1stCreditExperts provides individuals and or businesses consulting advice to improve your credit scores. We can help you regardless of your credit score at this time.
Should you have any questions, please call us at 307-429-4619 or 702-210-4201 during regular business hours
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Welcome to 1st Credit Experts — Helping You Repair Your Credit, One Verified Step at a Time
At 1st Credit Experts LLC, we know how damaging inaccurate credit reports can be. Whether you’re trying to buy a home, apply for a car loan, start a new business, or secure a credit card, the information reported about you can either open doors or shut them completely. Since 2008, we have been quietly helping individuals just like you clean up their credit history, remove invalid items, and take back financial control, without gimmicks, high monthly fees, or false promises.
We’re not a large faceless company. We don’t believe in automatic scripts or one-size-fits-all packages. Instead, we offer real help from real people, based right here in the U.S., with a clear mission: to help you remove inaccurate, outdated, or unverifiable items from your credit report — and only charge you when we do.
Why Fixing Your Credit Is More Important Than Ever
In today’s economy, your credit score affects everything from apartment applications, business deals to job opportunities. And yet, millions of Americans have errors on their credit reports lowering their scores unnecessarily. According to a study by the Federal Trade Commission, “1 in 5 people” has a material error on their credit report.
Our job is to help you identify those errors, challenge them directly with the credit bureaus, and work toward getting them removed in an ethically, legally, and efficiently process.
We serve adults across all 50 states who are ready to take control of their financial reputation. Whether you’re 21 or 85, good credit means options. And options mean freedom. Ready to start improving your credit report, visit our registration page.
If you have any questions which need to be answered immediately, please call 702-210-4201 during business hours.
do you know your credit score from all three credit bureaus?
There are several ways to obtain your credit reports, some are free, some have 7 day trial periods and some require month to month subscriptions. Depending on your purpose we have supplied below a few ways you can obtain your credit reports and credit scores. We do not own these companies, this is provided as a service to give you a way to obtain your credit score, better understanding of your credit score and how to best use this information. Actually, one of the companies we took advantage of their business affiliate program and we negotiated a lower cost for you, SmartCredit.com. With regards to the huge number of other companies providing credit score information, we felt the following four were the best for you to improve your credit score and price savings for you.
AnnualCreditReport.com This is a once a year free service. It will give you details about each of the three major credit reporting bureaus. Draw back is they do not provide the exact credit score of each bureau. This service is good for knowing what is on your credit reports, but not good for working on improving your credit score as you will never know what your final score has become. Remember, it is free so once a year is a good deal. Their cost $0
FreeScoreOnline.com (ScoreSense.com). This service has a 7 day free trial period and their reports are from the 3 bureaus and they provide the credit score for each. This is an excellent service for those who want to see the status of their credit score. During the 7 day trial you can cancel or go forward, your choice. Their cost is $29.95 a month then escalates to $39.95.
CreditKarma.com Yes, they provide free two credit bureau reports and with credit score, however it is not in a timely manner and if you check on any day with the exact bureau the scores seem to be lagging behind. We do not suggest using this free service to work on improving your 3 credit bureau scores. It does not contain all three credit bureaus and it is not accurate to monitoring credit score updating of the 3 bureaus. Their cost $0
SmartCredit.com This is a paid service, from what we have seen they offer best service for the price. We have negotiated a discount for you for their monthly services for those individuals who are serious about improving your credit score. Their services provide a complete , with credit scores per 3 credit bureaus, and it appears their information is up to date. Again, if you are serious about improving your credit, this company seems to be the best resource to use. Here is a link to their site and your cost will be $24.95 per month, rather than their regular price of $29.95. Their discounted cost $24.95
As with all services, it will take a few months in most cases to improve your credit score to the level you desire. Please remember, this is not a quick fix and beware of people who say they can solve all your credit problems in a few days, you might be adding more problems. Let us be real, it took a long time to get your credit to the condition it is currently, it will not be fixed overnight…
A Simple, Affordable Way to Start
We charge a one-time $47 registration fee, and this is the cost for setting up your profile with appropriate data in our system. Then you only pay if we get results. There are no ongoing monthly charges. You are never billed unless we get an item successfully removed from your credit report.
This is our guarantee. No tricks. No subscriptions. No dragging things out to keep you paying forever.
This structure puts us on your side and if we don’t get items removed, we don’t get paid.
