Our Services

How It Works:

We understand that maintaining a clean and healthy credit profile is essential to your financial health as it can affect every aspect of your “financial” lives, including obtaining or the denial of credit, mortgage, auto loan or even employment opportunities. We are a consulting company specializing in improving your credit positioning and financial future through credit education and restoration. When it comes to dealing with creditors, collectors, and credit bureaus, you need someone that has experience applying the FCRA and FDCPA laws in these areas to get the best results. We have the expertise you need to deal with any situation presented by the creditors, collectors, and credit reporting agencies.

Our Process:

Our all inclusive Full Service Credit Restoration Service focuses on all three credit reports. Credit files are comparable to DNA. Every file has it's own unique characteristics and is never identical. Credit repair is a process of working each derogatory item independently by challenging them with the credit bureaus, original creditors, and collection agencies using the FCRA and FDCPA laws.

Our Process


Credit Evaluation

We offer a credit analysis and consultation with one of our Certified Credit Restoration Specialists. Our experts are on hand to walk you through and discuss your detailed and comprehensive credit analysis. We will answer your questions and help by suggesting your best options to take control of your credit and financial standing.


Challenge Inaccuracies

Once we have identified all of the information that is not verifiable, inaccurate or misleading, we will develop an action plan to delete, correct or change these items under current Federal laws..


Get Results

To get the best possible results, you have to go above and beyond, challenging the credit reporting agencies are only one aspect of restoring your credit. The FCRA and FDCPA laws also allow you to dispute directly with the creditors and the collection agencies to get inaccurate information removed from your credit reports. Because of this, we provide direct disputes with original creditors and collection agencies as part of our services at no additional cost.

We Help You To Get The Things That You Want


About Us

Contact Us

Terms and Conditions

Privacy Policy

Copyright @ PHD Credit 2020

All Rights Reserved

A Division of The Jack Lamar Group