Up Credit Repair


Repairing Your Credit
in a Powerful Way

We are the most trusted and approved leaders in the credit repair market because of our thorough and effective attorney-based credit repair approach.

credit repair

Welcome to Up Credit Repair!

About Our Company

We can also provide you suggestions on how to offer genuine, ethical, and lawful credit repair to customers who have encountered financial difficulty. The ultimate goal of ambition is financial freedom since it opens the door to the lifestyle you’ve always desired. If you want help from a reputable credit repair firm, get in touch with us.

Credit Examination

Our attorneys will carefully review your credit report for any item that is inaccurate, misleading, incomplete, and/or unverifiable in any way.

1-on-1 Plan

After we discover your areas of improvement or the disputes available on your credit, your personal Case Advisor will fight for you.

Seeing Guaranteed Results

After the bureaus respond to our disputes, will start to see improvement in your credit. Time depends on the number of items filed.

Attorney Advantage

By implementing audits and enforcing federal laws and acts of Congress, the lawyers at Strong Credit Repair will start free low credit scores.

Careful Credit Management

Not only we fight for you to improve your credit score, we also setup a credit management system so you can keep track of your progress.

Enjoy Better Credit

From lower auto insurance rates to a decrease in the interest rates on home mortgages, you can start enjoying the many benefits of a better credit score.

Hurry Up! Contact us today for a



Our forceful credit repair method, supported by lawyers, is regarded as the greatest in the nation. We are the industry’s most reputable leaders when it comes to credit reports. Our efforts to uphold your rights always yield positive outcomes. For those who have encountered difficulties and are attempting to put their life and credit scores back on track, we would also provide you with guidance on true, ethical, and legal credit repair. The ultimate objective is to pay off your debt and have enough money to live the life you desire. Get assistance from a business that is skilled in fixing credit by contacting us.

Everything You Need to Know About Fixing Your Credit Score

The Covid-19 epidemic has been devastating us since early 2020 and has had a huge influence on the financial sector globally, including the dramatic decline in consumer credit consumption. The number of loan defaults has grown at the same time as use is down. The majority of individuals today, particularly those in the middle to lower economic classes, rely heavily on credit, making this a devastating occurrence.
Credit is used for many things in our life, including paying for our children’s education and purchasing a vehicle or home.
Although credit is something that most people blame for their financial woes, it has also been a godsend for certain individuals as well. It’s not about the credit itself, but rather understanding how to handle it sensibly given our degree of risk and competence. Credit has enabled people to meet their fundamental requirements quicker and easier than they should have.
Because of this, losing the ability to pay your credit will significantly lower your quality of life.

What Is Credit Score – Credit Repair

A person’s capacity to repay credit debt is indicated by their credit score, which is only a number. Bill-paying history, current outstanding debt, the quantity and kind of loans you have, the length of time the account has been open, the amount of available credit that is presently being used, and the amount of credit that you are now requesting for make up your credit score.
Your credit score also takes into account some of the negative entries in your credit history, such as whether you have any outstanding debt or if it has been forcibly collected, a foreclosure, or even bankruptcy.
Your credit score increases in direct proportion to how responsibly you have handled your debt and how legally you have carried out your payment obligations. Additionally, a better credit score might persuade a possible lender you may use in the future to grant you a loan with less difficulty. Having a good credit score also makes it simple to request a larger loan and a longer loan term.
Despite the fact that there are several credit score models, generally speaking, the range is as follows:

  • 300-579: Poor
  • 580-669: Fair
  • 670-739: Good
  • 740-799: Very good
  • 800-850: Excellent

Now, let’s take a look at the history of credit scores before we go further into what they are, why they are used, and how to improve them.

The History Of Credit Scores – Credit Repair

credit repairSurprisingly, despite the fact that the use of loans and credit dates back more than 2,000 years, the credit score has only recently been popular. Even more astonishing is the fact that the foundation for credit ratings was laid over 200 years ago.
An odd component of an economic system is a credit score. It’s a component of the financial revolution that fuels the growth of the so-called “American Dream,” as well. a component that supports contemporary capitalism in America.
The technique of credit scoring, which was formerly known as credit reporting, was first noted in the 1820s by commercial lenders who sought to assess the risk associated with examining their prospective clients. The Bradstreet Company and R.G. Dun & Co. were the two most well-known credit rating firms by the middle of the nineteenth century. To forecast the risk element of applicants for commercial credit, both of these businesses created alphanumeric scores.
However, as it was at the height of immigration to the USA, the system was criticized for being unjust. Critics claimed that the scoring system favored one set of individuals while degrading the other.
The FICO Scoring system was not created until the 1970s, when the system had finally reached maturity.

