Rated #1 Credit Repair Service

Professional Credit Repair Services

Our team of experts uses AI-powered analysis and proven dispute strategies to challenge inaccurate items on your credit report and help improve your score.

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50,000+
Clients Helped
4.9/5
Customer Rating
120+
Avg. Score Increase
30-45
Days to First Results

What We Do

Our comprehensive credit repair service addresses every aspect of your credit health.

Credit Report Analysis

Our AI analyzes your credit reports from all three bureaus to identify inaccurate, unverifiable, or unfair negative items.

Custom Dispute Letters

We create personalized dispute letters tailored to each item on your report, using proven language that gets results.

Creditor Interventions

We communicate directly with creditors on your behalf to resolve inaccuracies and negotiate removals.

Credit Monitoring

Real-time monitoring alerts you to changes in your credit report so you can track your progress.

Identity Protection

Our Premier Plus plan includes identity theft monitoring and protection to keep your credit safe.

Ongoing Support

Our credit specialists are available to answer your questions and guide you through the process.

Our Proven Process

We follow a systematic approach to credit repair that has helped thousands of clients improve their scores.

Step 01

Free Consultation

We start with a free analysis of your credit situation to understand your goals and challenges.

Step 02

Credit Report Review

We pull your credit reports from Experian, Equifax, and TransUnion and our AI identifies potential issues.

Step 03

Dispute Strategy

We create a customized dispute strategy targeting the items most impacting your score.

Step 04

Send Disputes

We send dispute letters to credit bureaus and creditors challenging inaccurate information.

Step 05

Track & Follow Up

We track responses and follow up on unresolved items. Most disputes are resolved within 30-45 days.

Step 06

Monitor Progress

Watch your score improve as items are removed. We continue working until you reach your goals.

What Can Be Disputed?

Under the Fair Credit Reporting Act (FCRA), you have the right to dispute any information on your credit report that is inaccurate, unverifiable, or unfair. We help dispute:

  • Late payments that were reported incorrectly
  • Collections that don't belong to you
  • Charge-offs with incorrect balances
  • Accounts opened without your authorization
  • Incorrect personal information
  • Duplicate accounts
  • Accounts included in bankruptcy incorrectly
  • Outdated negative items (7+ years)
  • Hard inquiries you didn't authorize
  • Identity theft related items

Important: We Follow the Law

Horizon Credit Repair operates in full compliance with the Credit Repair Organizations Act (CROA). We never:

  • ✗Make false claims about removing accurate negative items
  • ✗Advise you to dispute accurate information
  • ✗Charge upfront fees before performing services
  • ✗Guarantee specific score increases

We focus on disputing legitimately inaccurate, unverifiable, or unfair items—which, according to industry studies, appear on approximately 80% of credit reports.

Ready to Improve Your Credit?

Get your free credit analysis today. No credit card required, no obligation.

Start Free AnalysisCall (864) 237-5511