Free Identity Theft Repair
Better Business Bureau Accredited Business, A+ rated A+ Rating With The Better Business Bureau
Google review Top-Rated Credit Repair In Glendale, Arizona
Yelp Top 10 Best Credit Repair Companies In Glendale, Arizona
Partnered With FCRA Attorneys
Chamber of Commerce Verified Member Member Of The Chamber Of Commerce
SmartCredit Partnered With SmartCredit
Kikoff Partnered With Kikoff

Know What’s Being Reported. Know What You’re Paying. Know What You’re Entitled To.

Credit companies charge thousands with zero guarantees to help fix your credit. Debt settlement companies fix the debt and wreck the report.

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.

★★★★★ 4.9/5 from 100+ Clients · A+ BBB Rating · Chamber of Commerce Member
Keara M. credit repair results with Imperial Ethics Credit Repair: scores rose from 534 to 751 with Equifax, 750 with Experian and 750 with TransUnion over eight months

Actual client results. Results vary based on individual credit profiles and are not guaranteed.

Debt Relief And Payoff Planning

Credit Rights And Debt Relief, Handled Together

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

How Bad Credit And High-Interest Debt Cost You Money Every Day

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.

What you can end up paying

High Interest Rates

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

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

Wasted 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

FCRA Violations We Challenge On Your Credit Report

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:

Charge Offs
Bankruptcies
Unknown Accounts
Duplicate Reporting
Collections
Repossessions
Identity Errors
Student Loans
🔒 OUR SPECIALTY

Free Identity Theft Repair For Our Clients

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.

Can You Sue For Credit Reporting Violations?

Attorney / courthouse / legal consultation

Attorney Backed Litigation Support For FCRA Violations

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.

How Working With Us Works: The No Lose Roadmap

Three steps from a free five-minute call to a plan you approve.

1
Free Screening

A Free 5-Minute Screening

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.

SmartCredit credit monitoring dashboard showing a 660 current score and a 750 future score
2
Get Your Report

Get Your Credit Report For Less Than $1 Per Day

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.

Sign Up Today written in chalk on a blackboard beside a megaphone
3
Sign Up

Sign Up And Choose Your Package

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

Pricing: Three Packages, One Flat Fee Each

$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.

One Flat Fee

The Credit FastTrack

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.

$147 one time

Billed only after delivery. No monthly fee, no ongoing commitment.

Debt Payoff

The Debt Freedom Roadmap

Stop guessing and start scaling back. Get a personalized, 1-on-1 exit strategy to eliminate your debt and reclaim your income.

$197 one time

Billed only after delivery. No monthly fee, no ongoing commitment.

Complete Transformation

The Total Financial Reset

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.

$279 one time

Billed only after delivery. No monthly fee, no ongoing commitment.

Plain Language

What Imperial Ethics Does Not Do

Credit repair and debt companies are easy to confuse. Here is where we draw the line.

×

We do not consolidate or settle your debt for you

We teach you how to negotiate and pay it off yourself, saving you thousands of dollars.

×

We do not bill per removal

One flat fee per package, billed after delivery. Nothing monthly, nothing per item.

×

We do not dispute accurate items

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.

×

We do not sign up everyone

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.

Reviews From Our Arizona Clients

★★★★★

4.9 Ratings of 100+ reviews

Google

Jeff Diaz

★★★★★
11 months ago

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.

Google

Elouise Nathaniel

★★★★★
11 months ago
I highly, highly, highly recommend Imperial Ethics Credit Repair. I would not have been able to qualify for my newly built home if it hadn’t been for Rashad at Imperial Ethics Credit Repair. There were things on my credit that I wasn’t even aware of. Their professionalism, diligence, knowledge, integrity and customer service far exceeded my expectations.
Google

James Hoskins

★★★★★
11 months ago
I worked with many other credit repair to get simple help with my credit without any real improvement. Rashad proved with results within 30 days. It’s been well under a year I’ve used Imperial and my credit has grown 200 + points and still growing. Started in low 400’s, now mid 600’s. They are thorough, transparent, and really fight to work on your credit like it’s their own.
Google

Anastasia C

★★★★★
11 months ago
Exceptional Service! I’m a Realtor & work with clients at all credit & income levels & to have a resource like imperial available to help with their credit questions or needs has been so amazing! They are professional, knowledgeable, and have excellent customer service. Imperial is the BEST and the Only credit resource I refer to my clients.
Google

J Nors

★★★★★
11 months ago
When I signed up with Imperial Ethics my credit score was 524. I could not qualify for a home nor much of anything else. Our goal was home ownership. One year from the date working with Imperial Ethics my scores shot up to 724 with all three credit bureaus. Qualifing us for our new home. Words can not express our graditude.
Google

Sharyl Lagman

★★★★★
11 months ago
I was a victim of identity theft and Rashad Winston and his team restored my credit back. Rashad provided the support and tools I needed to fix my credit issues. To say that he went above and beyond to help me is an understatement. There is no price for gaining your peace of mind back. They are reliable and will truly fight for your rights.

Connecting You With the Valley’s Top Realtors & Mortgage Loan Officers

We are not just a credit repair company. We are your gateway to the Valley’s top Realtors and Mortgage Loan Officers.
Our goal is to ensure you are loan ready for home purchases, vehicle financing, and business funding.
We do not just help fix your past. We help connect you to your future.
Handing over house keys / realtor meeting

Serving Arizona From Glendale

Our office is in Glendale and we work with clients throughout Maricopa County. Pick your city for local detail.

Credit Rights And Debt Questions, Answered

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

Ready to fix your credit and get out of debt?

A quick, honest conversation about where you stand. We will tell you which route makes sense.

4.9Average rating

100+Client reviews
A+BBB rating
Top10Credit repair in Glendale on Yelp