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Done-For-You Credit Restoration & AU Tradeline Programs

We Fix Your Credit. You Don’t Do the Work.

DB Credit Repairs is a full-service, done-for-you credit restoration company helping consumers, realtors, and mortgage professionals remove negative items, rebuild credit profiles, and unlock funding opportunities without stress, confusion, or DIY mistakes. You don’t send letters. You don’t call creditors. You don’t guess what to dispute. We handle everything for you.

Unsure which program fits your credit severity?

Receive a live 1-on-1 diagnostic review with a Senior Credit Strategist.

TALK WITH CREDIT EXPERT

120-Day

Money-Back Guarantee

All 3 Bureaus

Experian, Equifax, TransUnion

FCRA & CFPB

Legal Dispute Escalations

24/7 Portal

Live Progress Updates

Our Payment Process

01

SELECT YOUR PLAN

Instant Confirmation

02

PAYMENT & PERSONAL INFO

256-Bit Encrypted

03

SERVICE AGREEMENT

Zero Hidden Clauses

04

FINISH & LAUNCH

Under 48 Hours

Progressing...

TRANSPARENT DIRECT PRICING

Restoration Plans & Tradeline Packages

Choose between ongoing monthly progression, rapid flat-rate dispute rounds, or combined tradelines.

ENTRY SUBSCRIPTION

1 Bureau

Basic Monthly

For clients with inaccuracies reported predominantly through one major bureau.

$199

/first month

Then $199/month recurring

Cancel anytime with 7-day notice

WHAT'S COVERED:

1-Bureau deep audit & investigation
Step-by-step gradual disputes
Collections & late payment audits
Hard inquiry removals (unauthorized)
Online client portal access

Select Monthly

MOST POPULAR

Fast Track

Fast Track Plan

Single payment designed for individuals recently denied credit needing targeted rapid work.

$999

/one-time flat

Up to 4–5 Full Dispute Rounds

Unlimited disputes across 3-Bureaus

WHAT'S COVERED:

4 to 5 Rounds of bureau disputes
Experian, Equifax & TransUnion
Attorney-backed CFPB escalation
Unlimited Collections & Late payments
Monthly progress review checkpoints
120-Day money-back assurance

SELECT FAST TRACK

ACCELERATE

Special Advanced

Full power remediation for severely damaged profiles, bankruptcies, and public records.

$1,200

/one-time flat

4–5 Rounds + Legal CFPB Ingestion

Complete 3-Bureau exhaustive challenge

HIGN-IMPACT SCORE:

Unlimited Bankruptcies & Public Records
Evictions, Repos, Student Loan & Child Support and More
Attorney-backed CFPB escalation
Full Personal Info identity scrubs
Priority certified postal packaging
120-Day money-back assurance

SELECT SPECIAL PLAN

TRADELINE COMBOS

Fast Approvals

Diamond Solo

4-5 Rounds Full Repair combined with an Authorized User Tradeline to leapfrog score requirements.

$1,500

/all-in package

Includes up-to $60,000 AU Tradeline

2–3 Billing Cycles (~60–90 days on file)

SPEED & LEVERAGE PACK:

4-5 Rounds Unlimited Disputes
Instant utilization ratio reduction
Years of seasoned payment history added
Years of positive history added
Attorney-backed escalation + CFPB
Dedicated senior credit strategist

SELECT DIAMOND SOLO

Mandatory Service Requirement

Clients are required to maintain an active 3-bureau credit monitoring subscription throughout the duration of the restoration campaign. If credit monitoring lapses or becomes inactive, our specialist cannot extract certified credit changes or submit updated FCRA challenges, which may delay results.

Questions About Monitoring?

What's Included in Every Program —One Program. All Included.

Unlike generic software that blasts form letters, every file is audited item-by-item to attack inconsistencies under the Fair Credit Reporting Act.

3-Bureau Analysis

Exhaustive itemized review of Experian, Equifax, and TransUnion accounts to flag unverifiable and outdated remarks.

Certified Mail Delivery

All formal dispute packages are physically routed via trackable certified postal dispatches to create undeniable legal paper trails.

CFPB Bureau Challenges

Direct regulatory escalations via the Consumer Financial Protection Bureau for non-compliant furnisher practices.

Credit Building Plan

We don't just erase negatives; we recommend precise primary tier tradelines and credit unions to accelerate positive scores.

4-5 Dispute Rounds

Iterative, escalating challenges that counter standard bureau stall tactics and force furnishers to produce physical contracts.

Personal Info Scrubbing

De-linking previous addresses, misspellings, and employer listings that tie your identity to obsolete collection files.

24/7 Client Dashboard

Real-time bureau update notifications, uploaded dispute responses, and timeline projections right from your mobile device.

120-Day Assurance

If you do not experience tangible improvement across your file within 120 days of service inception, we will issue a complete refund.

