How much does credit repair cost in Arizona?

Imperial Ethics Credit Repair charges $97 per negative item successfully removed, priced per credit bureau, plus a one-time $97 credit analysis billed only after the completed analysis is delivered. Late payment and credit inquiry removals are free. You are never billed for more than 8 removals. A free DIY credit repair kit is also available.

Do I pay if nothing is removed?

No. You only pay when we win. If disputes are filed and nothing is removed, you are not billed for removals. Federal law also prohibits a credit repair organization from charging before services are performed.

Is there a limit to what I can be charged?

Yes. Whether Imperial Ethics deletes 8 items or 50, you will never pay for more than 8 removals.

Do you offer payment plans?

Yes. Removals can be paid over time in monthly payments rather than all at once.

Can I cancel anytime?

Yes. There is no contract lock-in and no cancellation fee. You can stop at any point and will only owe for work already completed.

How long does credit repair take?

Give the process at least 3 months to see progress. The full transformation averages 6 to 8 months. Credit bureaus have 30 days to answer each dispute, so the work moves in rounds. Legally, no credit repair company can guarantee a result.

How many points will my credit score go up?

A reliable number is not available before the report is read. It depends on what comes off, how recent it is, and what else is on the file. At your credit analysis Imperial Ethics will tell you which items look disputable and what removing them would plausibly change.

Can credit repair help me qualify for a mortgage?

Lenders price your loan off your credit score, so removing inaccurate derogatory items can be the difference between a denial and an approval, or between two very different interest rates. Imperial Ethics also connects clients with Valley Realtors and mortgage loan officers once the file is ready.

What items can be disputed or removed?

Incorrect personal information, late payments, charge-offs, collections, bankruptcies, repossessions, student loans and duplicate reporting. Imperial Ethics does not dispute child support accounts.

Can you remove accurate negative items?

No. Accurate, current, verifiable accounts stay until they age off, seven years for most derogatory marks and ten years for a Chapter 7 bankruptcy. What can be challenged is information that is inaccurate, duplicated, unverified or reported in violation of federal law.

What is a credit reporting violation?

A credit reporting violation is when a creditor, collector or credit bureau reports your account in a way the law does not allow: reporting a debt they cannot verify, re-aging an old account, ignoring a dispute, or continuing to report information after being told it is wrong. When Imperial Ethics finds one, partner attorneys can pursue it at no out-of-pocket cost to the client.

What is the Fair Credit Reporting Act?

The Fair Credit Reporting Act is the federal law governing how credit information is collected and reported. Under 15 U.S.C. 1681i you have the right to dispute inaccurate information on your credit report, and the bureau must investigate, normally within 30 days, and correct or delete what it cannot verify.

Can I repair my credit myself?

Yes. Imperial Ethics will send a free DIY credit repair kit with step-by-step instructions, yours to keep. Disputing is free and the bureaus must answer you the same way they answer a company acting on your behalf. Email Rashad.winston@imperialethics.com for the kit.

Will checking my own credit lower my score?

No. Checking your own credit report is a soft inquiry and has zero impact on your credit score, no matter how many times you check it. Filing a dispute does not lower your score either.

What is the difference between credit repair and debt consolidation?

Credit repair fixes errors on your credit report to improve your score and credit profile. Debt consolidation combines multiple debts into a single new loan or payment program, which changes how much you owe and to whom. Credit repair addresses what is reported; consolidation addresses what is owed.

Where is Imperial Ethics Credit Repair located?

Imperial Ethics Credit Repair is at 6751 N Sunset Blvd Suite 320, Glendale, Arizona 85305, serving clients across the Valley including Phoenix, Scottsdale, Mesa, Tempe, Chandler, Peoria and Surprise, and remotely. Phone 480-754-9066.

What if I do not need full credit repair, just advice?

Imperial Ethics Credit Repair offers The Credit Blueprint, a credit analysis and action plan, for a one time fee of $97, billed only after the completed analysis is delivered. It includes all three credit reports read line by line, a written list of what is disputable and what is not, a walkthrough call on what to do next and in what order, and the free DIY credit repair kit so you can file the disputes yourself. There is no monthly fee and no commitment to continue.

