Every day with a damaged credit score means higher rates, denied applications, and missed opportunities. We fix that.
🏦
Loan Denials
Banks and mortgage companies reject applications or charge you 2–3× more in interest.
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Rental Rejections
Landlords check credit before approving tenants. A low score can prevent you from getting the home you want.
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Employment Issues
Many employers check credit reports. Negative items can cost you job opportunities in finance and management.
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Bureau Errors
Studies show 1 in 5 credit reports contain errors. You may be paying for mistakes you didn't make.
Eligibility Check
Do You Qualify For Our Program?
Answer 12 quick questions. Takes 2 minutes. We'll tell you instantly if you're a fit for our premium credit repair program.
Question 1 of 12
What is your current credit score range?
An estimate is fine. We'll review your full report during consultation.
📉
Below 500
Severe damage
⚠️
500 – 579
Very poor
🔸
580 – 619
Poor
🔶
620 – 659
Fair
🟡
660 – 699
Near good
✅
700+
Good / Excellent
How many negative items are on your report?
Collections, late payments, charge-offs, judgments, etc.
1️⃣
1 – 2 items
3️⃣
3 – 5 items
🔢
6 – 10 items
📋
More than 10
❓
I'm not sure
What types of negatives do you have?
Select the one that best describes your main issue.
📞
Collections / Debt collectors
📅
Late payments
💳
Charge-offs
⚖️
Bankruptcy / Judgments
🔍
Too many inquiries
🚨
Identity theft / Errors
What is your primary goal for fixing your credit?
This helps us understand your urgency and timeline.
🏠
Buy a home / Get a mortgage
High urgency
🚗
Buy a car / Auto loan
🏢
Business credit / Funding
High urgency
🏡
Rental apartment approval
📈
General credit improvement
💼
Employment / Background check
How soon do you need results?
Credit repair typically takes 30–180 days depending on your situation.
🔥
ASAP — within 30 days
📆
Within 3 months
🗓️
Within 6 months
⏳
No rush — flexible timeline
Have you tried to dispute these items yourself before?
This helps us understand where you are in the process.
❌
No — I've never tried
Perfect starting point for our program
🔄
Yes — I tried and it didn't work
Our professional strategy is different
📝
I removed some but still have issues
We can pick up where you left off
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I used another company — not satisfied
We hear this often — let's fix it right
Do you have access to your credit reports?
You can get free reports at AnnualCreditReport.com
✅
Yes — I have all 3 bureau reports
📄
Yes — I have some of them
📱
I use a monitoring app (Credit Karma, etc.)
❓
No — I don't have them yet
No problem — we'll guide you
Are you currently employed or have a source of income?
This helps us understand your ability to commit to a program.
💼
Yes — I'm employed full-time
🏢
Yes — I'm self-employed / business owner
⏰
Part-time / Gig work
📋
Disability / Government benefits
🔍
No income currently
Are you aware that credit repair takes 3–6 months for best results?
We want serious clients who are ready to commit to the process.
💪
Yes — I'm ready to commit for the long term
👍
Yes — I understand, I'm flexible
⚡
I was hoping for faster results
We'll set realistic expectations together
❓
No, I wasn't aware of the timeline
Have you had any new credit applications denied recently?
Denials indicate lenders see you as high-risk right now.
🚫
Yes — multiple denials in the past year
❌
Yes — one recent denial
📄
No — I haven't applied for anything
✅
No — I was approved recently
Do you have any open accounts currently in good standing?
Active positive accounts help accelerate credit recovery.
💳
Yes — I have several positive accounts
✅
Yes — one or two accounts
❌
No — all my accounts are negative or closed
❓
I'm not sure
How did you hear about FIXCREDIT86?
Last question — we promise!
📸
Instagram
👤
Facebook
🎵
TikTok
🗣️
Friend / Family referral
🔍
Google search
💬
Other
🎯
You Qualify!
Based on your answers, you are a strong candidate for our premium credit repair program. Our team is ready to build a custom strategy for your situation.
What happens next:
✓ A specialist will contact you within 24 hours
✓ We review your full credit report together
✓ You receive a custom dispute strategy
✓ No obligation — 100% free consultation
Based on your answers, our premium program may not be the best match for your situation right now. But that doesn't mean we can't help you get started on the right path.
Free resources for you:
✓ Get your free credit reports at AnnualCreditReport.com
✓ Dispute basic errors yourself using the CFPB portal
✓ Build credit with a secured credit card
✓ Check back with us in 3–6 months
"They removed 4 collections in just 60 days. My score went from 520 to 680 and I finally got approved for my car loan. Highly recommend FIXCREDIT86!"
Maria G.
Orlando, FL
★★★★★
"I had a charge-off from 2019 that was killing my score. They disputed it with the Metro 2 strategy and it was removed. Professional, fast, and worth every penny."
Carlos R.
Kissimmee, FL
★★★★★
"After 3 months on the Pro program my score jumped 95 points. They kept me updated the whole time and answered every question. Best investment I made."
Jennifer M.
Tampa, FL
FAQ
Common Questions
Yes. The Credit Repair Organizations Act (CROA), 15 U.S.C. § 1679, gives every consumer the legal right to dispute inaccurate, incomplete, or unverifiable information on their credit report. We operate in full compliance with CROA and Florida Statute § 817.7001.
Bureaus have 30–45 days to investigate disputes by law. Most clients begin seeing removals within 30–90 days. Complex cases may take 3–6 months. We provide regular progress reports so you always know what's happening.
Every credit situation is unique. We do not believe in one-size-fits-all pricing. After your free consultation, we analyze your specific report and present a customized program recommendation with transparent pricing — no surprises.
As required by CROA, you have the right to cancel your contract with us within 3 business days of signing at no cost. We will not charge any fee before services are fully performed. This is your legal right and we honor it without question.
We work with a limited number of clients at a time to ensure every case gets personal attention. Our qualification process ensures we only take clients we can genuinely help — this protects your time and ours. We'd rather turn down a case than overpromise.
Sí, hablamos español. Our team is bilingual and we proudly serve the Hispanic community throughout Florida. All documents and communications can be provided in Spanish upon request.
Contact Us
Book Your Free Consultation
Free Strategy Call
For qualified candidates only. We'll review your report and present your custom plan — no obligation.
We serve clients throughout Florida and nationally. Specialists available Monday–Saturday.