Our Clients Say It Best
I paid a mortgage off in full, but it still showed up as a charge-off. They got it deleted in 3 weeks. I only paid once it was gone. J M, Chicago
This is the first credit company I’ve dealt with that didn’t overpromise. I paid the $47 and then only got billed when they fixed something. That’s what sold me. K R, Arizona
I was getting denied for apartments. They helped clean up my file and now I have a new place with a better rate. Best money I ever spent. A T, Miami
What We Can Remove — If It’s Inaccurate or Unverifiable
We do not dispute legitimate debts or accounts. Our process is grounded in fairness and the law. Credit reports often contain many kinds of errors and they can cost you dearly.
We work to remove incorrect information like:
* Incorrect Name on Report
* Incorrect Date of Birth
* Incorrect Social Security Number
* Incorrect Employer Information
* Incorrect Address(es)
* Duplicate Accounts
* Accounts Not Belonging to Client
* Mixed Credit Files (Belonging to Someone Else)
* Accounts Opened Due to Identity Theft (With Docs)
* Collections – Paid or Unpaid *
* Charge-Off Accounts *
* Late Payments (30/60/90+ Days)
* Medical Collections *
* Repossessions *
* Foreclosures
vBankruptcies – Chapter 7 or 13
* Student Loan Late Payments
* Public Records – Liens, Judgments *
* Evictions or Rental Collections *
* Closed Accounts Reporting Incorrectly
* Settled Accounts Still Showing as Unpaid
* Accounts with Balance or Limit Errors
* Accounts with Wrong Payment History
* Outdated Negative Items (Past Statute Limits)
* Hard Inquiries – Unauthorized
* Hard Inquiries – Duplicate or Inaccurate
* Accounts Reported After Bankruptcy Discharge
* Incorrect Date of Last Activity
* Accounts Missing “Disputed by Consumer” Notation
* Duplicate Hard Inquiries for the Same Creditor
* Accounts Reporting Inaccurate Status
* Accounts Still Reporting After 7 or 10 Years
* Incorrect Date Opened or Closed
* Debt Assigned to Collection but Still on Original
* Inaccurate Account Type (Revolving vs. Installment).
The Process of Credit Repair Made Simple for You…
We communicate directly with Equifax, Experian, and TransUnion on your behalf. Each time we get a verified removal, we notify you and issue a detailed invoice. You know exactly what was removed, when, and why.
We Respect Your Time and Privacy
1st Credit Experts LLC complies with PCI DSS data security standards and does not collect or store full credit card numbers on paper or unencrypted systems. All payments are processed securely online through our PCI-compliant merchant provider. For your protection and ours, we do not collect credit card numbers on paper to safeguard your financial information.
To begin, you’ll complete a secure registration form and submit your free credit report from AnnualCreditReport.com — the official government-backed site providing access to all three credit reporting bureaus once a year.
We also recommend you sign up for a monthly 3-bureau credit monitoring service, such as SmartCredit, IdentityIQ, or MyFICO. This allows us to track your file and show you what we’ve accomplished. Every deletion is documented, and you’re billed only when something actually comes off your record.
Why Choose Us?
✓ Pay Only for Results
Most companies charge you every month whether or not anything changes. We don’t.
✓ Established in 2008
We’ve seen the credit repair world change over the years, and we’ve stayed true to what works legally and ethically.
✓ No Hidden Fees or Contracts
One $47 fee. Then pay only for items successfully removed. No surprises.
✓ Fully Transparent Process
You’ll receive a full rate card and tracking log so you know what was removed, by which bureau, and when.
✓ We Follow the Law
We never dispute legitimate debt. We only go after items you state are inaccurate, outdated, or unverifiable, just as the law allows.
You Should Start Today
Getting started with 1st Credit Experts is simple and takes less than 10 minutes:
* Fill out our short client intake form.
* Pay your one-time $47 registration fee online.
* Download your free credit report from AnnualCreditReport.com and email it to us.
* (Optional but recommended) Sign up for monthly credit monitoring so we can track updates in real time and you can verify when we remove an item from your credit report.
Once we have your information, we’ll begin analyzing your credit profile and submitting dispute requests where appropriate. As soon as we receive confirmation of any item removed, we’ll send you a clear invoice with details of what was deleted and which bureau processed the change.
We Work Nationwide
Whether you are located east coast, west coast or anywhere in between, our service is remote, secure, and built for speed. As long as you have access to the internet and can send us your credit information we help you obtain your best credit score you deserve.
Expanding Your Future – 1stCreditExperts.com
1st Credit Experts
This website and more than 875 other websites are part of the Reed Consortium Network spanning over 32 years of owning and building business online.
1st Credit Experts:
We do not guarantee any outcome. You can do this on your own for free. We are not affiliated with any government agency