Do you charge for identity theft repair?

No. Identity theft repair is free for Imperial Ethics Credit Repair clients in Glendale, Arizona. You did not cause the fraud, so it is not billed to you. The paid results-based program covers ordinary negative items at $97 per successful removal, capped at eight removals; identity theft work sits outside it entirely. If identity theft is found during a Credit Blueprint, that $97 fee is waived.

How do I remove a fraudulent account from my credit report?

A routine dispute asks whether the account exists, and it does, so it comes back verified. What has to be disputed instead is whether the account belongs to you, in writing and with documentation, to every credit bureau reporting it and to the lender or collector behind it. Imperial Ethics Credit Repair files those disputes on the client's behalf at no charge, and where the lender or collector keeps reporting the account, the client may be compensated.

How do I know if I am a victim of identity theft?

The most common signs are an account on your credit report you never opened, a collection for a debt you do not recognize, addresses on your report where you have never lived, hard inquiries you cannot account for, an unexplained score drop, and a tax return rejected because one was already filed under your Social Security number.

How long does identity theft repair take?

Credit bureaus have 30 days to answer each dispute, so the work moves in rounds. Fraudulent accounts often come off faster than ordinary derogatory items because there is nothing real for the lender or collector to confirm. Most files see movement inside the first round; cases with several fraudulent accounts or accounts sold across state lines take longer.

Do I get an attorney for identity theft?

Yes. Imperial Ethics Credit Repair works with partner FCRA attorneys who take identity theft cases at no out-of-pocket cost to the client and handle the FTC and police report paperwork as part of the case. Clients may be compensated where an item keeps reporting. Imperial Ethics Credit Repair is not a law firm and outcomes depend on the facts of each file.

Do you work with clients outside Arizona?

Yes. Imperial Ethics Credit Repair works with clients in every state except Georgia. Most clients are in the Phoenix metro area, but the process is remote: you send your credit report, receive the analysis, and the dispute work is handled by phone and email from there.

Is Imperial Ethics Credit Repair accredited?

Imperial Ethics Credit Repair holds an A+ rating with the Better Business Bureau, is a member of the Chamber of Commerce, and is listed among Yelp's top 10 credit repair companies in Glendale, Arizona, with a 4.9 average across more than 100 reviews.

What makes Imperial Ethics Credit Repair different?

Three things: it is results-based, so clients are billed for negative items successfully removed; it works with FCRA attorneys so reporting violations can be pursued in court at no out-of-pocket cost; and it provides a free DIY kit for people who are better served doing it themselves.

What do you need from me to get started?

Your credit report, proof of identity and address, and a signed authorization to correspond on your behalf. Reports are available at smartcredit.com/imperialethics, or you may use credit monitoring you already have.

DEBT RELIEF IN ARIZONA

DIY Debt Settlement: Find The Month Your Debt Stops

The Debt Freedom Roadmap teaches you effective DIY debt settlement tactics you can run yourself. This custom framework includes a live one on one strategic deep dive to audit your liabilities and build a customized plan to pay off credit card debt, collections, and loans that can save you thousands in interest. We are not a debt consolidation or settlement company. We do not take over your payments. We teach you how to get out of debt yourself. One flat $197. No monthly billing.

Stop letting interest compound against you. Secure your customized exit plan today.

What The Debt Freedom Roadmap Includes

Debt Payoff Calculator

How Long Will Minimum Payments Take?

Enter one debt. We will show you the payoff time, the interest you will pay along the way, and how many hours of work that interest costs you.

Balance ($) What Kind Of Debt? Minimum Monthly Payment ($) Your Hourly Wage ($)

Estimates only. Assumes a fixed rate and that you keep paying the same amount each month. If you know your APR, choose “I know my rate” for a closer number.

Time To Pay Off6 yrs 10 mo

Total Interest Paid$6,191

Total You Will Pay$12,191

Hours Of Work For Interest310 hrs

That is the cost of staying on minimum payments. The Debt Freedom Roadmap shows you how to shorten it.

