What Does It Mean When You Have No Credit Score?
This means that there is not enough credit history available to generate a credit score. It occurs when you haven't established any credit.
1. Rapidly Increase Your Credit Score
We'll provide you with a roadmap that is designed to restructure your credit profile from the beginning to ensure that you obtain the highest possible credit score.
2. Aggressive Dispute Tactics
Our dispute letters leverage a sophisticated keyword system that compels the credit bureaus to move quickly on your behalf, resulting in better results for our clients.
3. Inquiry Removal Tactics
We work hard on challenging those persistent inquiries that are causing issues on your reports. You won't have to wait 2 years for them to disappear. We're committed to expediting the removal process.
About Us
Rebuild, Repair & Improve Your Credit Score!
Elevate your life to new heights of success with our help. Achieving a flawless credit score is a pivotal step towards realizing your financial aspirations. Let us guide you on the path to financial greatness and unlock a world of opportunities. Your journey to success begins with perfect credit.
Credit Repairing
we are always there for your credit repair needs.
Credit Consulting
we are always here for your consultation needs.
Premium Services
Our Latest Services
Credit Repair Services
At Happy Credit Care, we prioritize exceptional customer service and offer 24/7 support. We're dedicated to serving you and fulfilling your needs.
- We remove deragatories and inquries.
- We offer Tradelines and assist in personal loans.
- We challenge evictions and repossesions.
Credit Consultant Services
Happy Credit Care consulting is a service provided by professionals who specialize in helping our customers, establish, build, and manage their personal or business credit profiles.
- Credit Profile Evaluation
- Credit Building Strategies
- Credit Utilization Management
Credit Education
We provide Credit repair education to individuals with the knowledge and tools they need to understand and navigate the intricacies of credit reporting, scoring, and improvement. This education equips individuals with the skills to take control of their financial well-being and make informed decisions to enhance their creditworthiness.
- Understanding Credit Reports
- Identifying Errors:
- Legal Rights
Business Credit
So let us at Happy Credit Care help you to build your businees credit. Business credit, also known as corporate credit, is a distinct credit profile and financial history that belongs to a business entity rather than an individual. It is used by lenders, suppliers, and other business partners to assess the creditworthiness of a company when making decisions about extending credit, offering loans, or entering into financial transactions.
- Credit Reporting Bureaus
- Business Funding
- Factors Affecting Business Credit
How We Work
How Our Credit Repair and
How Our Credit Repair and
Restoration Works
01
Challenge Creditors
We employ advanced methods to dispute charge-offs, late payments, inquiries, and other credit issues on your behalf. Our approach is designed to yield effective results.
02
Credit Monitoring
Experience our secure and user-friendly online portal, granting you access to your credit report and regular updates with ease. We provide 24/7 support.
03
Pay Your Bills On Time
If you're facing difficulties with bill payments, don't worry. After we've finished assisting you, we can help you secure personal or business loans to meet your financial needs.
04
Pay Down Outstanding
You'll have negotiating power to put whatever down payment you're confortable with.
05
Keep Old Cards
Keep old credit cards and accounts in good standing. If you close of your old cards it will have a negative impact.
06
Watch the Progress
You can relax as we handle everything for you, and you can easily track our progress through our online portal.
CHECK BELOW
Discover Our Credit Repair
Discover Our Credit Repair
and Restoration Services
Why Choose Us
Benefits of Better Credit
Benefits of Better Credit
Score and Restoration
Approval for Higher Limits
Allow us to help you get approved for higher credit limits which in turn will allow you to lower your debt to ratio.
Qualify for Better Options
By fixing your credit you will be able to get approved for much lower interest rates and a much lower down payment.
More Negotiating Power
Now the negotiating power will be on your side. You don't have to settle for less.
Pricing Plan
Pick Your Perfect Tradeline Package
Silver Package
$1,499
- 2 Tradelines - 2 to 3 Yrs old
- Combined Credit limit of $35k
- Completion of about 15 days
- Average Credit Score of 720+
- 24/7 Customer support
Gold Package
$2,499
- 2 Tradelines - 2 to 5 Yrs old
- Combined Credit limit of $50K
- Completion of about 15 days
- Average Credit Score of 730+
- 24/7 Customer support
Platinum Package
$4,999
- 4 Tradelines 2 - 10 yrs old
- Combined Credit limit of $75K
- Completion of about 15 days
- Average Credit Score of 760
- 24/7 Customer support
Are You Ready to Get Credit
Repair Services?
Faq
Asked Any Questions
Credit scores are calculated based on past financial habits. This includes your payment history on credit accounts, the credit you use compared to total credit available and the length of your credit history. It may also include negative financial events such as a bankruptcy and other deragatories.
Pay your bills on time, stay below your credit Utilization of 30%, maintain credit history with older credit cards,
apply for new credit only as needed to avoid hard inquiries and contantly check your credit reports for errors using IdentityIQ, MyScoreIQ or Experian.
It's common for the credit removal and dispute process to take around 30 days, but it might extend to 90 days in certain cases due to the unique nature of each account situation. Once a dispute is initiated, it typically takes about 35 days for an updated credit report to be generated.
After becoming a client, you'll receive automatic email updates and links via email and text message to create a personalized portal. This portal lets you easily track your disputes, view removed items, access your credit report, upload documents, and directly communicate with our customer service team.
Let’s talk
Free Consultation
TestimonialS
Our Client Reviews
"Happy Credit Repair did a fantastic job on my credit, I had a very low credit score I couldn't get approved for any credit cards, which was very disappointing for me. I started Fixing my credit in March of 2023 and now my credit score is 700+."
Holing Tums
Client
"I hired Happy Credit Repair to remove 33 Negative accounts of my mom's credit. Two weeks later they were able to remove all 32 negative items and 18 inquiries. I'm so excited for my mom. Highly recommended. Grest Job..."
Daniel Williams
Client
"Choosing Happy Credit Care was a game-changer for me. Their efforts and strategic approach revitalized my credit score in no time. I'm truly impressed with their professionalism and commitment."
Nicolas Puranix
Client
"Thanks to the incredible work of Happy Credit Care, my credit score has soared to new heights. Their expertise and dedication are truly commendable. I'm now on a solid path towards financial success!"
John Brovo
Client
"Before I was reffered to Happy Credit Care, I was having a hard time getting approved for an auto loan. A month and half later after signing up for thier services, I was finally able to get approved for my brand new car of my dreams."
Holing Tums
Client
"Thank you so much Happy Credit Care for helping me improve my credit. It took a little over 3 months to get my credit just where I needed it. Now I’m pre-approved for a mortgage and am currently house shopping!"
David Mills
Client
