Welcome to Credit Doctor
Let’s improve your
score!
- Credit Analysis
- Credit Repair
- Credit Education
MORE THAN A
Credit Repair Company
You can legally repair your credit utilizing consumer protections laws such as the Fair Credit Reporting Act, Fair Debt Collection Practices Act, and Much more. We not only work to repair your credit, we provide you the tools you need to educate you for a lifetime of success. Our proven credit repair process will do almost all the work for you while giving you support from start to finish.
Credit Audit
Get a professional analysis of your credit report to identify opportunities for improvement
Credit Repair
Remove inaccurate and unverifiable items from your credit report and only pay for results.
Credit Education
Get the tools and tips you need to maintain a lifetime of great credit with video and email training.
Easy Payment Options
Every persons situation is different. We offer multiple payment options to best fit your needs
No Upfront Fees
We will never charge for what we “will”, you only pay for work that has been completed for you.
Money Back Guarantee
Rest assured knowing that we back our work with our money back guarantee
OUR COMMITMENT
Our Mission
We are a growing credit restoration company specializing in restructuring and building your lost credit.
Who Are We?
We are a hard working credit restoration company helping consumer restore and rebuild their credit.
Weekly Education
We will provide you with information and the education you need to continue raising your credit score.
Our Promise
We are dedicated to helping you improve your credit score and get you approved once again.
WE SET HIGH EXPECTATIONS
We set high expectations for ourselves as a credit repair company. You can expect only the best service from our team of credit experts. In the economic industry, we are dedicated to helping our clients get back on financial track.
We are here to assist you on the journey. We work with credit bureaus and creditors to fix and rebuild tarnished credit. Let our services and experience speak for themselves
Common Questions
Credit repair comes in different forms. One form is the process of challenging negative inaccurate information in your credit file. Another form is identifying and addressing financial issues that contribute to your credit file and score.
Our clients have had great success with collections, charge-offs, bankruptcies, late payments, inquiries, outdated personal information, student loans, repossessions, foreclosures, and judgements.
In addition to access to the client portal, you will also receive a monthly coaching call from a member on our team to discuss any changes or updates to your credit file.
Why work With Us?
Credit Doctor, puts pride in offering affordable, transparent and upfront services. If repairing your own credit is too tedious and stressful for you, allow us to take that stress and weight off your shoulders. We are available to you every step of the way and will continue to fight for you so, you can live the life you deserve.
Our fees are reasonable and there are NO long binding contracts. We work with you until your file is done.
OUR WORK IN NUMBERS
Pricing
Bronze
- $75 First Work Fee Work with Credit Bureaus Email Messages Unlimited disputes
- 24/7 Online Access Low Monthly budget Satisfaction Guarantee Pay as you go
- Fast Completion Industry Fastest Package Total -$299 Estimated Completion Time 6-8 months **Monitor File-6 months**
Silver
- $99 First Work Fee Work with Credit Bureaus Email Messages Unlimited disputes
- 24/7 Online Access Low Monthly budget Satisfaction Guarantee Pay as you go
- Fast Completion Industry Fastest Package Total – $399 Estimated Completion Time 4-6 months **Monitor File-6 months**
Gold
- $125First Work Fee Work with Credit Bureaus Email Messages Unlimited disputes
- 24/7 Online Access Low Monthly budget Satisfaction Guarantee Pay as you go
- Fast Completion Industry Fastest Package Total – $499 Estimated Completion Time 4-6 months **Monitor File-6 months**
Silver
- Equifax Credit Repair only-$150 Transunion Credit Repair only-$150 Experian Credit Repair only-$150 Collections-$20 per collection/per Credit Bureau
- Late payments-$30 per item/per Credit Bureau Tax liens-$50 per item/per Credit Bureau Bankruptcy-$50 per item/per Credit Bureau Judgements-$75 per item/per Credit Bureau
- Foreclosures-$75 per item/per Credit Bureau Repossessions-$75 per item/per Credit Bureau
Frequently Asked Questions
Credit repair comes in different forms. One form is the process of challenging negative inaccurate information in your credit file. Another form is identifying and addressing financial issues that contribute to your credit file and score.
