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.
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.
Three steps from a free five-minute call to a plan you approve.
Before any money changes hands, we spend five minutes on the phone getting the basics: your goals, what kind of accounts you are dealing with, and roughly what you owe. No report needed yet. What happens next depends on what we hear.
To begin your violation audit, 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. Pick the Credit FastTrack, the Debt Freedom Roadmap or both. Once you become an official client, we will review your credit report and send you an action plan. If you chose the Debt Freedom Roadmap or The Total Financial Reset, we will also schedule your 1-on-1 debt session.
SIMPLE, HONEST PRICING
$147 for the Credit FastTrack, $197 for the Debt Freedom Roadmap, or $279 for both. 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.
Get on the fast track to fixed credit, in just one session, for one flat fee. Walk out knowing every step and the order to take them.
Billed only after delivery. No monthly fee, no ongoing commitment.
Stop guessing and start scaling back. Get a personalized, 1-on-1 exit strategy to eliminate your debt and reclaim your income.
Billed only after delivery. No monthly fee, no ongoing commitment.
The ultimate all-in-one execution plan. Get attorney-backed FCRA disputes handled for you, learn to legally wipe out collections, and lock in your exact exit strategy to become debt-free.
Billed only after delivery. No monthly fee, no ongoing commitment.
Plain Language
Credit repair and debt companies are easy to confuse. Here is where we draw the line.
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We teach you how to negotiate and pay it off yourself, saving you thousands of dollars.
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One flat fee per package, billed after delivery. Nothing monthly, nothing per item.
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We file disputes where the law has been broken, and our partner FCRA attorneys step in when a bureau or creditor will not correct it.
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Every client starts with a free 5-minute screening. Not every call needs to end in a sale. We point you to whatever truly suits your situation, even when that is not us.
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.
Our office is in Glendale and we work with clients throughout Maricopa County. Pick your city for local detail.
The questions we are asked most often in Glendale and across the Valley.
One flat fee, chosen upfront. The Credit FastTrack is $147: free FCRA violation disputes filed on your behalf, a step-by-step plan for the rest of your report, your plan sent to your email and a live walkthrough call. The Debt Freedom Roadmap is $197: a 1-on-1 session with an expense audit, a collection statute check and your projected debt-free date. The The Total Financial Reset is $279 for both. 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 FastTrack 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 plan as written see results faster. Most see meaningful progress in 2 to 5 months. These are estimates!
The Debt Freedom Roadmap is a 1-on-1 payoff plan. Debt settlement companies take a percentage of your enrolled debt (which is extremely costly) and usually tell you to stop paying, which damages your credit. We audit your expenses, build a snowball timeline with your projected debt-free date, and check every collection against statute of limitations. One flat $197, no monthly fee, and your credit is protected rather than sacrificed.
Both, in the same plan. Negative items on your report and high balances each hold your score down, and balances alone are about 30% of it. The The Total Financial Reset ($279) disputes FCRA violations for you, teaches you how to remove the rest through pay-for-delete and other methods, and shows you exactly how to pay off what is left, so the two work together instead of one waiting on the other.
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 operates under both, and we do not charge for disputes. It is included in our packages for free!
Yes! Disputing is free and the bureaus must answer you the same way they answer us. However, we include the disputes for free in our packages.
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 and you decide whether to continue. The review is 5 minutes long and costs you nothing.
Free 5-Minute Screening
A quick, honest conversation about where you stand. We will tell you which route makes sense.
4.9Average rating
