WAY BETTER CREDIT STARTS NOW
Erase the Negatives, Rebuild
your profile, and Boost your
Score by 100+ Points

WHAT DO WE REMOVE
IMPROVE YOUR CREDIT
We'll address negative items on your credit report by working directly with credit bureaus and creditors to help raise your credit score and setting you up for success.
TRACK YOUR RESULTS
Stay informed every step of the way with 24/7 account access, allowing you to track your progress and receive real-time updates on improvements to your credit reports and scores.
SECURE YOUR FUTURE
With a stronger credit profile and the tools to maintain it, you'll be ready to achieve your financial goals and enjoy lasting success.


“My life changed forever”
“Before working with Bay, I felt stuck and overwhelmed by my credit situation. In just a few short weeks, my score jumped over 200 points, and now I finally feel in control of my finances.”
- Taline Galstian


"Real Result. Real Fast."
Working with Bay was the best decision I ever made. In just a few weeks, my credit score shot up over 150 points, and I finally qualified for the funding I needed. This isn’t just credit repair—it’s a full financial transformation
- Michael D.


"Highly recommend this"
Partnering with Bay completely changed the game for me. Within a matter of weeks, my score jumped by more than 150 points, and I was finally able to access the funding that had always felt out of reach. This wasn't just about fixing credit—it was a total shift in my financial future.
-Rosa Perezio









Most clients start seeing real results within 30–90 days after we begin the process. Every case is different, but we move aggressively for you.
Yes, We focus on challenging and removing collections, late payments, charge-offs, repossessions, and other negative items from all three major credit bureaus.
We guarantee that we will aggressively dispute and fight for your credit improvements. While results aren’t guaranteed, we use trusted methods and legal protections to give you the best chance at success.
No worries! Many of our clients have tried and failed elsewhere until they worked with us. We use advanced factual dispute methods and escalate when needed.