FICO Scoring System – Credit Repair

The Fair Isaac Corporation developed a credit rating system called FICO (FICO). When calculating creditworthiness, FICO ratings use information from five categories: payment history, current debt load, credit kinds utilized, length of credit history, and new credit accounts.
Today, FICO scores are employed in more than 90% of American credit decisions. Additionally, even if prospective borrowers may have justifications for bad items on their credit record, having a low FICO score will still be a deal-breaker for the majority of lending institutions.

How Credit Score Is Calculated – Credit Repair

You must first realize that you have more than one credit score. Depending on how scoring is used to compute them, there are several credit scores. But generally, five factors are taken into account while determining your credit score.

Your payment history will be one of the first things a credit scorer looks at. The history of your payments will reveal if you pay your bills on time, whether you’ve ever missed a payment, how many days over the due date you pay your bills, and how recently missed payments have occurred.
One of the key things you should avoid in this part is to never have a payment that is past due for more than 30 days. This will severely hurt your credit score.
Your payment history, the amount of accounts with past-due balances, and whether you’ve kept the accounts current are all taken into account when determining your credit score.
Your rating will increase the more committed you are to making your payment. On the other side, every payment you miss will lower your credit score.

Credit Card Debt
The amount of your loan, the variety and quantity of your accounts, and the percentage of your loan relative to your available credit are all taken into consideration when calculating your score in this area.
Your credit score will be negatively impacted by high balances and maxed-out credit cards, but lesser amounts with timely payments may actually improve it. Your credit score may momentarily suffer if you take out new loans with minimal payment history, but debts that are closer to being paid off might raise it since they have a successful payment history.

Credit Forms Applied
Your present forms of credit will also be taken into account by the credit scorer. Installment loans and revolving debt (such as credit cards) are some of them (such as mortgages, home equity, auto, student, and personal loans).
The number of each sort of account you have is another issue. Your ability to handle a variety of debts at once will be evaluated by both the credit rating firm and prospective lenders. Your reliability with regard to your debt will be shown.

Credit History Duration
Your credit score will increase the longer you have a history of making on-time loan payments. When taking into account your credit history, credit scoring algorithms often take into account the average age of your credit. For this reason, you want to think about keeping your accounts open and active.
Credit may be seen negatively by certain individuals, who may avoid receiving more of it. But in reality, having any kind of credit—even if you just use it sparingly—and paying it off on time is preferable to having none at all.

Unusual Credit Activity
It may be a sign that you are having financial problems and need assistance if you open a new credit account in your name. Because of this, some individuals decide not to get a new credit card.
However, once you have these fresh credits, credit scoring algorithms will also take into account your subsequent behavior. And if you follow the conditions of payment and make payments on time every time, your credit score might increase.

Checking Credit Score Online

Knowing your credit score is now much easier thanks to the internet’s evolution. You may check your credit score for free on several websites to be ready for your next credit application.

What Credit Score Is Considered Good – Credit Repair

credit repairCredit scores of 580 and higher will typically be seen as acceptable enough to secure a loan, however ranges depend on the credit scoring algorithm. However, if your credit score is better (up to 800), prospective lenders will be more confident in you and see you as more deserving and accountable for your debt. This will give you additional time to get a loan or possibly a greater credit limit.
Generally, lenders consider applicants with credit scores of 670 or above to be acceptable or low-risk customers. The phrase “subprime borrower” refers to those with credit scores between 580 and 669 who may have a harder time getting better loan arrangements. Under 580 credit scores are considered to be in the “bad” credit area and might make it difficult to get credit or be approved for better loan conditions.

Why Credit Score Went Down- Credit Repair

You now have a better understanding of credit scores, including how they are calculated, why they are significant, and why you should care. However, did you realize that a variety of factors might have an impact on and lower your credit score? Here is a list of eight things you should stay away from to protect your credit score.

A payment that is over 30 days late
Payment history is a crucial component of credit score, as was previously mentioned. Up to 35% of your credit score’s computations, according to FICO, are made by them.
However, it’s not as if a little blip would suddenly harm your credit rating. It’s possible that a few days or even a week of late payments won’t appear on your credit record. However, card issuers will report them to the credit agencies as delinquent after they are 30 days overdue. Your credit score will suffer greatly as a result of this.
More harm will be done to the number if your payment is overdue for more than 60 or even 90 days.
Therefore, it is recommended to utilize a calendar or even an automated payment to make sure that your payment is never late when you have many credit loans to handle.

