Credit reports
Compare Experian, Equifax and TransUnion data and flag inconsistencies.
Credit repair
Credit repair and credit profile review
We do not start with a promise to “raise your score.” We start with bureau data, your goal, utilization, payment history and recent inquiries.
Who it helps
When a profile review makes sense
- You recently received an SSN or are starting U.S. credit history.
- Your report contains unfamiliar, inaccurate or incomplete information.
- Utilization is high and new applications are not helping.
- You were declined and want to understand why before applying again.
Decision inputs
What we review
Score factors
Explain payment history, utilization, age, mix and inquiries.
Sequence
Define what to correct, what to build and when to reassess.
The sequence
How the work progresses
- 1
Collect the starting data
Goal, timing, credit reports and recent lender decisions.
- 2
Identify the main factors
Separate errors from accurate negative data and current risks.
- 3
Build the plan
Prioritize actions that fit your situation.
- 4
Review changes
Compare results and adjust the next step.
The lender decides approval, rate and limit. IMMICREDITS does not guarantee a specific outcome.
Service questions
What to know before you begin
Can every negative item be removed?
No. Accurate information cannot be removed simply because it lowers a score. Only genuinely inaccurate, incomplete or misattributed data should be disputed.
How quickly will my score change?
Timing depends on the cause and bureau reporting cycles. We do not promise a specific point increase or date.
Does the review require a hard inquiry?
No. Your reports and the information you provide are enough for the consultation.
Discuss your situation
Start with a short consultation
Describe the goal in our protected form. We will review the context before the conversation and will not submit applications without your consent.