After your plan is delivered, never before. Every client starts with a free 5-minute screening, and if we tell you the free DIY kit is the better route, you pay nothing. You sign a one time agreement confirming the package you chose so both sides have it in writing. There is no monthly plan and no ongoing commitment.
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 $297 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.
No. Each package is one flat fee, and it is billed only after your plan is delivered. There are no monthly charges and nothing billed per item. Federal law also prohibits a credit repair company from charging before services are performed.
No. The package price is the whole bill. No setup fee, no monthly charge, no per item charge, and nothing added for the number of accounts or debts on your file. Identity theft disputes and partner attorney work are at no out-of-pocket cost.
You sign a one time agreement confirming the package you chose, so both sides have it in writing. That is the only paperwork. There is no monthly plan, no ongoing commitment and no cancellation fee.
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. In your Credit FastTrack 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.
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.
Yes, but not the kind most companies sell. We do not settle or consolidate your debt. The Debt Freedom Roadmap is a 1-on-1 session that teaches you how to get out of debt yourself: an expense audit, a payoff order, a statute of limitations check on every collection and a projected debt-free date. One flat $197, no percentage of your balance, and your credit stays intact.
Stop paying the minimum on every card and put every spare dollar on one target account while the others get minimums. Choose the target by smallest balance (snowball) or highest rate (avalanche), and ask each issuer for a lower rate. The Debt Freedom Roadmap builds that plan for your specific cards, finds the spare dollars in your budget, and gives you the month you will be done.
Yes. That is the best time to start. Settlement programs only work once you have stopped paying, which wrecks your credit. A payoff plan works while your accounts are in good standing, so your score rises as the balances fall.
A 1-on-1 session that teaches you how to get out of debt yourself. We audit your living expenses line by line, translate your interest into hours of your own labor, build a snowball timeline with your projected debt-free date, and check every collection against Arizona’s statute of limitations. One flat $197, no monthly billing.
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.
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.
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.
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.
If your report is clean and the problem is balances, the Debt Freedom Roadmap ($197) is enough. If you have collections, charge-offs or errors as well, the The Total Financial Reset ($297) covers both for $47 less than buying them separately. The free 5-minute screening will tell you which one fits.
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.
Four things. Every client starts with a free 5-minute screening, so you know where you stand before any money changes hands. Our pricing is flat and upfront: one Credit Blueprint fee, disclosed before you commit, with no monthly charges and nothing billed per item. We work with FCRA attorneys, so violations can be pursued in court at no out-of-pocket cost to you. And if the free DIY kit is genuinely the better call for you, we will send it to 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.
