Be The Master Of
Your Finances
We help individuals and small businesses just like you.
Let’s improve your Credit Score!
Get Started With Us
A better experience for your life, fewer headaches for your credit
About Leverage
Get Started Easily
Registration is free! We will connect you with the resources that best fit your needs for success.
Access Everything Online
Everything you'll need from us will be online. No need to travel or come in person to communicate.
Developed to help you build a stronger and better credit health
Our services
Our credit repair services are very simple and straightforward. We don’t mess with pay-per-removal or charge per specific dispute. We’re either able to help you entirely or not at all. Submit your “my why” form for a free consultation
Debt Settlement
We help you negotiate with creditors to reduce the total amount you owe.
Debt Consolidation
Combine multiple debts into one manageable loan with better terms and lower rates.
Business Credit Building
Step-by-step guidance to build strong business credit and boost your company’s credibility.
Business Funding
Apply for loans and credit cards using strategic methods to maximize your approval chances.
Credit Repair with ZERO Up-Front Fees!
No matter what service plan you select, we must complete the work before you pay!
New beginnings. That's what Leverage Services represents.
We all have our lows and our highs. So whether your journey to a perfect credit score is just starting out or you’re in need of resuscitation, we’re here to help. We’ll get you a fresh start and set you up for a stronger and brighter future in credit.
Boost Scores
Eliminate Debt
Avoid Scams
Maintain Credit
Secure Credit
Consolidate Debt
FAQs
Everything you need to know, in one place
WHAT IS CREDIT REPAIR?
Credit repair is a service provided under the CROA act that allows credit repair service providers to assist consumers in the correction of items on their consumer credit reports that prove to be inaccurate, outdated or unverifiable. Any credit repair agency that claims to be able to remove ANY and EVERY item other than those identified above is in violation of the Credit Repair Organizations Act (CROA).
WHAT IS CREDIT?
Credit is when you receive money, a good or a service, and you agree to pay for it in the future—usually with added interest. Nowadays, we use credit to buy lots of things, from houses and cars to groceries and clothing.
If you use it responsibly, credit can be a useful tool. But if you don’t, you’ll have to face some negative consequences that will make your life harder.
WILL IT HURT OR LOWER MY CREDIT SCORES TO GET MY CREDIT REPORTS?
We recommend a soft pull credit inquire from a third party of your choice (we assist with this step as needed) or a free annual credit report thru a government approved site like annualcreditreport.com. A soft inquiry will not affect your score since you are not asking for any type of credit line or loan and it’s only for personal purpose.
WHAT IS A GOOD CREDIT SCORE?
Generally speaking, there are five tiers of credit score. A good credit score is anything above 670.
WHAT IS A GOOD CREDIT SCORE?
Anything below 670 is considered poor or only fair credit.
WHAT ACTIONS HURT MY CREDIT?
Your credit can be brought down a lot faster than it can be brought up, so it might help to review these things that can hurt your credit:
Not paying bills on time
Filing for bankruptcy or foreclosure
Applying for too many credit accounts
Carrying high balances on your credit cards
Ignoring questionable negative items on your report
HOW MUCH CAN I EXPECT MY SCORE TO GO UP?
Because there are no two-credit reports that are exactly the same. This means that improvements we make on one person’s credit may or may not improve the score as much as another’s.Everyone’s results will vary, but you can be certain we will get you the best results possible.
HOW DO YOU RESTORE BAD CREDIT?
We review your credit report and see what’s holding your credit scores back and get right to work disputing any inaccurate, untimely, misleading, biased, incomplete or unverifiable items on your credit report. Addressing them accordingly and utilizing different laws like FCRA (Fair Credit Reporting Act) and other laws applicable to increase your credit scores. At the same time providing a tailored plan to avoid future credit problems and credit education along the way to make sure you have a healthy and accurate credit life.
DOES PAYING OFF MY BILLS REPAIR MY CREDIT?
Unfortunately, the credit reporting system doesn’t work that way. When you pay your debt, the negative credit listing doesn’t disappear. There is little difference between a paid negative item on your credit report, or an unpaid one.
HOW DO I GET FREE CREDIT REPORT?
The credit bureaus have to provide you with a free credit report every 12 months–it’s the law. Outside of this official source, there are many other services that will provide you with your credit score for FREE.
Why us?
"I care about your situation! Together we will fight until your credit is right!"
The truth about repairing your credit is that it is not as simple as sending template letters to creditors and credit bureaus. There are many laws nationwide and statewide depending on where you are located to regulate credit reporting. We stand with you to make sure that your credit report is reporting accurate and complete. At least 1 out of 3 Americans have inaccuracies on their credit report!
Alexander Naranjo
CEO of Leverage Services