Yes, credit training is legal, and our credit education and document processing services will help you to use the law in your favor. That law is called “The Fair Credit Reporting Act.” The FCRA gives you the right to dispute any item on your credit report. If that item cannot be verified within a reasonable time (usually 30 days) it must be removed. Studies have shown that 79% of all credit reports contain errors. This is nearly 8 out of 10 reports. Therefore, most credit reports improve immediately. For items disputed that are not errors, a creditor or furnisher is often unable to find the records or signed documents within the allotted time and the item gets removed. Sometimes the furnisher will say it has been verified but not offer proof. It is our job to prepare documents that challenge this, and we are very skilled at that.
Our clients have had great success with collections, charge-offs, bankruptcies, late payments, inquiries, outdated personal information, student loans, repossessions, foreclosures, and judgements.
We have different packages that are tailored to the needs of all clients. For a breakdown of costs, please see our pricing section.
If you have been a Royal Blue Financial Services client for at least 120 days and we are unable to repair/remove ANYTHING from your credit report, you will receive a full refund, (minus the credit audit fee). (You must give us at least 120 days to work to be eligible for a refund). In exchange you must not have used a credit repair company nor attempted to repair your own credit at least 1 year prior to signing up with our services. You also are agreeing to FORWARD ALL CORRESPONDENCE to Royal Blue Financial Services within 3 days of receiving them. Otherwise, you will NOT be eligible for the money back guarantee.
There is no way to place a specific timeframe on your repair, especially since laws and regulations grant bureaus and creditors specific amounts of time to investigate and respond to clients. A client can spend anywhere between 6 and 9 months on average before successfully completing our program. This time can increase or decrease depending upon your unique credit file and goals.
In addition to access to the client portal, you will also receive a monthly coaching call from a member on our team to discuss any changes or updates to your credit file.
No! We ask that you not apply for any type of credit while we are working to repair your credit. It can be exciting to see your score increase, however credit inquiries can negatively impact your credit score.
It is possible for this to happen. However, the FCRA requires the bureaus inform you before this happens.
How It Works
How It Works
Consultation
Sign up for a free consultation. During your consultation we will explore your current financial goals and identify your credit repair needs. We will explain the services we offer and come up with a plan that leads towards your goals. We will also answer any questions you may have.
Sign Up
After your free consultation, you will sign up for our services. This process will give you online access to the client portal. We will walk you through how to use our online tools.
Once you’ve been onboarded and have access to the portal, we will review your credit reports to identify inaccurate information that may need to be disputed and removed. Our goal is to go through your credit report line by line and make sure every error is addressed.
The Dispute Process
During this step, we contact the credit bureaus and start the dispute process on your behalf. Using our experience, we fight to have the inaccurate information removed from your report.
You will be apart of this process by using the client portal. You will have 24/7 access to communicate with us and us to communicate any changes that are made. In addition, you will receive correspondence directly from the credit bureaus as they make changes to your report. We ask that you upload these letters to the portal within 3 days of receipt.
Credit Score Improves
The last step is the most exciting: Sit back and watch your credit score improve! Our online tracking tools give you the ability to see inaccurate information fall off your reports.
Even after the disputes are settled, our online tools will allow you to monitor your credit report to ensure any information added is correct. These tools will help you make wise decisions that will have a positive influence on your credit in the future.
Contact
Get in Touch
Our team is ready to assist you with your credit and financial needs. We walk our clients through the entire process either in our office or over the phone. Give us a call today, or simply fill out the form for further details. Our site includes helpful tips and information to further aide in providing quality services to you.
Send Us A Message
Contact Info
Phone
904-458-9057
[email protected] financial.com
Office Hours
9:00 AM to 5:00 PM
Location
9424 Baymeadows Road
Suite 250
Jacksonville, FL 32256
TESTIMONIALS
T. Anderson
The Credit Doctor of GA has made a huge difference in my purchasing power. They have removed 100% negative items off my credit report. It is worth the time and the money to use this service. All you have to do is trust the process. It took 5 months for my credit score to increase over 150 points. I can’t say enough positive things about this company. My husband and I have been approved to buy our second home. Thanks Credit Doctor of Georgia.
T. Anderson
K.Clark
Credit Doctor changed my life. I have been working with them since Feb. 8, 2016. My score has increase by 50 points PLUS my 3 bankruptcies has been removed from one credit bureau already! There are still a few things that Credit Doctor is working on, but I am soooo confident that those items will be removed. I recommend anyone who has challenging credit reach out to this amazing company.
K.Clark
L.Bess
I’m one satisfied customer the Credit Doctor did there job on my credit and I have seen a huge change. Glad I did business with them and I would refer them to anyone wanting help. I am now able to purchase my home. Thank you!