You’ve cancelled a credit card.
There are two factors that might lower your credit score if you close your credit card. First off, cancelling or losing a credit card results in a reduction in credit limit. The system will assume you are incapable of managing your debts if your credit limit decreases since you will have less credit to handle.
The average duration of your credit history is negatively impacted by closing a credit card, which is the second factor that might lower your credit score. When you cancel an older account, it may have a bigger impact on your average account age. If it’s not absolutely required, think twice before closing your oldest credit accounts.

Having Your Unpaid Account Marked for Collection
You could believe that a credit score firm solely deals with your credit cards and other loans, but there are other forms of loans as well. Your monthly costs, such as your phone and power bills, might also have an impact on your credit score.
When you don’t make timely payments on certain of your debts, the service provider may send a copy of your record to a collection agency, which will mark your account. Additionally, having your account flagged by the collection agency would significantly lower your credit score.

You’re submitting a brand-new credit application.
You raise your risk level for the lender when you apply for or are already accepted for a new credit account. Additionally, according to FICO, a new credit account application increases your credit score by 10%.
But there’s a catch to this. Your credit score will drop if you apply for a new credit account, but this effect only lasts for a year. In addition, if you don’t make any credit errors throughout that time, your compliance will cause your credit score to gradually improve.

Modification of the Credit Utilization Rate
Another important element in evaluating your credit score is your credit utilization rate, which is the percentage of credit that is presently accessible to you. Even FICO assigns 30% of the entire credit score’s worth to this important aspect since it is one of the most important ones.
For instance, a sizable purchase, like a trip or a brand-new piece of furniture, might raise your credit use and reduce your credit score. Though how much? It fluctuates based on a number of different variables. As a result, make sure your credit usage percentage is 30% or less just to be cautious.

lowering of the credit limit
Even if your spending remains the same, your credit score drops if you hold a debt on a credit card with a low credit limit since your credit usage goes higher.
Consider this: if you have a $10,000 credit card limit, using and paying $3,000 per month implies you are only using 30% of your credit limit. But unexpectedly, your credit card company chose to reduce your limit to $5,000. Your credit-to-debit ratio will rise sharply to 60%. Additionally, this hurts your credit score.
So, keep track of your monthly credit card limit and if it changes suddenly or remains the same. By using a different credit card and reducing your use of the one in question when the limit unexpectedly drops, you may outsmart the situation.

Your credit score will undoubtedly plummet if you file for bankruptcy or are found to be insolvent. But it won’t continue indefinitely. In 7–10 years, bankruptcy will disappear from your credit history, and you’ll probably acquire a new credit card. Unfortunately, let’s say you get a new credit card after declaring bankruptcy. If so, you may find it harder to repair your credit score since you will be judged against others who have never declared bankruptcy.

Identity theft or credit fraud
The final and most heinous reason why your credit score drops is that someone could have stolen your identity and filed for a loan or credit card in your name. It is crucial to continue constantly checking your credit because of this.
You will be able to identify any discrepancies with your credit score by keeping a careful check on your credit score and credit report. When anything unusual happens and you are certain that nothing improper has been done with your credit account, you must report it right away to the credit bureaus. Additionally, if you wish to stop identity theft, you may start by momentarily freezing all of your credit accounts.

Benefit Of Better Credit Score

But why do we need a high credit score? Does having a decent credit score—or even a high one—really help?
Credit loans, as well as other types of loans, are not as horrible as people make them out to be. At least on the surface, it seems that even some of the richest individuals utilize debt to increase their income and “game” the system. What counts is how you utilize the product to your benefit; it doesn’t matter what it is or what it has accomplished generally.
Because if you have a decent enough credit score, let alone an amazing one, you will gain much. Below is the list.

Better chances of receiving a loan
Many individuals have claimed that every bank despises them. They seem to earn little money since all of their credit requests have been denied. Although it’s true that lenders may also consider your income and other debts when determining whether you qualify for a loan, your credit score is just as important—if not more so—than these factors.
It will be simpler for you to get credit or a loan if you have a high credit score. If you have a high credit score, you may be able to get a lower credit limit while having a low income.

Lower interest rates on loans
There are several interest rates associated with loans and borrowing money. Your credit score is the main factor affecting interest rates out of a number of factors. You have the greatest chance of receiving the lowest interest rate conceivable if you have a high credit score.
A reduced interest rate will make it more difficult for you to repay your loan and will free up more cash for other uses.

