Credit restoration involves improving your credit score by removing negative items from your credit report. The process includes:

1. Analyzing Reports: Identify negative marks and errors.

2. Disputing Inaccuracies: Challenge incorrect items with the credit bureaus.

3. Debt Validation: Request proof from collectors; unverified debts are removed.

4. Negotiating with Creditors: Settle debts or request goodwill deletions.

5. Building Positive Credit: Make on-time payments and maintain low credit utilization.

6. Monitoring Progress: Keep track of changes and maintain good habits.

Under the Fair Credit Reporting Act (FCRA), you have the right to dispute any item on your credit report that is inaccurate, incomplete, or unverifiable. If the credit bureaus or the creditors cannot verify the accuracy of the information, they must delete it. At Credit Prime USA, we can help you dispute the following types of potentially inaccurate or unverifiable items:

• Late payments

• Medical Bills

• Collection accounts

• Charge-offs

• Bankruptcies (must be dismissed or discharged for at least 6 months)

• Foreclosures

• Student Loans

• Tax liens

• Repossessions

• Inaccurate or unauthorized credit inquiries

• Any other account that is negatively impacting your credit and reporting incorrectly

👉 Important:
We do not promise or guarantee the removal of any item. Items can only be removed if they are found to be inaccurate, outdated, incomplete, or cannot be verified by the furnisher or the credit bureau. Based on the Fair Credit Reporting Act (FCRA),

At Credit Prime USA, we offer flexible plans designed to suit your needs and budget—with no charge today and no payments for the first 6 days. Our pricing is simple and transparent:

VIP Package

• $147/month

• Work Fee: $127 (No Charge for 6 days!)

Premium Package

• $97/month

• Work Fee: $77 (No Charge for 6 days!)

Standard Package

• $47/month

• Work Fee: $47 (No Charge for 6 days!)

No contracts: Cancel anytime.

Refund eligibility after 90 days if no results are achieved, per agreement terms.

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        You Get a $0 Work Fee!

When you sign up for Credit Prime USA, your onboarding is automated through our most powerful software ever invented, ensuring a fast, secure, and fully compliant experience, with no phone or video calls required.

Here’s exactly what to expect:

1. Activate Credit Monitoring
   Choose a required credit monitoring provider:
   SmartCredit
   MyFreeScoreNow
   MyScoreIQ
   IdentityIQ
   This is needed so we can access and analyze your credit report securely.

2. Sign Your Service Agreement

3. Enter Your Personal & Payment Info
   Your information is securely entered through our onboarding form.
   Note: Your card is required to reserve your spot — but you won’t be charged for 6 days, and only after services begin.

4. Upload Required Documents
   You’ll be prompted to upload:

   • Government-issued ID

   • Proof of address

   • Any supporting documentation related to disputes

5. Provide Login Credentials
   Enter your credit monitoring login so we can import your credit report automatically.

6. Gain Portal Access Once the form is complete, you will receive a login to your Client Portal. 

   The portal is also available via mobile app for iPhone and Android.

7. Optional: Book Your Onboarding Call
   You may schedule a call with our onboarding team — only after sign-up is complete — for support or walkthroughs.

• Custom Credit Audit
  Our experts will review your report and prepare a personalized action plan, identifying all negative items and opportunities for improvement.

• Dispute Process Begins
  We immediately begin challenging inaccurate items with credit bureaus and creditors — using accelerated dispute tools to move fast.

• Ongoing Progress Updates
  You’ll receive monthly updates, dispute results, and credit education as your score improves — plus support anytime you need it.

Most clients begin to see progress within 30 to 180 days. However, the full process varies depending on your unique credit situation. We work monthly until you're satisfied with the improvement. Each client receives a personalized credit improvement strategy, and we work with you month-to-month to track progress and adjust as needed.

At Credit Prime USA, we specialize in helping individuals take control of their financial future through personalized credit restoration strategies. Here's why we're the trusted choice:

Proven Results – Our clients have seen real improvements, including score increases of 50+ points within just a few months.

Tailored Credit Solutions – We don’t believe in one-size-fits-all. Every credit plan is customized based on your unique credit profile and financial goals.

Ethical & Transparent Service – We operate in full compliance with the Credit Repair Organizations Act (CROA). No hidden fees. No false promises.

Self-Service Enrollment – Our automated sign-up process means no sales calls and no hassle. You stay in control every step of the way.

Full Support & Education – From dispute letters to rebuilding guidance, we provide all the tools you need to restore and maintain a healthy credit profile.

Money-Back Guarantee – We stand by our service. If you’re not satisfied within a set timeframe, we offer a 90-day money-back guarantee as outlined in the signed service agreement and are subject to terms and conditions.

• We comply with the Credit Repair Organizations Act (CROA) and Telemarketing Sales Rule (TSR).

• No phone or video calls are used to close sales—ensuring full legal compliance.

Tracking your credit restoration progress with Credit Prime USA is simple and transparent:

24/7 Client Portal Access – Once you enroll, you’ll receive secure login access to your personalized client dashboard where you can monitor every step of your progress.

Dispute Updates – See which negative items have been challenged, what responses have been received from the credit bureaus, and which items were deleted, corrected, or verified.

Score Tracking – Watch your credit score improve over time with integrated score tracking tools (when linked with a credit monitoring service).

Email & SMS Notifications – Get regular updates about dispute results, upcoming dispute rounds, and any recommended next steps.

Monthly Consultations – Our premium and VIP Plan clients also benefit from one-on-one check-ins to review progress and adjust your strategy.

The portal is also available via mobile app for iPhone and Android.