Tony's Credit Repair
Build The Credit That Buys The Life You Want.
Pay Off Debts. Save More Money. Live Life On Your Terms.
The Cost of Bad Credit
Better Credit Could Save You Over $165,184
Enter your credit score and loan amount to see exactly how much bad credit costs you in extra interest — compared to what someone with excellent credit pays.
640
Mortgage APR
6.90%
vs 5.66% excellent
Auto APR
9.32%
vs 4.18% excellent
Card APR
20.45%
vs 11.32% excellent
Your mortgage costs $363/month more than excellent credit — that’s $4,360/year
Mortgage Interest (30yr)
Total interest on a $450,000 home loan
You pay $130,786 more
Auto Loan Interest (5yr)
Total interest on a $35,000 vehicle loan
You pay $5,074 more
Credit Card Interest (5yr)
Interest on $8,000 revolving balance
You pay $2,324 more
Insurance & Deposits
Higher premiums & deposit requirements
You pay $27,000 more
Your Potential Lifetime Savings
$165,184
That’s how much you could save by improving your credit from Fair to Excellent — across your mortgage, auto loan, credit cards, and insurance over time.
APRs based on national averages by credit score tier. Actual rates vary by lender, market conditions, and loan type. This tool is for educational purposes only and not a commitment to lend.
Your Credit Doesn't Have to Hold You Back
Negative accounts, late payments, collections, charge-offs, and other credit-reporting issues can make it harder to qualify for the things you want. Tony's Credit Repair helps you identify what's hurting your credit, challenge inaccurate or noncompliant reporting, and build a stronger credit profile with a personalized plan.
Schedule a Free Consultation4.9 / 5 · 67 verified reviews
4.9 / 5 · 67 verified reviews
Real People. Real Results.
Don't just take our word for it. Here's what our clients have to say about their experience.
“Tony and his team helped me remove items I thought would be on my report forever. My score went up 120 points and I finally qualified for my mortgage. The compliance approach really works.”
“After a bankruptcy, I thought I was stuck. Tony's Credit Repair walked me through everything, challenged the reporting, and helped me rebuild. I'm now in a much better place financially.”
“What sets them apart is the education. They don't just fix your credit — they teach you how to maintain it. The 5 Points of Compliance method is completely different from other companies I tried.”
Reviews verified through independent third-party platforms.
A+ BBB Accredited BusinessRecent Client Success Stories
Michael R.
Los Angeles · Qualified for mortgage
Sarah M.
San Diego · Bankruptcy removed
James L.
Orange County · Auto loan approved
Jessica T.
Riverside · Refinanced at 4.2%
David K.
Sacramento · Collections removed
Maria G.
San Bernardino · Bought first home
Michael R.
Los Angeles · Qualified for mortgage
Sarah M.
San Diego · Bankruptcy removed
James L.
Orange County · Auto loan approved
Jessica T.
Riverside · Refinanced at 4.2%
David K.
Sacramento · Collections removed
Maria G.
San Bernardino · Bought first home
How It Works
A compliance-based approach to your credit
- 1
We start by reviewing your credit reports to identify the negative accounts affecting your credit and how they are being reported.
- 2
Unlike traditional credit repair companies that rely primarily on basic disputes, our 5 Points of Compliance process challenges whether the credit bureaus and data furnishers are meeting applicable credit reporting requirements.
- 3
As responses and updated reports come in, we review the results, determine the next course of action, and continue challenging the negative accounts based on your selected program.
- 4
Along the way, you'll also receive credit education and guidance to help you build and maintain stronger credit.
What You Can Expect
- Free Credit Health Check
- Progress Reviewed Approximately Every 30–45 Days
- No Hidden Fees or Surprise Charges
- A Challenge or Dispute Strategy Based on Your Selected Program
- Personalized Credit Education & Support
- Money-Back Guarantee Available With Our Advantage Program*
What Makes Us Different?
If You've Tried Credit Repair Before, This Is for You
The problem with most credit repair companies is that they rely on the same traditional dispute process month after month.
We take a different approach. Instead of simply DISPUTING negative items, we CHALLENGE the reportable factors of the account itself using our 5 Points of Compliance Method and a targeted reinvestigation process.
We examine whether the information being reported is accurate, timely, complete, consistent, and properly verifiable — and challenge the credit bureaus and furnishers to back up what they are reporting with verifiable documentation — not simply repeat the same information already appearing on the credit report.
When disputed negative information cannot be properly verified through the reinvestigation process, the FCRA provides for its permanent deletion from the consumer's credit file.
If traditional credit repair has failed you before, this is exactly why our process is different.
- Unlimited Challenge LettersOutdated dispute letters
- Letters up to 2X per month*Typically once per month
- Customized Challenge LettersGeneric dispute letters
- Credit RebuildingTypically not included
- Personalized ServiceJust a number
- Not Always Accredited
- Licensed & BondedVaries by provider
- Dashboard With Progress UpdatesLimited reporting
- Debt Repayment GuidanceTypically not included
- Budget & Credit GuidanceTypically not included
- Wealth-Building GuidanceTypically not included
- Unlimited CoachingLimited support
- Home-Buying HelpTypically not included
- Money-Back Guarantee*Varies by provider
*Frequency of challenge letters depends on the selected program. Money-Back Guarantee applies only to the Advantage Program and is subject to the terms and eligibility requirements of the guarantee.
3 Steps To Start Building Your Dreams Through Better Credit Today!
STEP #01
Book A Free Credit Strategy Session
We'll go over your current credit status/history, future financial and personal goals, and how we can help make them happen.
STEP #02
Choose The Program That Fits You
Choose the option that best fits your credit situation, timeline, and budget.
STEP #03
Let Us Get To Work
Once you enroll, we'll get started challenging your negative accounts and working to improve your credit.
MOST AGGRESSIVE
ADVANTAGE
+ required credit monitoring
$299 initial Processing / Creation
- 5 Points Compliance Letters — 2X per month
- Designed for significant negative credit
- Best for clients with a more urgent goal
- Money-Back Guarantee
- Typical estimated timeframe: 4-6 months
MONTHLY CHALLENGES
CORE
+ required credit monitoring
$199 initial Processing / Creation
- 5 Points Compliance Letters — 1X per month
- Designed for moderate negative credit
- Best for less urgent credit goals
- No Money-Back Guarantee
- Typical estimated timeframe: 7-10 months
LOWER MONTHLY COST
BASIC
+ required credit monitoring
$149 initial Processing / Creation
- Basic disputes once per month per account
- Best when budget is the primary concern
- Slower, only uses basic disputes
- No Money-Back Guarantee
- Typical estimated timeframe: 10-18 months
SELF-SERVICE
DIY
Lowest-cost option
See details for pricing
- More hands-on involvement from the client
- Lowest-cost option
- Best for someone comfortable doing more themselves
- No Money-Back Guarantee
- Typical estimated timeframe: 12-24 months