Welcome

Peak Credit

Eliminate Bad Credit Today!

Trusted Services

We partner with you to bring your credit score dream to reality.

Expert & Professional

We have the right team and strategy to help you find what exactly you need.

24 / 7 Support

Our experienced customer service team are always online to meet your needs.

Why Choose Peak Credit?

Peak Credit  specializes in credit restoration, debt reduction Student loans and mortgage approval assistance. We offer credit education, credit repair and credit rebuilding services.

Peak Credit  is committed to your journey to financial freedom to relinquish the confidence into yourself, dependents and lifestyle. We look forward to working with you…where we all meet at the top!

Our Proficiency Speaks for itself

Credit repair
98%
Credit Education
92%
Credit Monitoring
94%

Credit Repair Consultation

Let’s work together to challenge credit report errors and optimize your scores. If you are ready to take action, we are ready to help!

What to Expect

The bad credit situation needs to be resolved on time to regain a good credit score, and it could be achieved with proper rules.

1. We will Inspect and look for the inconsistency of the credit report. We will make sure that there are no mistakes and wrong information in the report.

2. In case we find some inaccuracies, we will report them immediately to the listed creditor and have them make corrections as soon as possible.

Credit Report Review

Help you obtain a better understanding of your credit report, credit history, credit score, and show you how to improve your creditworthiness.

Credit Monitoring

Monitor the scores submitted by the credit bureaus to ensure that only accurate and up-to-date information is reflected.

Credit Repair

We review your credit report, dispute and challenge unfair marks on your credit. We work on your behalf to raise your scores.

Credit Education

Find ways for you to reduce interest rates, pay off loans and unsecure debt in a timely manner – which helps raise your credit scores.

Credit Repair in 3 Steps

1. Clean up your past

We work with credit bureaus and your creditors to challenge the negative report items that affect your credit score.

2. Monitor Your Present

Easy access to your account 24/7 for live status updates on improvements on your credit reports and scores.

3. Build Your Future

We’ll maximize your score so you can achieve your goals and learn how to maintain great credit long after our work is done.

Pricing Plan

Your need is our priority

Let’s work together to challenge credit report errors and optimize your scores. If you are ready to take action, we are ready to help!

Monthly Package

$60

enrollment/audit fee

$75 monthly fee ( includes credit monitoring)

Credit Education

3 Bureau Audit-Analysis

24/7 Client Portal Access

Customer Service Support

Monthly Updates

Credit Building

No Contract

Money Back Guarantee if No Deletions in 120 Days

Unlimited Disputes

FAQ

Frequently Asked Questions

Your credit report defines if you can acquire a home loan, vehicle financing, credit card rates and even affordable car insurance! The misconception among most Americans is that we have just the one credit report. Each of the three main credit bureaus (TransUnion, Equifax and Experian) has their own credit report to show. Over 75 percent of credit reports contain errors and it is extremely important that you review all three credit reports to make sure the information is up to date and accurate! A lender may pull just one of your reports or all three when considering a loan, so it is paramount that you keep a close eye on ALL 3 reports.

There are many things that can affect your credit score, but for now let’s go over the main negative and positive factors.

-Negative- Collections, Charge- offs, Repos, Loans, Delinquent accounts, closed account, Medical Bills and Late Payments.

-Positive- Long and Positive Credit History, Low Credit Utilization, Positive Trade Lines, On-Time Payments and Paying More Than the Monthly Minimum On Payments.

Each person’s credit report is different and each item on the report holds a different weight. If your score isn’t rising or is declining slowly; the main issue causing this is simply that the weight of the negatives is outweighing the positives. If you have been making your payments on time, but your credit utilization rate is above 30% then you may see a slow increase. If you are to remove any negative items but don’t have much positive credit recorded underneath, then you may experience a small decline in your score or a very small increase. On the other hand, if you remove many negative items and underneath you DO have positive credit, your score will rise 90% of the time!

Let’s Make A List!

  • Names- Is your name listed correctly or are multiple names present?
  • Is your address accurate and up to date?
  • Are items listed properly or missing?
  • Manner of Payment- This one is a little difficult to start looking for at first, but we have a handy dandy video to show how to find these discrepancies! – MOP Mistakes
  • Do you not recognize an account/ is the account even yours?

Great question. Unlike most companies that only dispute two or three items per month, we challenge every piece of negatively reporting information every month, which results in a much shorter total program time for our clients. However, please always keep in mind that credit repair is a process, and that process takes time and patience as well as maximum effort. Most of out clients will see some changes on their credit report within the first 45 days or so, and then they see more results following each cycle that we send. However, there have been a few clients who had very few changes for 4 or 5 months, and then all of the sudden there was a landslide of removals, deletions and updates. Patience and persistence is the key to successful credit repair. Even for the most stubborn negative accounts that took many, many rounds, there has rarely been an account that could not be removed with enough attacks and enough patience. We call this the TMF (Too Much Factor), where over time our challenges cost the bureaus too much money and too much time and we have presented too much evidence, and they will eventually remove the challenged account. But we need your patience in order to reach this point on the most stubborn items. Our advice: Don’t Quit! You will be successful in the long run.

Every 35 days, at the end of a challenge cycle, we will pull your updated credit report and update your Secure Client Portal with the results. We will also send you an email with all the significant updates, as well as insight as to why your scores changed. These might include pointing out that a credit card balance increased significantly, and advice on what you can do to help us help you.

Absolutely! Due to the current climate, our staff is largely remote to keep everyone safe and comfortable. Because of this, the easiest way to get on the phone with your Credit Improvement Expert is to book a call using the page below. Please be sure to let us know exactly what you have questions about so that we can help you the best way possible. Here is the Embed link:

Due to regulatory restrictions, we can only have access to an updated credit report every 30 days at the earliest. So, if you get a notification from one of your apps that something has changed, been removed or updated, we will not be able to provide any details about it until we are able to pull an updated report at the end of the 30-day period.

Your payment date will be on the anniversary date of the day you signed up initially. For example, if your first payment was on the 16th of the month, you will be billed on the 16th of every month. The only exception is: if the 16th falls on a Sunday, the bank that does our payment processing may process your payment on the Saturday before.

We need to see any communication you receive from creditors, collectors or the credit bureaus. You can scan or take pictures of this communication and either upload it into your Secure Client Portal or email to info@sunrisesolutionscreditrepair.com

We need to see any communication you receive from creditors, collectors or the credit bureaus. You can scan or take pictures of this communication and either upload it into your Secure Client Portal or email to info@sunrisesolutionscreditrepair.com

This is completely normal. During the repair process, challenged items get placed into a Disputed Status that affects the way the information is calculated. In fact, it is common to see a large drop in the first month or two of repair, but again this is normal, and nothing at all to get concerned about. Once the investigations are completed and those accounts are removed, the scores will reflect the correct changes.

Well, that is because you don’t actually have a credit score. You have a Credit Profile which contains all your information. The information on your Credit Profile gets run through an algorithm called a Scoring Model which gives particular values and weights to the information in your profile, which then gets calculated to create your score. There are dozens of different Scoring Models, and they all calculate the information slightly differently, so your score will be different on all of them all even though they are calculating the same information. The two main Scoring Models are FICO and Vantage, and there are even several different versions of the FICO and Vantage scores. The main thing to know is that as long as negative items are being removed and you are consistently adding positive information in the form of on-time payments and low balances on your credit cards, your credit will improve.

Absolutely, and we will suggest that you open specific credit accounts based on your credit profile. These accounts will be tailored to you, and will plug the holes in your specific credit file and maximize your score.