Who We Are
Immaculate Credit is a credit repair company that focuses on one goal, which is to help individuals and businesses reach their credit goals. Whether you are trying to purchase a car, home, or establish business lines of credit; we are here to assist you!
Our company have been in existence since January of 2016 and have helped hundreds of clients reach their credit goals.
What We Do
Our company is here to change lives by way of helping others build, restore and grow their credibility. If you need assistance with Personal, Business or Credit education we are ready to help you get started.
Services
Personal Credit Repair
If you have negative items affecting your credit history and scores, our personal credit repair program will help you get back on track.
Business Credit Building
We assist with growing your business and accessing capital with personal credit evaluation, credit recommendations, establishing credit accounts and more.
DIY Credit Repair Kit
For those who want to educate themselves while learning the steps to build and/or repair their own credit at their convenience.
Become a Referral Partner
Clients, potential clients, real estate agents, car salesmen and mortgage loan officers can become a referral partner and earn $50 for each referral.
Sign Up HereResources & FAQs
Take Action: Build, Monitor & Learn Ways to Improve Your Credit
Links to Monitor your credit for free:
CreditSesame.com | CreditKarma.com
Easily Build Credit with a Secured Credit Card:
Immaculate Credit LLC – Credit Builder Card
Monitor All 3 FICO® Credit Scores (Experian, TransUnion & Equifax)and Identity Theft Protection Plan (All Inclusive):
SAMPLE DISPUTE CREDIT LETTERS (Instant Downloads)
Sample Charge Off Dispute Letter
Sample Collection Dispute Letter
Sample Inquiry Dispute Letter
Frequently Asked Questions
A credit score is a number that reflects your risk level, as an individual, to a lender. The higher the number, the lower the risk will be to the lender.
What is inside of your credit report?
Personal information, trade lines, credit inquiries, public records, and collections accounts.
How is my credit score calculated?
- 35% Payment History
- 30% amount you owe to lenders
- 15% Length of your Credit History
- 10% the number of new credit accounts you opened (less than 3yrs)
- 10% is the mix of credit account that you have such as (mortgages, auto loans, credit cards, student loans, etc.)
How long does negative items stay on your credit report?
Negative credit accounts, or trade lines, can remain on your credit report for up to 7 years or longer depending on what’s being reported to the credit bureaus. Bankruptcies and other public records cab remain present on your report for up to 10+ years depending on what’s being reported to the credit bureaus. Inquiries on your credit report may remain for 2 years. These are the maximum times that are permitted by federal law for reporting agencies to show negative items; however, these times are not mandatory. At any time, a creditor or credit bureau may remove a derogatory remark from your credit report if the consumer requests an investigation into remarks that they feel are incorrect.
Absolutely. The Fair Credit Reporting Act allows anyone to dispute inaccurate items on their credit reports. There’s nothing we do that you cannot do yourself when it comes to fixing your credit situation.
A FICO® Score is a 3-digit number (300-850) based on your credit reports. It helps lenders make quick decisions about the amount, terms, and rate of a loan. (Experian, TransUnion & Equifax)
VantageScore is a consumer credit-scoring model, created through a joint venture of the three major credit bureaus. The model is managed and maintained by an independent company, VantageScore Solutions, LLC, that was formed in 2006 and is jointly owned by the three bureaus. Vantage scores were developed for consumers to evaluate their own credit worthiness for free. The scores are normally 20 to 25 points off from FICO® scores.
Experian, Equifax, and TransUnion
What is considered Poor, Good, Very Good & Excellent credit scores?
- 300-579 = Poor
- 580-669 = Fair
- 670-739 = Good
- 740-799 = Very Good
- 800-850 = Excellent
How long does it take to see results?
From the moment you start our credit plan your letters will take 5 to 7 days to be emailed to you. Once you receive them you will have to sign them and add your 2 verification documents with your letters and mail them to each individual credit bureau. Your new and updated credit report will take 45 days to come in the mail.
Click Here to sign up!
There are no refunds due to this being a month-to-month service with no contracts attached.
Certifications & Affiliations
Testimonials
Here’s what our clients are saying about us!
Satisfied Credit Repair Client
Thank you for helping me with my credit. There is nothing better than to have a fresh start again. I'm so grateful 🙏
Aeisha
Credit Client Results – New Car
So this happened today. Thanks to Immaculate Credit, I was able to sign and drive! This never happened before.
Felicia
Client Results – New Homeowners
With Dominique's awesome service, we were able to better our credit score and buy a new home!
Jasmine & Kevin
Credit Client Results
Nothing like a lady with good credit. Thanks to Dominique, I'm on my way!
May D.
Personal Credit Repair
Positive Results After 1 Month of Service
After one month of service, I received notification from Credit Karma and Credit Wise that two of my credit scores jumped up 100 points!
Judy
Priceless Knowledge & Advice!
Dominique's knowledge and advice were priceless. We discussed what my goal was and what stood in the way of it: good credit. She had a plan, asked me to follow it and I followed every step. I got a great interest rate due to following her plan. In August, I closed on a house. God sends you great people sometimes and this one was a blessing!! I HIGHLY recommend her services.
Grant L.
New Homeowner
Contact Us
We’d love to hear from you. If you have questions about our services or need assistance, please call or email us.