A+ Rating With The Better Business Bureau 
Top-Rated Credit Repair In Glendale, Arizona 
Top 10 Best Credit Repair Companies In Glendale, Arizona 
Member Of The Chamber Of Commerce 
Partnered With SmartCredit Partnered With Kikoff You shouldn’t have to choose. We dispute what’s wrong on your report with attorney backing, and teach you how to pay off what’s real. You keep control of every dollar. One flat fee. No monthly billing.
We Don’t Just Look at Your Credit. We Look at the Whole Financial Picture.
Actual client results. Results vary based on individual credit profiles and are not guaranteed.
Debt Relief And Payoff Planning
Most credit repair companies stop at the report. Removing a collection does not erase the debt, and the collector can still sue you. Debt consolidation and settlement companies charge a percentage of your balance, often thousands of dollars, for simple work you can do yourself.
The Debt Freedom Roadmap is debt relief you run yourself. It teaches you how to get out of credit card debt and handle the report behind it, on a plan with a projected debt-free date.
The Real Cost
Poor credit and minimum payments work together against you. Over a lifetime they can cost hundreds of thousands of dollars, and most of it never shows up on a single bill.
2×
What you can end up paying
Credit card interest compounds daily, costing you far more than the sticker price. Because of high rates, many people end up paying for their home or car twice without ever knowing it.
2–3×
Higher car insurance premiums
Drivers with poor credit can pay up to twice as much for car insurance. In some states a low score can triple the premium, costing thousands in fees every single year.
$1,000s
Locked up in deposits
Bad credit forces you to pay large upfront deposits for housing, utilities and basic services. That money leaves your hands and sits in someone else’s account.
What We Challenge
Imperial Ethics specializes in Fair Credit Reporting Act violations. When these items are reported inaccurately, re-aged, duplicated or kept past their legal limit, we challenge them, and our partner attorneys can take them to court:
If someone opened accounts in your name, we dispute every one of them with all three bureaus, at no charge. When the law has been broken, our partner attorneys step in at no out-of-pocket cost to you.
When we find certain credit violations, our partner attorneys take them to court at no out-of-pocket cost to you! We don’t just aim to delete the debt; our attorneys fight to put money in your pocket for the damages they caused.
Before we can review anything, we need a copy of your credit report. Sign up at smartcredit.com/imperialethics. The cost is less than $1 per day. If you already have credit monitoring, you may use that instead.
After receiving your report, click the “Sign-Up Now” button at the top of the page and complete the form. Once you become an official client, we will review your credit report and call you to discuss the best route forward, whether that is disputing on your behalf or another strategy that fits your situation.
Minor errors? Choose the Free DIY Kit.
Credit repair is one flat $147 fee, no monthly billing and nothing charged per item. Identity theft repair is free for every client. Prefer to handle it yourself? Email us for the free DIY kit at Rashad.winston@imperialethics.com.
Free for identity theft victims. The disputes, the attorney, and your credit blueprint.
Stop guessing. Get a gameplan built from your Experian, Transunion, and Equifax reports.
$147 one time
Free 5 minute review. Pay after delivery. No monthly fee.
Our office is in Glendale and we work with clients throughout Maricopa County. Pick your city for local detail.
$147, one time. The Credit Blueprint includes free FCRA violation disputes filed on your behalf, a credit repair game plan, a debt payoff plan, your Blueprint sent to your email and a live walkthrough call. There is no monthly fee and no per item charge. Identity theft repair is free for every client, and a free DIY kit is available if you would rather file the disputes yourself.
Your Credit Blueprint is delivered the same day we receive your reports. From there, progress depends on two things: how quickly the bureaus move, since they have 30 days to answer each dispute, and how closely you follow the plan, including paying down the accounts we tell you to. Clients who work the Blueprint as written see results faster. Most see meaningful progress in 2 to 5 months. Legally, no one can guarantee credit repair.
Yes. The Fair Credit Reporting Act (15 U.S.C. § 1681i) gives every consumer the right to dispute inaccurate, incomplete or unverified information on their credit report, and the Credit Repair Organizations Act regulates companies that do it on your behalf. Imperial Ethics Credit Repair operates under both, which is why we never charge before work is performed.
Yes, and we will send you a free DIY credit repair kit to do it. Disputing is free and the bureaus must answer you the same way they answer us. Clients hire us when the file is complicated, when a first round came back “verified” with no explanation, or when they simply do not want to spend months writing letters.
No. If an account is accurate, current and verifiable, it stays on your report until it ages off. Federal law does not provide a way around that. What we can do is challenge what is inaccurate, duplicated, unverified or reported illegally, and help you rebuild around what remains.
No. Checking your own credit report is a soft inquiry and has zero impact on your score, no matter how many times you check it. Filing a dispute does not lower your score either.
Yes. Our office is at 6751 N Sunset Blvd Suite 320, Glendale, Arizona 85305, and we work with clients across the Valley including Phoenix, Scottsdale, Mesa, Tempe, Chandler, Peoria and Surprise. Everything can be handled remotely if that is easier. Call 480-754-9066 or book a time online.
A copy of your credit report. Sign up through smartcredit.com/imperialethics, or use credit monitoring you already have. From there we review the report, send you an action plan, and you decide whether to continue. The review costs you nothing.
Start with your credit report. We will tell you what we find before you owe us anything.
AVERAGE RATING
BBB RATING
4.9 Ratings of 100+ reviews
As a mortgage lender, I get calls all of the time from companies offering their credit repair services but it’s rare to find one with a personal touch who also performs. Rashad helped a client achieve something that we didn’t think was possible. It gave our buyer the opportunity to purchase a home that would otherwise not be possible. Rashad is an honest, pleasant, and generous man. You will be in great hands if you entrust him with your credit situation.