Increasing your credit is simple.
Your ability to get credit or loans relies on your income level and credit score. It will seem that you are not a good money manager if you make a lot of money but have a poor credit score. You will still have trouble obtaining a greater credit limit as a result of this.
The lender is more likely to grant you the greatest limit allowed for your income if your income is lower but your credit score is high.

Additional locations to live
The decision of a house is not simple. Where you reside and the quality of construction of your home and its furnishings will determine how comfortable and content your family is. However, since the lender will examine your credit score, it might be challenging to get a mortgage for a home if you have poor credit.
And isn’t it unpleasant when you’re forced to accept less since your credit score makes it impossible for you to get better?
This is why having a high credit score is crucial. You will find it simpler to request a property with a greater price and better location if you have excellent credit. You could even be able to get additional loans to pay for home improvement items.

Cheaper Insurance Rates
Not only will having a strong credit score affect how you handle loans, but it will also improve how you handle insurance. An insurance provider will also calculate your insurance rate and, therefore, the premium you must pay using your credit score. Because the insurance provider is taking on a greater risk by insuring you if your credit score is poor.
People with acceptable credit (a FICO score between 580 and 669) spent 39% more for vehicle insurance, according to a research by insuranceQuotes. And to make matters worse, those with poor credit (a FICO score below 580) had to pay 103% extra.

An improved resume for prospective employers
Some employers do a credit check as part of their background investigation. This is particularly true if you work in finance or have a position that requires a security clearance. This is due to the fact that having high credit shows that you can manage your finances and are difficult to bribe.
This is why it’s crucial to check your credit score before to making a job application. Because a low credit score doesn’t necessarily indicate that you’ve made poor financial choices. It can be the case that the data contains an error.

additional charges on your credit card
Additionally, you’ll find it simpler to get a credit card or a greater credit limit, and you could qualify for a better credit incentive like a vacation or cash back. Lenders will prioritize you higher on their list of clients if your credit score is outstanding or exceptional since they will see you as a more probable borrower.

Possibility to Discuss Loan Terms
A solid credit score also gives you “ammunition” when negotiating loan conditions, which is the last benefit. You may take your credit statement to the next lender you visit and use it to negotiate better conditions, such as lower rates, longer payment terms, and higher incentives, after many lenders and authorities have reviewed your credit score.

How Can I Improve My Credit Score

credit repairThe benefit of having a good credit score. I believe everyone can agree on that. But how should we go about improving our credit score? You can certainly do a number of things to raise your credit score. One is to make timely loan repayments at all times. But here’s what you need to do if you genuinely want to take steps to improve your credit score:

Examine all credit loans.
You should first be familiar with your credit and debts. And by “know,” we meant that you must list all of your credit and loan obligations. What is the remaining balance, what is the interest rate, when are they all due, and most importantly, how long will it take you to pay them off?

Prepare your debt repayment strategy.
The next step is to find out a way to reimburse everyone. Even so, what does it mean?
If you know how to utilize your credit card, having one is fantastic. You may even be able to raise your credit score if you utilize it responsibly. The lender will believe you are a smart money manager if your usage rate is modest (between 7% and 30% at most). Make sure the debt remains below the loan limit so the lender can transmit your credit report to the credit bureaus successfully, giving you a high credit score.
Additionally, you must have a low usage rate and pay them off each month before the due date.

Get a credit builder.
An other method of raising your credit score is to apply for a credit builder card. A credit card with a limited limit and a high interest rate is a credit booster since you will only use a tiny amount of it each month. Your credit score will decrease when you apply for this new credit, but over time it will increase as a result.

Deal with any past-due accounts.
Your credit score will suffer greatly if a lender informs a collection agency that you have not paid back a loan for more than 30 days. And regardless of how many accounts you have with excellent credit you have, this one will continue to appear in the system and lower your score.
So, finish paying them off before speaking with the lender about this account. Once it’s over, it won’t significantly affect your credit score, and you may resume growing it.

To repair your credit, use a firm.
What if, though, you don’t know how to accomplish any of that? Perhaps you lack the resources—both time and money—to do study and manage your debt. Hiring a firm that improves credit is the simple remedy.

What Is A Credit Repair Company

Credit repair means exactly what it sounds like. It’s a business that helps you fix your credit score. Your low credit score could make it hard for you to buy houses or cars or get a loan for your business. But when you try to fix it on your own, you don’t know where to start and can’t even figure out what’s wrong with your credit score. That’s where a company that fixes credit comes in.
Credit counseling agencies, on the other hand, are usually non-profit groups whose goal is to teach you how to better manage your money, debt, and overall cashflow.
A credit repair company is a third-party service that offers to help you talk to the credit bureaus about the red flags on your credit score and works with them. They will help you get rid of old information and wrong information, and they will also help you raise your credit score over time.

