Captain Credit LLC will find ways to improve your credit by removing inaccurate negative items that are holding back your credit scores. .
Take the next steps to improve your successful financial journey by following these three simple steps:
Enroll – We’ll give you a FREE consultation and credit analysis.
Let’s Get To Work – While we use the law to challenge negative items on your report.
See Results – Log in to see real-time updates every step of the way.
We help improve your credit by removing the following items:
When an account becomes seriously past due, the creditor may decide to turn the account over to an internal collection department or to sell the debt to a collection agency. Once an account is sold to a collection agency, the collection account can then be reported as a separate account on your credit report.
Regardless of the reason, there are several consequences to making late payments, including: * Late payment fees. * Interest added to the delinquent payment. * Possible termination of service or default of the loan. * The late payment showing up on a credit report. Payments that are less than 30 days late often do not show up on someone’s credit report, unless they occur frequently.
Hard inquiries can be harmful to a borrower’s credit score. Each hard inquiry usually causes a small credit score decrease for a borrower. Hard inquiries remain on one's credit report for two years. Generally, a high number of hard credit inquiries in a short period of time can be interpreted as an attempt to substantially expand available credit which creates higher risks for a lender
A charge-off is a debt that a creditor has given up trying to collect on after you’ve missed payments for several months. These can include balances from a credit card, mortgage, or other debt you take on. As a last resort, the creditor can decide that the debt is a loss for the company and designate it as “charged off.” But that doesn’t mean you’re off the hook.
Repossession hurts your credit score. In fact, it's one of the worst things that can happen to your credit, making your financial life more difficult for years to come. First, the late payments leading up to the repossession will damage your credit score once they're reported to the credit bureaus. Then, the repossession itself will be listed in the public records section of your credit report.
Bankruptcy, Inquiry removals, Pay-Day Loans, Child-Support, Public Records, and much more!
Other credit repair companies charge an average of $300 per deleted item which can become expensive quickly. Considering the average credit report has 11 items that could be removed. We make it affordable by proving UNLIMITED disputes and deletions for only a fraction of the cost.
I’m Alex, Founder & CEO of Captain Credit.
After realizing that the traditional 9-to-5 wasn’t for me, I pivoted toward entrepreneurship and discovered the power of credit. Through mentorship, learning, and a relentless pursuit of financial literacy, I launched Captain Credit to help others improve their credit and achieve true financial freedom.
At Captain Credit, we focus on results, integrity, and helping clients transform their financial lives. When you work with us, you’re not just getting a service — you’re gaining a dedicated team committed to your success.
Let’s rewrite your financial story — together.
Yes, credit repair is legal and our credit education and document processing services will help you to use the law in your favor. That law is called “The Fair Credit Reporting Act.” The FCRA gives you the right to dispute any item on your credit report. If that item cannot be verified within a reasonable time (usually 30 days) it must be removed. Studies have shown that 79% of all credit reports contain errors. This is nearly 8 out of 10 reports. Therefore most credit reports improve immediately. For items that disputed that are not errors, a creditor or furnisher is often unable to find the records or signed documents within the allotted time and the item gets removed. Sometimes the furnisher will say it has been verified by not offer proof. It is our job to prepare documents that challenge this and we are very skilled at that.
Absolutely. Good credit can save you thousands in interest, help you get approved for homes, cars, or business funding—and even boost job opportunities.
We will guide you through the process from start to finish and prepare all your documents for you. We have a superb knowledge of credit scoring and experience working with creditors and credit bureaus. It may be difficult for an individual to communicate with creditors and bureaus without an adept understanding of their techniques and regulations in place for credit reporting. We have spent a great deal of time learning the laws that will help you to remove negative information on your report, which enables us to offer you a flawless, money back guarantee system.
Unfortunately, since every credit report is unique, there is no way to predict how long it will take to repair your credit. Having said that, we help hundreds of thousands of people each year in working to restore their credit, and they typically stay with us for six months. With our team of professionals, our removal process is streamlined to get you results.
There are two sides to the credit score battle. Sometimes, the creditors and the credit bureaus have done absolutely everything right and we have no case against them. On average, clients are able to remove 70% of the negative items from a credit report.
With our assistance and document processing, our clients have had great success with bankruptcies, foreclosures, collections, charge-offs, repossessions, medical bills, credit card debt, inquiries, late payments, old addresses, judgments, tax liens and student loans.
