At Hillcrest Financial, we prepare an in depth credit analysis to calculate and indicate areas of improvement for your credit score. With our specialized programming, we fine-tune individualized plans to improve current credit score in as little as 30 days! Once you enroll in one of our credit restoration programs, we can start the process to financial independence and protecting your newly acquired credit with our many program options.

Confused by what your credit report says?  There are so many different codes and internal symbols on a credit report that it is nearly impossible to understand what your report is actually saying about you and your financial history as a consumer.

Hillcrest Financial takes the guess work out of the equation and handles this for you. If you have a copy of your report and would like a full explanation of what it says and how you can deal effectively with any derogatory entries that might be there, just give us a call or fill our Contact Us form and we will contact you within 24 hours.  It will be our pleasure to speak with you and give you a free consultation and explain our process and your report.  Again, the consultation is a service is free and without any obligation whatsoever.

In the event you do not have a report, go ahead and order your report here —> “Order Report” or give us a call and we can assist you with ordering your credit reports.  We’ll show you how to easily bring up a copy of your report and answer any questions you may have concerning its content.

Your FREE consultation includes the discovery of your objectives. Depending on what you are trying to accomplish by improving your credit score, we may also be able to determine what your best course of action is to realize your goals.

If your objective is home ownership, you may not need to try to achieve the highest possible score…your mortgage lender may only need to get you to a 580 in order to get the loan needed. If your objective is a new car loan, the same applies…you may only need to have your scores increased marginally in order to be approved for a new loan.  By approaching your objectives in this manner, it will save you both time and money!

FREE consultation can turn into a NEW HOME!  Again, if your objective is home ownership, contact us today to see how we can help you we’ll be happy to show how easy it is to have your credit fixed and enjoy home ownership!

The Federal Fair Credit Reporting Act provides all consumers with the right to ask for an investigation of information in their file and may be done by the individual consumers.  However, we are professionals and we are here to assist you.

Personal Credit Repair Programs

We are priced below a lot of our competition in order to make our service very affordable. The our pricing plans are very affordable, and we believe everyone should have a chance to improve and rebuild their credit.  The costs for our services are as follows:

Our Deep Credit Analysis is our highly through analysis of all three of your credit reports, 10 plus page detailed summary report, credit education, individual accounts impacting your scores along with a strategic plan to improve your credit.  We answer any questions you may have in raising your credit scores, provide strategies to improve your credit score.  We will even provide you with 25 letter templates of dispute letters if you want to do the work yourself.

Price: $195.00

Credit Analysis fees are billed 3-5 days after our initial consultation.

Our Credit Repair/Restoration Service is a highly effective dispute process with unlimited disputes. You will have 24/7 access to your account so you can follow the work being done on your file.  This program follows our Deep Credit Analysis service.  You may cancel at anytime or even extend you monthly service program should additional work be required. Most clients only need our service for 4-6 months.  Clients receive on going credit education during the duration of service, budgeting assistance, access to video education, credit building assistance, credit score training and more.  Please, don’t worry about how your credit file looks, we have seen it all.

Price: $99.00 (monthly restoration service)

Service fees are billed after all work that month has been completed

We initially charge $195.00 for the credit analysis as a first method to determine the amount of work needed.  We then discuss with you the nature of the program and best strategies to achieve your goals.  After that we charge a flat fee per item, per credit bureau corrected or removed from any of your credit reports. We do not charge a set up fee, monthly fee or any other kind of charge, with this program.  You pay for our service only after we deliver. Our total prices are actually very affordable and lower than the prices you can expect to pay at most of our competitors.

Price: $50.00 (per item removed, per credit bureau)

Service fees are billed after deletions has been completed.

ChexSystems is a consumer reporting agency governed by Federal Consumer Reporting Act (FCRA).  It is a network comprised of multiple Financial Institutions that regularly contribute information on mishandled checking and savings accounts.  ChexSystems utilizes this information to share with its member banking institutions to help them assess the risk of opening new accounts for a reported individual. Banks that use the ChexSystems service will not open a new deposit account for a customer that has been reported.  In the past, some were creating a business checking account as a method to get around Chexsystems.  Typically banks do not use ChexSystems when opening a business account.  However, a new trend is now emerging and banks are pulling ChexSystem reports on the signors of the business checking account.  We can remove negative listings from your ChexSystems report and help you avoid banking issues.

Price: $249.00 (Personal ChexSystems: 1-3 items)

Service fees are billed after work has been completed.

Inquiry Removal has helped many clients qualify for loans they most likely would not have been approved for without the service.  Multiple hard inquiries can drastically drive down a score and most people do not have two years to wait for the inquiry to fall off.  We don’t just offer a service, we offer a consultation to fully understand the process of removal.  The process of hard inquiry removals can take 30-90 days.  However, we have seen some removed as fast as 10 days.

Price: $30.00 per inquiry (per credit bureau)

Service fees are billed after work has been completed.

We understand that most couples are working towards a dream of home ownership or other big purchases in life.  However, most of these large purchases require good credit, and we also understand the financial strain of another monthly costs can be difficult on a family’s budget.  Therefore, we offer our Deep Credit Analysis service for couples at a significant discount.  Couples do not have to be married, but must live in the same household in order to qualify for the couples program.

Price: $295.00 (analysis fee) and $149.00 (monthly restoration service)

Credit Analysis fees are billed 3-5 days after our initial consultation.
Monthly service fees are billed 3-5 days after work has been completed.

We are prior military and we take great pride in taking care of our brother and sister’s in arms.  Just provide us with a copy of your DD214 or your current Military ID and we will get you a significant discount on our services.

We want to make sure you are happy with our services.  If you are part of our program and you refer someone for our services and they become a client, you will receive $20.00 off of your next months bill.  Remember, they must use your name for the referral so we can provide you the discount.

Remember, the Federal Fair Credit Reporting Act provides all consumers with the right to ask for an investigation of information in their file and may be done by the individual consumers.  However, we are professionals and we are here to assist you.

Price: $97.50 (analysis fee) and $49.50 (monthly restoration service)

Credit Analysis fees are billed 3-5 days after our initial consultation.
Monthly service fees are billed 3-5 days after work has been completed.


We offer one of the industry’s most powerful Self Credit Dispute Software available.  In as little as 45-90 days your personal credit can truly be transformed! The software has over 100+ letters that can dispute almost any credit issue you have with your personal credit.  For example:

  • Tax liens
  • Foreclosures
  • Judgments
  • Bankruptcies
  • Charge offs
  • Late Payments

All of the above and many more credit issues can be legally challenged and removed from your credit report.  The software has campaigns for you to utilize to increase your credit scores in as little as 45 days. This is a “Do It Yourself ” system that provides easy to use instructions to help you increase your scores.  If you have a question during the process, just give us a call and we will be more than happy to assist you.

Additional highlights of the software:

  • Up To Three Users
  • 20-Dispute Campaigns
  • Over 100+ Pre-Written Letters
  • Automated
  • Credit Repair Training
  • Video Training
  • Free Updates
  • Creditor & Collector Dispute Letters
  • Backup Sequences
  • Dispute Tracking
  • No Monthly Fees
  • One-Time Fee

Software requirements: This software is for one single license, the software can only be downloaded on a PC not a MAC.

Note:  This software is not an open source downloadable software.  Once you make the purchase, you will receive an instant download with your license key.

Are you ready to take action and improve and increase your credit score?

Are you ready to get access to the software?!  Just click below and get started improving your credit today!

Get Started – Pre-Pay ($149 – One Time Payment)

Improving your credit is one of the wisest investments
you can make for your financial future!