How Does Credit Repair Really Work

Most of the time, the credit repair business will begin by requesting your credit report from each of the three credit agencies. They will next begin by reading the report to see if there are any odd things in it. Additionally, they’ll be on the lookout for negative marks like charge-offs, tax liens, and bankruptcies.
They will then start putting up a strategy for challenging errors and communicating with creditors to get those items removed on your report. Remember that a credit repair firm will not lie on your behalf but will make every effort to remove the red flags from your report.
The business will then advise you on the next steps to take in order to raise your credit score, such as applying for a new credit card that you can manage, deciding which credit card to pay off first, and what more you can do to monitor your credit.

How To Find The Best Credit Repair Company

If you need one, there are several credit repair businesses available. Even if not all of them are genuine, some of them can be con artists aiming to steal your money or your sensitive personal data. Here are the top three qualities you should search for in a credit repair organization.

You will need to deal with sensitive and confidential data if you want to repair your credit. Because of this, you must ensure that the business you engage to repair your credit is forthcoming about the status of their job. A reputable and trustworthy credit repair business will keep you informed about the progress of your credit repair and any new queries that affect your credit score.

helping assist clients
It can take weeks or even more than a month to repair your credit. You could benefit and have less to worry about if you choose a business with excellent customer service. A company that provides excellent customer service will be transparent with you about every stage of the process and keep you informed of the status of your credit repair.

Good Grades
A professional credit repair firm won’t be scared when the Better Business Bureau wants to look at their company and rate them. That’s because a positive BBB rating will boost a client’s faith and confidence in their company.

No Quick Fixes
Repairing a credit score that has been damaged for a long time is difficult. The procedure requires time and effort from you as well as the organization. Incorrect information on your credit report needs to be corrected, but extra action is required. You should also attempt to gradually rebuild your credit score.
There are no fast solutions in credit restoration, thus a trustworthy and legitimate provider of credit scores won’t guarantee that they can raise your score in a matter of days.

Assurances of restitution
Credit repair businesses are required by law to provide its clients a three-day, no-questions-asked money-back guarantee. Some even extend this promise to a 30- to 90-day period. Because a legitimate and respected business that is confidence in its abilities and methods will always provide a money-back guarantee if you aren’t satisfied with the results.

Zero Pressure
Working to repair your credit involves dealing with sensitive information about your prior financial dealings. Since they aim to help you without putting any pressure on you, a reputable credit repair business will constantly remind you to complete the required paperwork. At the same time, con artists who merely want to get your data will exert pressure on you to provide the information quickly.

Red Flags In Credit Repair Companies

credit repairAdditionally, as previously indicated, you need to be cautious since there are frauds in the credit repair sector. In a 2016 warning, the Consumer Financial Protection Bureau noted that more than half of the complaints it received concerning credit restoration contained claimed fraud or scams.

When selecting a firm to repair your credit, be wary of the following warning signs:
Before doing any job or requesting any data, requesting full payment in advance
preventing you from contacting the credit bureaus on your own suggesting that you provide false information in order to fix your credit
It does not detail any legal rights you may have and does not explain each negative item that affects your credit score.

The Credit Repair Organizations Act, or CROA, also imposed other requirements on credit repair organizations in addition to the red flags that fraudulent businesses may raise, such as:
provide a document outlining all of your legal rights to you.
allowing you to cancel the work within three days of the commencement date
Performing the credit company’s duty before assessing any fees

If the creditor you choose or are presently working with didn’t fulfill any of these duties, you may want to start doubting their reliability.


You may get various advantages from having a high credit score. You will be able to use the benefits of the credit or loan up to the maximum, pay a cheaper interest rate on loans and insurance, and also be able to take advantage of the finest lending terms.
But if yours is already tarnished, the best and simplest course of action is to seek assistance from a credit repair business. In addition to meeting all the requirements for a solid credit repair business, a reputable organization has a fair pricing.
find one difficult to locate? Don’t worry! You may always get in touch with us here at Broadlawn ND Credit Repair. We are one of the most tenacious credit repair businesses in Broadlawn and the nearby regions. With hundreds of satisfied customer records, we will do all in our power to ensure that you can fix any concerns with your credit record.
We’ll go to work on your credit repair as soon as you get in touch with us today.