There is a better credit score in your future.

You’re here for a reason. 

Let us help you.

Our Membership

Our 1-year membership allows our clients to learn and build habits for better credit scores.

Fair Pricing Model

Forget the endless monthly payments or huge upfront costs. Our pricing model is fair and results-driven.

Our Unique Approach

Not only do we fix the negative, but also guide you on how to build your credit history sustainably.

Here's what our members are saying

Reviews can be so time consuming, so I hardly ever write them. My experience must be exceptional or really for me to write a review. Great Credit Works have been EXCEPTIONAL! Since starting my membership with Great Credit Works in December, I’ve gotten 8 negative accounts removed and my credit score improved across the board by over +60 points! I’ve also learned a lot about credit-building tools and have been advised on important financial decisions. The team has always been very responsive and readily-available for my questions and concerns about credit. I would highly recommend Great Credit Works membership for those who never tried credit repair or have tried and didn’t get satisfactory results.” Thank you to the awesome Sergey and the team, I finally feel like I’m getting my life back, literally!!!!

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Tanya C.

Member since November 2019

The Great Credit Works agency is awesome!! Daniel and Sergey are so down to earth and I love that they spread knowledge in the community. I am soooo fortunate to have partnered with them through the BRIDGES at WPB. Our members had learned so much of what we thought we knew and what we didn't know. Great Credit Works is a great asset to the community.

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Ketreena W.

Member since December 2019

Great credit works helped me figure out every Issue I had and educated me on several subjects In less than half an hour. Hands down the best and most thoughtful company for fixing credit.

Joseph
Joseph A.

Received Credit Audit September 2020

Great Credit Works Is Awesome! They helped me improve my credit by leaps and bounds! They taught me so many different things: managing my credit, improving my credit, how to use credit cards to improve my credit, about loans and mortgages. They are so professional and treated me like a real person. The cost was so reasonable. It’s almost unbelievable how great the experience has been. Thanks guys!

Juliana
Juliana S.

Member Since July 2019

My experience of Great Credit Works is that Danny is friendly, the business is authentic and honest. Not to mention much much cheaper than any other credit repair! In less than half an hour, I gained so much knowledge about credit. How it works, and how to start on the path to getting a great credit score. I will recommend Great Credit Works to anyone looking to improve their credit. One of the best decisions I’ve ever made is choosing this business.

Juliana
Lucy V.

Member since January 2020

My journey thus far with this company has been educational. I was invited to a meeting that was an informational meeting about credit rather than a sales pitch. I learned so much about credit that I decided to hire their services. Once hired the ball got rolling quick. I love the various videos (introductory and personalized updates) that are shared via email. Furthermore, my phone calls are returned within 24 hours. I am still in the process of repairing my credit. I will post an update in a few months. The company is aware of my goals and has given me tools and healthy practices in playing the credit “game.” Honestly, I find repairing my credit now as a game that after all that I learned through this company. The process is more fun than it is stressful.

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Danielle P.

Member since October 2019

1. Your Audit

We don’t know each other yet. Because not all credit is the same, we start the process by getting to know you and your credit reports. Your free consultation and credit audit are necessary to determine what we can do to help.

2. Game Plan

This process is not a sprint; it’s a marathon. Even before you enroll as a member, a custom game plan is developed to get you on track for credit success with your coach. Easy access to quality advice will keep you on track.

3. Addressing the Negative

Regardless of how you got here, it’s now time to take action. We address your situation by investigating negative credit remarks, errors and inaccurate data that can be removed from your reports.

Wondering if your credit is "fixable"?

It is. We promise. Let’s talk.

Need Help but Don't Fully Understand the process?

Frequently Asked Questions

The Credit Repair and Building process has been a subject of many myths and misrepresentations. At GCW we are committed to providing you an honest and fully transparent view of this process.

The average minimum length of a proper credit repair process is 6 to 9 months. Anyone promising you short-term results are typically “scammers”. Our membership covers you for the full year if you need it. However, most of our clients achieve their goals within 6 to 9 months. In some cases, it takes less than that (around 4 months). Sometimes the process can take longer than a year (typically for people with extensive amounts of derogatory accounts and complete lack of active positive accounts).

The process of credit repair refers to disputes with the credit bureaus. Every consumer (adult) in the United States has the right to submit a dispute with 3 credit bureaus (TransUnion, Experian, and Equifax) and have them investigate your accounts reporting on your 3 credit reports. If the information reported on your reports is outdated, erroneous, incorrect, fraudulent, mistaken, etc. it is subject to being removed under the Fair Credit Reporting Act (FCRA). As negative accounts are removed from your reports, your credit scores will generally improve. The magnitude of improvement depends on the type of item(s) removed, its balance and age (the more recent, the bigger the impact). So, credit repair is the process of removing/deleting negative accounts from your credit reports through active (and multiple) disputes and improving your scores that way. 

Credit building is the process of establishing positive active credit reporting accounts (secure and “regular” credit cards, auto loans/leases, mortgages, personal loans, student loans, etc.) and consistent monthly payment history. Your phone bill, utility bill and insurance payments DO NOT count (though there are services like Experian Boost that can report them on your credit reports as well).

The MOST important factor in building SUSTAINABLE credit is BEING ON TIME with your payments. A recent 30-day late payment can throw your scores off by >50 points. The second most important factor is keeping your credit card UTILIZATION LOW (balance as the % of your limit needs to be under 30%). The lower the balance, the higher the scores will be. The third is to have a MINIMUM of 3 active open accounts (Example: 2 credit cards and an Auto loan OR 1 credit card, student loan and an Auto loan). But don’t stop with just 3; it’s better to have 5 or 6. The fourth most important factor for credit building is to build the LENGTH of your credit history. The longer the better. Hence, NEVER EVER EVER voluntarily close your active credit cards (both secure or non-secure) because they don’t expire and can build you years and even decades of positive credit history. 

