Credit Restoration services
Your 60-Day Path Toward 700+ Starts Here.
Your next capital opportunity deserves a stronger financial foundation. The PrimeNova Financial Advisor Team reviews your complete credit and financial picture, identifies what is holding you back, and builds your personalized Credit Restoration strategy. A focused 60-day program with a 700+ goal is available to qualified clients after that review.
- Complete review
- Personalized strategy
- Path to stronger capital
700+
Target credit score
10,000+
Clients helped
11+ years
Financing experience
4.9★
Client rating
Sound familiar?
Your credit score is costing you money.
Turned down, or charged more
Credit concerns can limit financing options or affect the terms available to you.
Mistakes you didn’t make
Wrong balances, duplicate accounts or identity theft drag you down.
No idea where to start
Three bureaus, dozens of accounts and too many empty promises.
A capital goal you want to prepare for
Start with a review of your priorities. Our team can help you understand the next steps before you choose a service.
Your whole financial picture. One PrimeNova team.
Your credit strategy should support the capital you need. We review your business, cash flow, property, obligations, and credit together, then explain the priorities and the next step. Continued Credit Health support can be discussed after the initial program.
Credit myths
6 credit myths that keep scores low
Most people believe at least one. Each can cost you points.
“Checking my credit lowers my score.”
False. Checking your own report or score never hurts it.
“Paying a collection removes it.”
Not on its own. It can stay up to 7 years, but should show as paid.
“Closing old cards helps.”
It can hurt. You lose available credit, so your usage looks higher.
“I need to carry a balance.”
No. Paying in full every month builds credit and saves interest.
“My income affects my score.”
It doesn’t. Lenders look at income, but your score doesn’t.
“Anyone can erase bad credit.”
No one can legally remove accurate items. Errors are another story.
Why PrimeNova
Credit Restoration with a finish line.
Most companies stop at dispute letters. We’re a financing company, so we fix your credit with the loan you want next in mind, from a Business HELOC to a better rate on what you owe.
| Topic | Most Credit Restoration companies | PrimeNova |
|---|---|---|
| The goal | Remove negative items | Reach 700+ and put it to work |
| Timeline | Month after month | A clear 60-day program |
| After the disputes | You’re on your own | A path to the loan you want |
| Who’s on your side | A dispute processor | A financing team that knows lenders |
Build a stronger foundation for your next capital move.
Build My 700+ PlanWhy your credit score matters
Every month below 700 has a cost.
Below 700
- More denials, or approvals with extra conditions
- Higher interest on every loan and credit card
- Harder to qualify for a HELOC on your home equity
- Errors stay on your report and keep pulling your score down
At 700+
- More lenders willing to say yes
- Access to lower rates, which can save thousands over a loan
- The door opens to a Business HELOC and property-backed financing
- A credit report that reflects your real history
Every 1% of interest on a $100,000 loan is about $1,000 a year. Lenders set their own requirements; a 700+ score improves your options but is not an approval.
The details
Everything else you may want to know
The 60-day program
How the 60-day Credit Restoration program works
The 60-day program
How the 60-day Credit Restoration program works
Three phases. You always know what’s next.
Days 1–7: Review
We pull all three credit reports and flag every error.
Days 8–30: Dispute
Dispute letters to bureaus and creditors, goodwill requests for late payments, and a plan to get balances under 30%.
Days 31–60: Build
We chase every dispute and lock in the habits that keep your score rising.
Start today
Want to improve your score?
Start today
Want to improve your score?
- Get your reports at AnnualCreditReport.com
- Set autopay for at least the minimum on every account
- Pay down the card closest to its limit first
- Keep old cards open, even if you don’t use them
- Hold off on new credit applications for now
Want us to handle the disputes and the plan? Take the assessment next.
Prefer to talk?Call 305-527-4328
Your goal · Your financial picture · Your plan
Take the 700+ credit score assessment
Your goal · Your financial picture · Your plan
Take the 700+ credit score assessment
Start with your goal and a few questions. Your answers shape the details we request for a personal review.
See where you stand
Your score and what’s pulling it down.
Find what can be fixed
Errors, collections and late payments worth disputing.
Get your 700+ plan
Your next steps, and whether the 60-day program fits.
Questions people ask
Credit Restoration questions
How does Credit Restoration work?
We review your credit reports from all three bureaus, dispute items that are inaccurate, outdated or can’t be verified, follow up until each dispute is resolved, and help you lower your card balances. Under the Fair Credit Reporting Act, bureaus generally must investigate a dispute within 30 days.
How long does Credit Restoration take?
Our program runs 60 days. Many changes show up within the first one or two dispute rounds, but how much your score moves depends on what is in your report.
Is Credit Restoration legal?
Yes. The federal Credit Repair Organizations Act lets companies help you dispute errors, and it protects you: no fee before the work is done, a written contract, and the right to cancel within 3 business days.
Can I repair my credit myself?
Yes. You can get credit reports at AnnualCreditReport.com and dispute errors directly with each bureau directly. A Credit Restoration program saves you the time, follows up on every dispute, and adds a plan built around the score you need.
Does Credit Restoration hurt your credit?
No. Disputing items on your report does not lower your score. Correcting errors may change your score; results depend on your complete credit file.
How much does Credit Restoration cost?
Many Credit Restoration companies charge a setup fee plus a monthly fee. Our program fee is set out in your written contract before you start, and by law it can’t be charged before the work is done.
Can Credit Restoration remove late payments?
A late payment reported by mistake can be disputed and removed. An accurate one usually stays for 7 years, but a goodwill letter can ask the creditor to remove it, especially if your history is otherwise on time.
How do I spot a Credit Restoration scam?
Walk away if a company asks for payment upfront, tells you not to contact the credit bureaus, promises to remove accurate information, or offers a “new credit identity”. A legitimate company explains your rights and puts everything in writing.
What happens if I don’t reach 700?
700+ is a goal, not a promised result. Your starting point, accurate credit history, and bureau responses affect progress. We review the program and next steps with you before enrollment.
Will a 700+ score help me get a Business HELOC?
It helps. A stronger score can open more HELOC options and better rates. Lenders also look at your home equity, income and debts.
YOUR CREDIT · YOUR NEXT MOVE
Build a stronger foundation for your next capital move.
Start with a credit assessment. Path to stronger capital.
PrimeNova Financial is the customer-facing brand of PrimeNova Solutions, a licensed business finance consulting firm. Financing may be provided by PrimeNova or through our lending and capital partners, depending on the program. This is not a commitment to lend. All rates, terms, and approvals depend on underwriting, eligibility, and program guidelines. Checking your options on this site does not impact your credit score. Information on this site is for general education and does not constitute financial, legal, or tax advice.