Structured Credit Disputes Services Based on Federal Reporting Standards
Since 2013, 365 Credit Clinic has been committed to supporting clients in challenging and resolving inaccurate or adverse credit accounts. Our services are conducted in full compliance with the regulations set forth by the Federal Trade Commission (FTC) and the provisions of the Credit Repair Organizations Act (CROA), codified under 15 U.S.C. §§ 1679–1679j.
Bonded – Insured – Established 2013 – Degree BSBA, MBA.
Our Company
Credit repair at 365 Credit Clinic is a compliance-driven process that blends proven techniques with modern strategies to deliver transparent, effective, and long-term results.
Credit Repair
We provide comprehensive dispute assistance and representation for inaccurate, erroneous, or non-compliant credit reporting.
Debt Settlement
If you are involved in a litigation matter where you are being sued, 365 Credit Clinic has handled hundreds of debt settlement cases, often resolving matters without clients having to appear in court.
*365 Credit Clinic is not a law firm and does not provide legal advice
1
Intial Case Review
The initial phone consultation is conducted directly by the owner, who reviews your entire case and addresses all questions and concerns.
2
Documentation & Strategy Development
Our office identifies each challenged account on your credit report that may be in violation of the FCRA and/or FDCPA.
3
Dispute Submission & Follow-Up
Our office will communicate directly with creditors, collection agencies, and credit bureaus under a power of attorney, with ongoing follow-ups requesting removal.
4
Ongoing Monitoring & Case Updates
You will receive ongoing monthly case status updates and have full access to our staff during business hours for any questions or concerns.
Established & Trusted
- Serving clients nationwide since 2013
- Trusted by over 25,000+ satisfied clients.
- Over 300,000 negative items successfully removed.
- All cases are handled in-house—never outsourced.
Individual Plan
(Credit Repair)
$124/month
- Dispute All inaccurate Items
- Credit Optimization Strategies
- Dispute All inaccurate Items
Couples Plan
(Couples Repair)
$199/month
- Dispute All inaccurate Items
- Credit Optimization Strategies
- Priority Phone Support
Monthly Service. Cancel anytime with written notice agreement.
Frequently Asked Questions
How long does credit repair take?
There is no quick solution for credit repair; the time required depends on your individual circumstances and the factors that affect your credit score. Improving your credit may take several months to a year; the results can vary.
What can be removed from my credit report?
Anything inaccurate, unfair or unverified can be challenged with the bureaus and your creditors. This includes collections, late payments, charge-offs, liens, bankruptcies, repossessions and more.
How does Credit Repair Work?
Credit repair is the process of identifying and addressing negative items on a credit report that may be inaccurate, incomplete, or unverifiable. At 365 Credit Clinic, clients authorize us through a Power of Attorney, allowing our office to submit documentation and communicate directly with the credit bureaus and creditors on their behalf. If an item cannot be properly verified under federal reporting standards, it must be corrected or removed.
Will disputing harm my credit?
No, Disputing will not harm your credit. The goal is to remove the inaccurate negative impacting account(s) from your credit. Instead this will help your credit.
Ready to Start?
Submit your information for a free review to get an assessment of your credit reporting