Credit Formula helps people just like you repair and improve their credit.

About Credit Formula

Credit Formula improves clients lives with credit repair and financial services. We educate the public on their credit rights. Credit Formula offers a program designed for hardworking individuals that might have had a few bumps in the road along the way of this thing we call life!

Our goal is to help our clients obtain the best credit legally possible. Our program improves your credit score by helping you remove negative items from your credit report. Once negative items are removed, your improved credit formula can help qualify you for reduced interest rates, obtain a new vehicle, make the purchases you need, or even improve your chances in a job interview or with a rental application.

Credit Repair

We work to remove or correct inaccurate and unverifiable accounts that hold back your scores.

Debt Settlement

Settle your outstanding derogatory debt and pay a fraction of the cost with Debt Settlement services.

Establish Credit

Establishing new, positive credit gives your credit the chance to grow. Credit Score Specialist has tools to help.

Check Your Credit

Keep track of your credit history and scores, and get over $1,000,000 of identity theft coverage, with Identity IQ.

Credit Education

Understanding credit is the first step to maintianing a great credit score. We help educate you in all things credit.

Our Clients Say It Best

We love our clients and appreciate when they share their stories. Check out what some of clients have to say!

Credit Repair and Financial Services

Helping consumers exercise their right to demand fairness and accuracy in their credit reports is our business. Credit Formula provides everyday people with simple, effective, and affordable credit repair services designed to help improve their overall credit picture. We work with you to challenge inaccurate, outdated, and unverifiable information in your credit report by filing disputes on your behalf directly with the credit bureaus. With our proprietary methods and proactive interventions, we utilize a whole range of approaches tailored to your specific needs.

Over the years, we have encountered almost every credit issue there is: late payments, charge-offs, settlements, collections, foreclosures, repossessions, liens, judgments, bankruptcies, etc. All such negative information must meet the same criteria under the Fair Credit Reporting Act. We have developed a variety of systems and methods for getting questionable, inaccurate, and outdated information on our clients’ credit reports corrected or removed. To-date, we have helped hundreds of clients throughout the country, providing our expertise with compassion at times of need, and enabling everyday people to move forward with their lives by helping them clean up the past.

Start Improving Your Credit Score Today!

We Dispute Inaccurate and Unverifiable Items with All Three Major Credit Bureaus:

“The Credit Formula” and his staff have done wonders for my family, we were struggling and he was able to help us not only get our credit in line but also help us buy our first home. Thank you so much!

Eric H.

Credit Formula has produced great results for all of my clients, in fact my clients call me and thank me for referring them to Credit Formula. Both he and his staff are very well versed in the business and I am very happy that I have Credit Formula to refer my clients to.


Credit Formula was able to take my credit from a 438 to 740 in 4 months and now I have a new house and several credit cards… Thank you Credit Formula team!


Frequently Asked Questions

What is My Credit Score?

A credit score is a number that lenders use to help them decide how likely it is that they will be repaid on time if they give a person a loan or a credit card. Your personal credit score is built on your credit history. Your FICO® 8 score ranges from 300 to 850. A decent credit score is essential for your financial well-being because the higher it is, the less of a credit risk you are. Keep Reading…

What Affects My Credit Score?

A credit score is a three-digit number used by financial institutions to evaluate your creditworthiness, or the likelihood that you’ll pay back your debts. When a consumer applies for a credit card, mortgage, student loan, auto loan or other line of credit, a lender usually pulls a credit score to help the lender decide whether or not to extend credit. Keep Reading…

What's In My Credit Report?

Although each credit reporting agency formats and reports this information differently, all credit reports contain basically the same categories of information. Your social security number, date of birth and employment information are used to identify you. These factors are not used in credit scoring. Updates to this information come from information you supply to lenders. Keep Reading…

How Often Is My Credit Report Updated?

In general, creditors forward information to the credit reporting agencies monthly. The day of the month that each individual creditor sends updates varies. In other words, credit agencies might receive an update from creditor A on the first of every month and from creditor B on the 11th of every month, etc. This is why it’s important to make sure your credit report is up to date and accurate. Keep Reading…

How Can I Improve My Credit Score?

A credit score reflects credit payment patterns over time, with more emphasis on recent information. Here are the steps needed to improve your credit score:

    • Contact the Credit Score Specialist to make sure your credit report is accurate and up to date.
    • Keep Reading


Consumers Have Errors on their credit reports


Errors Bad Enough to Be Denied Financing


Consumers Have Open Collection Account


Consumers with the right to accurate credit

Can Our Services Help You?

We help consumers get their credit back on track! If your credit scores are preventing you from getting financing we are your solution. We have helped thousands of consumers remove inaccurate and unverifiable information on their credit report and can do the same for you.

Contact us today to see how we can help you get back on track with your credit and start building a new financial future!

  • Collections 85%
  • Charge Off’s 62%
  • Public Records 72%
  • Inquiries 58%
  • Late Payments 48%

Start Improving Your Credit Score Today!

We Dispute Inaccurate and Unverifiable Items with All Three Major Credit Bureaus:

Contact Us


Tel: 570-497-4099/570-401-2911


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