Most companies either charge you a monthly recurring fee ($100+ per month) + a “set up” fee OR one large lump sum payment upfront (easily over $1,500). The monthly payments add up over time and you’ll pay them with or without results. The large upfront cost is a tough pill to swallow. We don’t like either of these approaches because they favor the business and not the client.

With that in mind, we invented a unique and fair Results-Based Pricing model. First of all, we DO NOT charge a set up fee. The consultation is FREE. A 12-months Unlimited+ membership is $389. And negative items removed (results) are $79 per-deletion-per bureau.

We invoice for deletions only after they happen. They deletions payments are due in 7 days from receipt, giving you enough time to prepare to make a payment. That way the cost is manageable and the process is affordable virtually to everyone. 

You’re also paying for actual results and only AFTER the results have been generated for you. We also have a MONEY BACK GUARANTEE. If we don’t get you any deletions over the course of your 12-months membership, we will refund you the entire membership fee. No questions asked. 

We have successfully removed or repaired for our clients the following derogatory (negative) accounts:

  • Collections
  • Charge-offs
  • Late payments
  • Student loans
  • Bankruptcies
  • Medical bills
  • Reposessions
  • Indentity fraud

While it is possible to achieve results and increase your scores within 45 days (we’ve done that), the fundamental/proper process of repairing and rebuilding your credit takes time (min 6 to 9 months). It took you months and often years to damage your credit, so if you’re looking for a quick fix – it will NOT be lasting or sustainable. And in general, if anyone ever promises you to fix your credit quickly or guarantees you results – RUN!!! You’ll likely be scammed as it unfortunately happens. We’ve heard enough of such “horror”stories from our clients. So, please, BE PATIENT and don’t expect guarantees. It’s illegal for any credit repair business to promise you results. 

As you may know, there are 3 credit scores. It has to do with the fact that there are 3 independent credit bureaus (TransUnion, Experian, Equifax) and they each give you a score. Each credit bureau is as important as the others. And therefore, each credit score is EQUALLY IMPORTANT. For example, if you’re looking to buy a house and apply for a mortgage, your loan officer will pull all 3 of your scores. They will drop the lowest and the highest and use your MIDDLE score for underwriting purposes (example: imagine that your 3 scores are 640, 595, 690 – the loan officer will use your 640 for underwriting). Whichever bureau’s score happens to be the middle one will be used. So, it’s important to make sure that all three of your scores are in good shape.

It’s absolutely normal for your credit scores to be slightly different and sometimes to be significantly different. It has to do with the way your “open” and “closed” accounts are being reported on your credit reports. Some of them report on all 3 credit bureaus (TransUnion, Experian, Equifax) some on 2 (any 2) and some only on 1. The same principle applies to negatively reporting accounts (collections, late payments, medical bills, etc.). Some of them report on all 3 bureaus, some on 2 (any 2) and some only on 1. So when you add up all of the accounts it’s very typical that you’ll have a few more accounts on let’s say TransUnion, and 2 less on Experian and maybe one less on Equifax. There is no exact order or science to this, so you’ll need to check your full credit reports to understand why YOUR scores are different and what to do about them. The best and most reasonably priced service that we recommend for that (credit monitoring) is Smart Credit (www.smartcredit.com). All of our clients use it and we base our FREE audits on Smart Credit reports. 

Build Sustainable credit for your future

Home Buying + Renting

Your credit score is essential when it comes to getting any mortgage or lease.

Car Buying

Your downpayment and monthly payments solely depend on your credit scores.

Credit & Loan Applications

Credit cards, personal loans, employment applications all depend on your credit scores.

Results-based Pricing

Unlimited+ Membership:

$389 One Time Fee (or 2 easy installments of $194.50)

+ $79 per each bureau deletion

Couples Unlimited+ Membership:

$699 One Time Fee (or 2 easy installments of $174.75 each)

+ $79 per each bureau deletion

Credit Builder Gameplan:

$125 One Time Fee (includes a full audit, 1hr call + a gameplan)

*For clients who are looking to build their credit history

Home Ownership Preparation Services

Preparing YOU for what it takes to buy a HOME

At Great Credit Works, we actively work alongside Real Estate Agents and Mortgage Lenders to get our clients as prepared as possible for the home buying process. This is due to the incredibly important role that credit has in how much home value you qualify for, the loan options available to you, and how much your monthly payments will be. All parts of the home buying process are heavily influenced by your credit score and current credit activity, so we help you get that under control.

Avoid becoming another statistic.

0 M+
adults in the U.S. are considered "credit invisible."
0 %
of Americans do not check their credit scores at all.
0 %
of adults believe that credit scores and credit reports mean the same thing.
You're here for a reason. We are here to help, not to judge.

Most people like you don’t know what to do to fix their credit. But we know that you have goals, and our commitment is to help you achieve them. We help you to:

1

Buy your own home

2

Drive a car you truly want and love

3

Pay lowest amount of interest possible

4

Have an abundance of financing options for when you need them ​

5

Fully understand how credit works and how to use it to your advantage

6

Maximize credit card benefits and use them as debit cards with zero interest

7

Maintain great credit by having great financial habits

Join Our Credit Learning Community

Our priority is to keep you up-to-date with the most necessary credit knowledge, saving you potentially thousands of dollars on your inevitable future purchases.

© 2018-20 Great Credit Works, all rights reserved

Call us (561) 601-5579 or Email your questions to greatcreditworks@gmail.com