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!

Credit Audit

Get a professional analysis of your credit report to identify opportunities for your credit score improvement.

Credit Repair

Disputes bankruptcies, student loans, medical debt, collections, charge-offs, repossessions, late payments, and inquiries.

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

Quality Service

Customer service is a big part of what we do. We allow only a certain amount of clients to ensure that our clients get the best customer service possible.


Our service is something you have to qualify for. We ask a series of questions to make sure that our clients are ready for the service we provide.


We are accredited by the BBB (Better Business Bureau). The BBB's motto is "Start With Trust". We are happy to say that you can trust us and the Better Business Bureau agrees.

Customized Letters

All of the letters we send to the credit bureaus are personalized and specific to our clients, therefore it creates a better opportunity for derogatory items to be removed.


Do you like to volunteer? We like to ask our clients what they are passionate about and volunteer with those charities. You are more than welcome to join us.


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.
No!!! Did you know that third party collection agencies pay for your debt? When a business feels they can’t collect on a debt, they sell it to a collection agency for pennies on the dollar. The collection agency then tries to collect the FULL AMOUNT. That is how they make a profit. Here at Imperial Ethics, we exercise the consumers rights from the FCRA (FAIR CREDIT REPORTING ACT) to get these accounts removed. That helps keep 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!

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!

    Ashley Guerrero


    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 .

      Lupita Stotts


      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!!!

        Heidi Buchanan


        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!

          Kathie Rupe


          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.

            Tiffany Martin