Credit Services Built for Real Results
From removing negative items to building business credit, FixoCredit offers comprehensive financial repair solutions backed by FCRA expertise and proven dispute strategies.
Remove negatives. Restore your score.
Credit Repair
Our flagship credit repair service uses FCRA-backed dispute strategies to challenge every inaccurate, incomplete, or unverifiable negative item across Equifax, Experian, and TransUnion.
What We Address
- Late payments removed
- Collections deleted
- Charge-offs disputed
- Bankruptcies challenged
- Inquiries removed
Our Process
Full Bureau Pull
We obtain all three credit reports and conduct a detailed audit.
Item Identification
Every negative item is categorized by type, age, and disputable status.
Custom Dispute Letters
FCRA-compliant dispute letters tailored to each item and bureau.
Follow-Up & Escalation
We track responses and escalate with validation demands when needed.
Silence the collectors. Clear your report.
Collection Removal
Collections are among the most damaging items on a credit report. We use debt validation, goodwill deletion, and pay-for-delete negotiations to get them removed.
What We Address
- Medical collections
- Credit card charge-offs
- Utility collections
- Payday loan collections
Our Process
Debt Validation
We demand proof the debt is yours and the amount is accurate.
Statute Analysis
We review statute of limitations to assess enforceability.
Negotiation
Pay-for-delete and goodwill deletion negotiations with collectors.
Bureau Update
We verify removal across all three bureaus.
Protect what you've rebuilt.
Credit Monitoring
24/7 real-time monitoring across all three credit bureaus with instant alerts for any new inquiries, accounts, or score changes — protecting your rebuilt credit profile.
What We Address
- 3-bureau monitoring
- Identity theft alerts
- Score trend tracking
- New account detection
Our Process
Setup
We enroll you in our 3-bureau monitoring platform.
Real-Time Alerts
Instant notifications for any credit profile changes.
Score Tracking
Monthly score snapshots with trend analysis.
ID Protection
Dark web scanning and identity theft protection.
Build business credit. Access more capital.
Business Credit Setup
Establish a strong business credit profile completely separate from your personal credit — unlocking higher funding limits, better interest rates, and business card access.
What We Address
- EIN & DUNS setup
- Net-30 vendor accounts
- Business credit cards
- SBA loan preparation
Our Process
Entity Setup
EIN registration, DUNS number, and business address setup.
Vendor Accounts
Net-30 accounts with Dun & Bradstreet reporting vendors.
Business Cards
Business credit card applications with reporting issuers.
Funding Readiness
SBA loan and business line of credit application preparation.
Not sure which service you need?
Book a free consultation and our credit experts will review your reports and recommend the right plan for your situation.
Book Free Consultation