
NFCC Member
National Foundation for Credit Counseling