877-782-7839 
We want to help!
What can we delete?
- Bankruptcies
- Late Payments
- Repossessions
- Collections
- Foreclosures
- Charge Offs
- Judgments More
* The Credit Bureaus must remove inaccurate/negative and unverifiable information from your credit reports based upon the 
Fair Credit Reporting Act.
Common Questions
- Can I repair my credit report myself?
- Can I remove my bankruptcy?
- How much will it cost me?
- Is credit repair legal?
- What is your refund policy? More
Credit Education
Understanding your credit is the first step to improving your credit score. Learn how we can improve your credit score.
We Offer:
- No Hidden Fees
- Friendly Credit Specialists
- Unlimited Deletions More
How much does bad credit cost?
As you consider working with Credit One you would do well to look at the price you are already paying for bad credit. If the cost of the service can produce much greater savings, you would be wise to make the investment. Below are just a few examples of the cost of bad credit.
Credit Cards
Most if not all prime credit cards are entirely out of reach to consumers with bad credit. And the few credit cards that are available to them (known as "sub-prime" cards) typically require extremely high setup fees or recurring monthly fees, offer very low credit lines, often require cash deposits, and in most cases do not even report your positive credit activity to the credit bureaus.
Automobile Financing
If you are making payments on a car, you are probably paying between $5,000 and $9,000 more just for having bad credit. This added interest shows up every month in a higher payment. Take a look.$20,000 car paid over 5 years: |
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| Credit Status | Rate | Payment | Cost of Bad Credit |
| Perfect | 10% | $424.94 | $0.00 |
| Mildly Damaged | 14% | $465.37 | $4,722.54 |
| Damaged | 20% | $529.88 | $8,593.30 |
Home Mortgage
Bad credit in auto financing can really hurt, but it is nothing compared to the cost of bad credit when a home is involved. A typical home can cost between $50,000 and $130,000 more in interest if you are buying the home with bad credit.$100,000 home paid over 30 years: |
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| Credit Status | Rate | Payment | Cost of Bad Credit |
| Perfect | 7% | $655.30 | $0.00 |
| Mildly Damaged | 9% | $804.62 | $50,155.24 |
| Damaged | 12% | $1,028.61 | $130,791.63 |
Your credit score is a key factor in determining the interest rates for loans. With Credit One, we can begin the process to improve your credit and potentially save you thousands of dollars of interest.
How do we make credit repair easy?
Ever since the Fair Credit Reporting Act made credit repair possible, the credit bureaus have been working to make it complicated and difficult. Our twenty-five plus years of experience fighting the bureaus have helped us develop a vast arsenal of tools and strategies to make credit repair easy and effective-the way it should be.
