Take the Credit Blueprint, a one time $97 fee billed only after it is delivered. You get all three 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 kit so you can file the disputes yourself. No monthly fee and no commitment to continue.
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 your completed analysis is delivered. Late payment and credit inquiry removals are free.
No. You only pay when we win. If we file disputes and nothing comes off, you are not billed for removals. This is what “results-based” means, and it is also what federal law requires. A credit repair company cannot charge you before services are performed.
Yes. Whether we delete 8 items or 50, you will never pay for more than 8 removals. We call it our Fairness Promise, and it exists so a heavily damaged file does not turn into an unpayable bill.
Yes. Removals can be paid over time in monthly payments rather than all at once. Tell us what works and we will structure it.
Yes. There is no contract lock-in and no cancellation fee. You can stop at any point and you will only owe for work already completed.
Give the process at least 3 months to see progress; the full transformation averages 6 to 8 months. Bureaus have 30 days to answer each dispute, so the work moves in rounds. Legally, no one can guarantee credit repair.
We will not give you a number, because an honest answer is not available before we read your file. It depends on what comes off, how recent it is, and what else is on your file. At your analysis we will tell you which items look disputable and what removing them would plausibly change.
That is the reason most of our clients come to us. Lenders price your loan off your score, so removing inaccurate derogatory items can be the difference between a denial and an approval, or between two very different interest rates. We also connect clients with Valley Realtors and mortgage loan officers once the file is ready.
We do not dispute child support accounts.
No. Accurate, current, verifiable accounts stay until they age off: seven years for most derogatory marks, ten for a Chapter 7 bankruptcy. What we challenge is what is inaccurate, duplicated, unverified, or reported in violation of federal law.
It is when a creditor, collector or 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 something after being told it is wrong. In the majority of reports we review, we find at least one. When we do, our partner attorneys can pursue it at no out-of-pocket cost to you.
The Fair Credit Reporting Act is the federal law governing how your credit information is collected and reported. Under 15 U.S.C. § 1681i, you have the right to dispute anything inaccurate on your report, and the bureau must investigate, normally within 30 days, and correct or delete what it cannot verify.
You absolutely can, and we will send you a free DIY credit repair kit to get you started: step-by-step instructions, yours to keep, no strings. Anyone can buy a set of tools, but a master mechanic gets the job done faster and without the headaches. Whether you want the driver’s seat or want us to take the wheel, we have your back. Email Rashad.winston@imperialethics.com for the kit.
No. Checking your own credit report is a soft inquiry and has zero impact on your score, however often you check. Filing a dispute does not lower it either.
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.
No. Identity theft repair is free for our clients. You did not cause the fraud, so we do not bill you for it. Our paid work is the results-based program on ordinary negative items at $97 per successful removal, capped at eight. If we find identity theft during a Credit Blueprint, that $97 fee is waived.
The most common signs are an account on your 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, or a tax return rejected because one was already filed under your Social Security number.
Not with a routine dispute. A routine dispute asks whether the account exists, and it does, so it comes back verified. What has to be challenged instead is whether the account is yours, in writing and with documentation, to every bureau reporting it and to the lender or collector behind it. We file those disputes on your behalf at no charge, and where the lender or collector keeps reporting it, you may be compensated.
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. Several fraudulent accounts, or accounts sold across state lines, take longer.
Yes, at no out-of-pocket cost to you. Our partner attorneys handle the FTC and police report paperwork as part of the case. Identity theft files produce violations more often than ordinary ones, and 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.
Our office is at 6751 N Sunset Blvd Suite 320, Glendale, Arizona 85305. We serve clients across the Valley, including Phoenix, Scottsdale, Mesa, Tempe, Chandler, Peoria and Surprise, and can handle everything remotely. Call 480-754-9066 or email Rashad.Winston@imperialethics.com.
Yes. We work with clients in every state except Georgia. Most of our clients are in the Phoenix metro area, but the process does not require you to be local: you send your credit report, we deliver the analysis, and the dispute work runs by phone and email from there.
Yes. We hold an A+ rating with the Better Business Bureau, we are a member of the Chamber of Commerce, and we are listed among Yelp’s top 10 credit repair companies in Glendale. We hold a 4.9 average across 100+ reviews on Google, Yelp and the BBB.
Three things. We are results-based, so you are billed for negative items we successfully remove. We work with FCRA attorneys, so violations can be pursued in court at no out-of-pocket cost to you. And we will hand you the free DIY kit and tell you to do it yourself when that is genuinely the better call for you.
Your credit report, proof of identity and address, and a signed authorization letting us correspond on your behalf. Get your report at smartcredit.com/imperialethics, or use monitoring you already have.