Why Clients Choose DB Credit Repairs

Unlike many companies that send generic dispute letters, every file is reviewed individually and handled with a customized strategy based on your specific credit profile.

We challenge inaccurate, outdated, unverifiable, and improperly reported items across all three credit bureaus while helping strengthen your overall credit profile for mortgage, auto loan, business funding, and personal financing approvals.

How Authorized User (AU) Tradelines Accelerate Your Credit Profile

Removing negative items is only half the battle. If your credit report lacks positive, high-limit payment history, traditional lenders still see you as a high-risk borrower. Our Diamond Combo Package solve this dilemma by marrying aggressive dispute removal with high-impact AU Tradelines.

1

INSTANT UTILIZATION RELIEF

Adding up-to high-limit ($60,000+) seasoned credit line dramatically increases your overall revolving credit limits, driving your aggregate credit utilization ratio down into optimal underwriting ranges.

2

YEARS OF FLAWLESS PAYMENT HISTORY

AU tradelines bring aged, spotless payment histories directly onto your Experian, Equifax, or TransUnion files, bolstering the 35% payment history and 15% length of history credit scoring metrics.

3

FASTER APPROVALS FOR MORTGAGES , AUTOS & MORE

Instead of waiting 12 to 24 months to slowly build up low-limit secured cards, AU tradelines bridge the score threshold in 60 to 90 days for urgent mortgage pre-approvals and premium financing terms.

Tradeline Parameters

ACTIVE 60-90 DAYS

Credit Line Limits:

Up-to $60,000+

Account Status:

100% On-Time / Zero Balance

Reporting Cycles:

2 to 3 Consecutive Cycles

Bureau Repositories:

National Repositories

Underwriting Utility:

Mortgages, Auto & Loans

Underwriting Notice: Tradelines remain active for designated reporting cycles to allow loan origination teams to pull certified Fannie Mae/Freddie Mac tri-merge scorecards.

INQUIRE ABOUT DIAMOND COMBO

Years of Trusted Credit Repair Services

**Google Verified ★★★★★ 5-Star Client Rated**

🛡 100% Satisfaction Guarantee

If you don’t see progress in 120 days, we’ll refund you.

Here's what our customers say

💬 Frequently Asked Questions

What’s the difference between the monthly and one-time payment plans?

Monthly Plans allow you to spread your payments out over time while we work on your credit month-by-month.

One-Time Payment Plans allow you to pay upfront for the full service period at a discounted rate.

Both options include the same core services — the difference is simply how you choose to pay.

How is your pricing structured?

Our pricing is structured based on negative items on your credit report and the level of work required.

The more complex the credit file, the more time, strategy, and documentation is required.

We provide a personalized plan after reviewing your credit monitoring report.

What counts as a negative item?

A negative item includes:

Collections

Charge-offs

Late payments

Repossessions

Foreclosures

Bankruptcies

Judgments

Certain hard inquiries

Incorrect personal information

If it is reporting negatively and affecting your score, it is considered a negative item..

What are Combo Plans and how do they help?

Combo Plans combine credit repair services with credit-building strategies.

This means we’re not only working to remove inaccurate negative items, but also helping you build positive credit at the same time.

This can often produce stronger and faster overall improvement.

Are tradelines required?

Tradelines are not required, but in some cases they can help strengthen your profile when used properly.

We evaluate your credit first before recommending any additional credit-building tools.

Why is credit monitoring required?

Credit monitoring is required because:

It gives us access to your full 3-bureau credit report

It allows us to track changes in real time

It helps us respond quickly to updates or reinsertions

Without monitoring, we cannot properly manage your case.

Is credit monitoring included in the plan?

No, credit monitoring is a separate service paid directly to the monitoring provider.

This keeps your reports active and accessible while we work on your file.

Do you guarantee a specific score increase?

No we do not guarantee exact score increases. We work to dispute inaccurate, unverifiable, and outdated information in accordance with federal consumer laws. Results vary by credit profile.

How long does the process take?

Each dispute cycle is ~30–45 days. Many clients see changes in the first 60–90 days, with continued progress through month 6.

Why are there tradeline tiers?

Tradelines vary in credit limit, which affects utilization impact. Higher limits can help strengthen credit faster. All other services are identical across plans.

How soon will I see results?

Results vary depending on:

The number of negative items

The age of accounts

The responsiveness of creditors and bureaus

Some clients see updates within the first 30–45 days, while others may take longer. Credit repair is a process, not an overnight fix.

Do you guarantee results?

We cannot legally guarantee specific results because every credit file is different.

However, we guarantee that we will work aggressively, strategically, and compliantly on your behalf to challenge inaccurate, outdated, or unverifiable information.

IMPORTANT DISCLOSURE

We cannot guarantee specific increases in credit scores. Results depend on credit profile, bureau reporting timelines, and responsiveness of lenders. We assist clients with disputing inaccuracies in compliance with federal consumer laws Individual results will vary.