100% Money-Back Guarantee ★★★★★ Rated 4.8 of 5 from 9,300+ clients served 13+ years of experience
Proven Results · Real People

Real reports. BIG results.

Let's just say, we're pretty good at what we do. Here's a real client dashboard — actual scores, actual movement across all three bureaus.

Real Client Dashboards

Actual scores. Actual movement.

Swipe through real client reports — measurable gains across all three bureaus.

Individual results may vary.

9,300+
Clients Served
4.8
Average Star Rating
93%
See +10 pts in 35 days
53.7%
Faster Than Others
Real Cases

Our clients' credit transformations.

Every case is different, but the pattern is the same: identify errors, dispute them legally, and watch the score climb.

Mortgage ReadyOrlando, FL
487Before
693After

Removed: 3 collections, 2 late payments, 1 charge-off. Client qualified for an FHA mortgage at 3.8% — saving $47,000 in interest over 30 years.

⏱ 5 Months
Auto Loan ApprovedSan Antonio, TX
512Before
703After

Removed: Medical collection ($4,200), disputed inaccurate late payment history on 2 accounts. Auto loan rate dropped from 18.9% to 6.4%.

⏱ 4 Months
Fresh StartBuffalo, NY
423Before
714After

Removed: Identity-theft accounts (2 fraudulent cards), 4 collections, bankruptcy notation error. Now approved for an apartment lease and secured credit card.

⏱ 6 Months

Individual results may vary.

A Few Kind Words

What clients say after the jump.

★★★★★

"In less than 1 month my credit scores went up over 150 points! I didn't think it was possible, but the process was very easy and Jay explained everything clearly. All the work is done for you."

CalebCaleb
✔ Verified Customer
★★★★★

"I had three collections and a repo dragging me down. Speedy knocked two of them out in the very first round and walked me through every update in the portal. Six weeks later I qualified for the car I wanted."

MMarcus
✔ Verified Customer
★★★★★

"I'd been told my bankruptcy would haunt me for ten years. The team disputed the reporting errors around it and my score jumped almost 90 points. I finally feel like I have options again."

DDanielle
✔ Verified Customer
★★★★★

"They explained everything in plain English and never once made me feel embarrassed about my situation. The 24/7 dashboard kept me from stressing — I could watch the progress happen myself."

PPriya
✔ Verified Customer
★★★★★

"They removed two medical collections I didn't even recognize. My score crossed 700 for the first time in my adult life. I couldn't be happier with how it turned out."

JJasmine
✔ Verified Customer
★★★★★

"Two charge-offs deleted and an old hard inquiry gone. The portal made it painless to track every move the team made on my report."

JJames
✔ Verified Customer
★★★★★

"Fast, professional, and actually responsive. Every time I had a question I got a real answer from a real person. My score went from the low 500s to nearly 700 in just a few months."

TTanya
✔ Verified Customer
★★★★★

"HIGHLY RECOMMEND!!! Noticed a change within a few weeks. Beyond outstanding with the service and the professionalism. I'm telling everyone I know."

TheresaTheresa
✔ Verified Customer
★★★★★

"Very easy process to get started. I'm honestly surprised how quick they were given the amount of late payments and other negative items I had showing. Thanks guys!!"

GloriaGloria
✔ Verified Customer
★★★★★

"What sold me was the speed. I saw my first deletions in under a month, and the money-back guarantee meant I had nothing to lose. Worth every single penny."

AAndre
✔ Verified Customer
★★★★★

"After a divorce wrecked my credit, I had no idea where to start. Speedy handled the late payments and a charge-off, and I'm now approved for a mortgage at a rate I never thought I'd see."

RRobert
✔ Verified Customer
★★★★★

"I was skeptical after a bad experience elsewhere. Speedy actually delivered — late payments gone and my score up 70 points. This team is the real deal."

CCarla
✔ Verified Customer
★★★★★

"They caught a mixed file with someone else's debt on my report and got it corrected fast. Absolute lifesavers — I never would have spotted it myself."

DDevin
✔ Verified Customer
★★★★★

"Super easy onboarding and the text updates kept me in the loop the whole time. I watched negative items fall off my report week by week."

SSofia
✔ Verified Customer
★★★★★

"I went from denied to approved for a credit card in two months. The team kept it simple and kept me motivated the entire way through."

NNia
✔ Verified Customer
★★★★★

"An old repossession I'd completely given up on came off my report. I almost couldn't believe the email when I saw the update."

BBrandon
✔ Verified Customer
★★★★★

"They handled everything with the bureaus so I didn't have to. The utilization advice alone bumped me almost 30 points in one cycle."

EElena
✔ Verified Customer
★★★★★

"Honest from day one. They told me exactly what they could and couldn't do, then over-delivered on all of it. Rare these days."

MMarco
✔ Verified Customer
★★★★★

"Three late payments removed and a collection settled. I finally got the apartment I'd been turned down for twice before."

WWhitney
✔ Verified Customer
★★★★★

"Communication was incredible. I never had to wonder what was happening — every step was right there in the portal in real time."

HHassan
✔ Verified Customer
★★★★★

"My student loan reporting errors were fixed and my score jumped into the 700s. Worth every penny and then some."

LLauren
✔ Verified Customer
★★★★★

"Came in with a 480 after some rough years. Months later I was qualifying for a home loan. Thank you, Speedy — truly life-changing."

TTerrence
✔ Verified Customer
★★★★★

"The free consultation actually told me the truth. No pressure, just a real plan I could follow. I signed up the same day."

BBianca
✔ Verified Customer
★★★★★

"Two collections and a charge-off gone. They even helped me set up a secured card so I could keep building from there."

OOmar
✔ Verified Customer
★★★★★

"I was nervous about scams, but the money-back guarantee made it easy to trust them. So glad I took the leap — best decision."

DDestiny
✔ Verified Customer
★★★★★

"Quick, clear, and they actually answer the phone. My wife and I both did the couple's plan and saw fast results together."

GGreg
✔ Verified Customer
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