We Specialize In Helping People To
Eliminate Thousands Of Dollars
Worth Of Debt Off Your Credit Report

We Also Have The Most Aggressive & Quickest Credit Cleaning Strategy To Bring Your Credit Score Back Up!

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Fix your Credit. Protect your Future. Book your Free Consultation Today.

At Happily Credit Repair, we help individuals and families take control of their financial future through professional credit repair services. If your credit score is suffering due to inaccurate or outdated information, we can help you dispute and remove the items that are holding you back.

Whether you’re looking to qualify for a mortgage, car loan, credit card, or simply want better financial opportunities, improving your credit is the first step and we’re here to guide you every step of the way.

Our job is to audit your report, find these issues, and challenge them using your rights under the Fair Credit Reporting Act (FCRA). If a lender, debt collector, or credit bureau cannot verify the information within 30 days, that item must legally be removed.

We’ve helped clients across the country clean up their credit and get closer to their financial goals and we can do the same for you.

Is Credit Repair Legal

Yes. Credit repair is 100% legal and protected by federal law. Under the FCRA, you have the right to dispute any item on your credit report that’s inaccurate, outdated, or can’t be verified.

Most people don’t realize how common credit report errors are studies show that nearly 8 in 10 reports contain mistakes. That’s why our service exists. We don’t just send disputes and hope for the best, we prepare targeted, well-documented challenges that get results.

Book a Free Credit Analysis Now

Every credit report is different, which is why we offer a free consultation and credit analysis before recommending any service package. During this call, one of our credit experts will review your report, explain what’s hurting your score, and share how we can help.

We Use The Power of The Consumer Law to Remove Common Credit Report Errors Like:

  • Late Payments
  • Collections
  • ​Hard Inquiries
  • Charged-Offs
  • Bankruptcies
  • Student Loans
  • Judgements
  • Repossessions
  • Foreclosures
  • And Much More…
  • Late Payments
  • Collections
  • ​Hard Inquiries
  • Charged-Offs
  • Bankruptcies
  • Student Loans
  • Judgements
  • Repossessions
  • Foreclosures
  • And Much More…

Here Is How Our Credit Repair Process Works

Step 1: Credit Analysis

We go over your credit report with you to find negative items that are inaccurate, help you understand the process of credit repair, and prepare a plan of action with you to improve your credit.

Step 3: Track Progress

Sit back and let us handle the work. You can see your client portal 24/7 for live status updates on improvements on your credit report.

Step 2: Dispute

We work with the credit bureaus and your creditors to challenge the negative report items that affect your credit score using our legal team.

Step 4: Credit Restoration

We will do our best to maximize your results using our custom tactics on the bureaus so you can restore your credit and achieve your credit goals.

FAQ’s About Happily Credit Repair Service

Credit Repair is actually the process of removing inaccurate, unfounded, out of date, false, and erroneous information from your credit report. Your credit report dictates your credit score. The 3 major credit bureaus collect information from lenders, creditors, and debt collectors and apply it to your credit report. Based on that information, your credit score is determined. This information could include the balances on loans or credit cards, credit inquiries, debt to income ratio, and most importantly, credit utilization (the percentage of debt you have to available credit)

We can only fight to remove any items that fall under the guidelines of the FCRA. These are items that should be removed due to being inaccurate, unfounded, out of date, false and/or erroneous.

The price varies depending on what you have on your credit report. To get a proper estimate, please book a FREE Consultation + Credit Analysis Appointment with a credit expert by clicking the Button below:

Yes, credit repair is legal & we use the law in your favor. That law is called “The Fair Credit Reporting Act.” The FCRA gives you the right to dispute any item on your credit report. If that item cannot be verified within a reasonable time (usually 30 days) it must be removed. Studies have shown that 79% of all credit reports contain errors. This is nearly 8 out of 10 reports. Therefore most credit reports improve immediately. For items that disputed that are not errors, a creditor or furnisher is often unable to find the records or signed documents within the allotted time and the item gets removed. Sometimes the furnisher will say it has been verified by not offer proof. It is our job to prepare documents that challenge this and we are very skilled at that.