What You Walk Away With

The Hidden Money Audit

We review your living expenses line by line to rescue leaking cash such as subscriptions and overpayments, and immediately redirect it toward your payoff.

The Interest-To-Labor Translation

See exactly how many hours of work your interest rates cost you every day. Abstract percentages become real numbers you can act on.

The Custom Snowball Timeline

A step-by-step payoff plan that maps every account in order and gives you your projected debt-free date, down to the month.

The Collection Statute Audit & Settlement Playbook

Learn how to check whether a collection debt is past Arizona’s statute of limitations, and how to settle the ones that are not for less than the balance without resetting the legal clock.

The Minimum Payment Trap Versus The Debt Freedom Roadmap

Minimum payments are designed to keep you paying. Here is the difference a plan makes.

METRIC

MINIMUM PAYMENTS ALONE

WITH THE DEBT FREEDOM ROADMAP

Interest Paid

Tens of thousands thrown away

Thousands saved and kept in your pocket

Payoff Timeframe

15 to 25+ years of stress

Drastically shortened, with your projected date provided

Daily Interest Cost

Quietly draining your account every day

Actively and systematically reduced

Collection Accounts

Constant harassing phone calls

Protected by statute of limitations and settlement plans

Financial Control

Trapped in the paycheck-to-paycheck cycle

Automated, stress-free money infrastructure

Debt Relief Without Settlement Or Consolidation

Most people searching for debt relief in Arizona find two offers: a settlement company that tells you to stop paying and takes a percentage of your balance, or a consolidation loan that moves the debt somewhere new. Both cost thousands in fees. Neither teaches you how to get out of debt.

The Debt Freedom Roadmap is a third option for DIY debt settlement. In one live session you learn how to pay off credit card debt, collections, and personal loans yourself: where your money is leaking, which accounts to attack first, which collections are past the statute of limitations, and how long the whole plan takes. You keep every payment in your own hands and your credit intact.

It works whether you are current on your payments and simply stuck, or already behind and hearing from collectors. If your situation calls for something we do not offer, we will tell you that on the free 5-minute screening.

Debt Freedom Roadmap Questions

How is the Debt Freedom Roadmap different from debt consolidation or debt settlement?

We never take over your payments and we never hold your money. Consolidation companies roll your debts into a new loan they profit from. Settlement companies tell you to stop paying and take a percentage of your enrolled debt, which damages your credit. The Debt Freedom Roadmap is a plan you run yourself, with your credit protected rather than sacrificed, and the thousands those companies would have charged in fees stay in your pocket.

Do you negotiate with my creditors for me?

No. The Debt Freedom Roadmap is a plan you run yourself. We show you where your money is going, which accounts to pay in what order, which collections are past the statute of limitations, and how to settle the rest without restarting the clock. Every payment and every conversation with a creditor stays in your hands.

Will following the plan hurt my credit score?

No. Unlike settlement, you keep paying your accounts, so there are no new late marks. As balances fall, your credit utilization falls with them, and utilization is about 30% of your score. Done alongside the Credit FastTrack, the report and the balances improve together.

What is the collection statute audit?

Every debt has a statute of limitations, a legal deadline after which a collector can no longer sue you. In Arizona it is six years for most written contracts, including credit cards. We check the dates on each collection, show you which ones are past that deadline, and teach you how to settle the rest for less than the balance without restarting the clock.

Why This Matters For Your Credit Score

Paying down balances lowers your credit utilization ratio, which makes up about 30% of your credit score. By combining the Debt Freedom Roadmap with our Credit FastTrack, you are not just getting out of debt. You are building a stronger credit profile at the same time.

The two together are $279 as The Total Financial Reset, one flat fee, billed only after delivery. Identity theft repair stays free for every client.

Ready To Know Your Debt-Free Date?

Every client starts with a free 5-minute screening. If a plan is not the right call for you, we will say so and point you to the free DIY kit instead.