Your credit isn't just a score — it's your access to homeownership, funding, and financial freedom. No hidden fees. No long-term contracts. Cancel anytime.
Select a program below to view full details, pricing, and enrollment options.
A complete system to repair, rebuild, and position your credit for stronger approvals and better financial opportunities.
Mortgage-focused credit repair designed to get you to the closing table — strategically and fast.
We don't just improve your credit — we align your profile with actual lender requirements.
Enhance your results with specialized services tailored to your credit profile. Can be added to any plan.
Items such as Bankruptcy, Child Support, Repossession, and Foreclosure require significantly more time, documentation, and specialized handling than standard accounts.
These cases often involve deeper investigation, increased communication with creditors and reporting agencies, certified mailing, and in some situations, negotiation on your behalf.
Because of the added complexity and hands-on work required by our team, these items are processed under a separate, one-time service fee to ensure they are handled thoroughly and correctly.
Identify and challenge inaccurate, unauthorized, or unverified credit inquiries that may be limiting your approvals and lowering your score.
👉 Start Your Inquiry Optimization Assessment™Every hard inquiry on your credit report can impact how lenders view your profile.
👉 Optimizing your inquiry profile can strengthen your overall credit positioning.
We go beyond basic disputes.
👉 Our goal is accuracy, compliance, and optimization — not shortcuts.
👉 Most clients choose a package to maximize results and savings.
👉 We keep you updated throughout the process.
Results vary based on individual credit history, reporting complexity, responsiveness of furnishers, and client participation.
Many clients combine this with a full credit strategy to improve approvals even faster.
👉 Ask about our Credit Optimization Strategy Plan →
Smart clients take advantage of every opportunity to maximize results and reduce costs.
Enroll with your spouse or partner at the same time and you'll each receive a $100 discount on your service. This offer is designed for couples ready to improve their credit together and maximize results faster.
Both enrollments must be completed simultaneously to qualify.
We value your trust and referrals. When you refer someone who enrolls in our program, you'll receive a $50 account credit applied to your monthly service.
The more people you help, the more you save.
✨ Stack Your Savings — Take advantage of both offers and maximize your total savings while accelerating your results.
Targeted add-on programs designed to address specific credit situations. These can be added to any existing program or used as standalone services.
Challenge unauthorized or inaccurate hard inquiries that are lowering your score and limiting your approvals. Pay-per-inquiry or package pricing.
3 or fewer negative items? Pay only for successfully removed items. Setup fee $197 · per-deletion pricing with full escrow protection.
Clean up ChexSystems, EWS, Innovis, NCTUE, and LexisNexis — the hidden files blocking bank accounts, utilities, and background checks.
Dispute and clean up negative records across banking and specialty consumer reporting agencies — removing barriers to new accounts, credit products, and financial services.
We work on behalf of clients who have authorized representation — handling disputes, creditor communication, and bureau correspondence through proper legal authorization.
Challenge inaccurate, unverifiable, or incorrectly reported late payments on student loans — a common issue that can significantly impact mortgage and funding approvals.
Address inaccurate or improperly reported child support obligations on your credit file — helping ensure your report reflects accurate, verified information only.
Challenge inaccurate, unverified, or improperly reported medical collection accounts. Medical debt reporting has unique rules that can work in your favor when handled correctly.
Comprehensive dispute and recovery process for accounts, inquiries, and negative items resulting from identity theft — working across all bureaus and creditors to restore your file.
Not sure which add-on applies to your situation? Our team will help you identify the right combination during your free consultation.
Get a Free Consultation →Secure enrollment · No long-term contracts · Cancel anytime
Questions? Email support@eandrcreditservices.com
Secure enrollment · No hidden fees · Cancel anytime