TAKE THE FIRST STEP TO IMPROVE YOUR CREDIT
Is bad credit holding you back from achieving your dream of buying a home, automobile, or qualifying for loans? If that’s you, then we can help!
Top Rated Credit Repair Company!
Google, Yelp, and the Better Business Bureau has Imperial Ethics Credit Repair as one of the best credit repair companies around!
What Makes Us Different
Popular Questions
Credit is generally defined as a contract agreement in which a borrower receives a sum of money or something of value and repays the lender at a later date, generally with interest.
Having a great credit score comes with plenty of benefits. From higher credit card limits, not having a down payment when purchasing a vehicle, free plane tickets when signing up for certain credit cards, more cash back on credit cards, no security deposits when renting an apartment, being approved to live in luxury apartments, no security deposit for utilities, and more loan options for purchasing a home. Did you know there is a first time home-buyers program that will pay for majority of the down payment when purchasing a home? YES!!! Good credit can also help when applying for a job.
The cost of credit repair versus the cost of having bad credit doesn’t compare. The cost of having bad credit can cost HUNDREDS of THOUSANDS of dollars over a lifetime. In the chart below, the difference between having a great credit score and a fair credit is about 1.5 pct in interest for a mortgage. The person with a higher interest rate pays $261.00 more a month. Over the lifetime of the loan, that is $93,960.00. This is just for a home. There are higher interest rates on credit cards, vehicles, higher insurance premiums, security deposits for apartments, security deposits for utilities, etc when you have a lower credit score.
The cost of our credit repair service is very affordable and will probably cost less than your cell phone service each month. More times than not, the cost of credit repair isn’t even close to the balances owed on someone’s credit report. Most of our competitors have a sign up fee between $100-$250. Ours is free. Most of our competitors have a fee to do an analysis and a consultation. The consultation and analysis is free as well. Our first month is free and any lawsuits made by the attorney we partner with is free. We are so confident in our services, there is a 90 day money back guarantee. Credit repair is an investment in yourself, and your future self will thank you for it.
While making payments on time is very important, payment history only makes up 35 percent of a credit score. Here is a breakdown of how your credit score is calculated.
It really is a case by case basis. Some people need more assistance than others. Here is a BASIC timetable of how long the process can take:
Here is a chart that breaks down the average credit score by age:
Your credit cards, vehicle loans, personal loans, etc have DAILY INTEREST. Every single day you wait to repair your credit, that is more money going from your pocket to the banks or financial institution. When you have a good credit score, you are able to renegotiate interest rates, which means more money in your pocket.
Wondering how we protect your credit worthiness?
Yes, we repair credit reports but also educate clients on how to maintain stellar credit scores after their credit report is restored!
We Help You To Grow Your Credit Score
Obtaining a better credit score can seem like a daunting task, especially when you don’t know where to start. We are here to help you reach your credit score goals. Let’s work together to challenge credit report errors and optimize your scores!
Customer
I’m very pleased with the professional service I’ve received from Rashad . He is very knowledgeable and has educated me on how credit really works! I wish I would have found him sooner. I’m so excited to continue to see me credit go up!I will definitely be recommending him to my friends and family .
Customer
I can not say enough good things about Imperial Ethics Credit Repair & the owner Rashad Winston! Since seeking help from his company my credit score has been raised tremendously - I’m almost at a 750 across the board 😃! He’s definitely worth reaching out too, he treats you like a person, not a client or the next come up. I can assure you that you won’t be disappointed in him or the results he’ll achieve for you!!!
Customer
I cannot say enough about Rashad and how much he has helped me out When I started out my Credit scores were in the 500', now with his help I am in the high 700's. Thank you for all your help!
Customer
Rashad is very knowledgeable in his field of expertise. He answers my questions and concerns in a prompt manner. He also explains his response in detail so that I can understand the process.
Customer
Great experience with Imperial Ethics Credit Repair! Rashad was able to answer any questions I had about my credit. The best thing was being told, “Don’t worry, we’ll get it taken care of!” Thank you! Definitely worth reaching out to with any help you need with your credit!