It's a New Beginning For Your Excellent Credit.

Lends Well is here to help you access all the benefits of having perfect credit. Our in house credit repair services can help you work to remove the inaccurate or unfair negative items listed on your credit report.

Get a FREE Credit Analysis Now!

Find out why over 50,000 clients chose Lends Well

"With good credit you can make a lot of moves building generational wealth for your family." - Lends Well

Hear what some of our clients have to say after reaching their personal credit goals and advancing to building their business credit next.

WHAT CAN YOU DO WITH GOOD CREDIT?

  • Low Interest Rates on Credit Cards and Loans

  • Better Chance for Credit Card and Loan Approval

  • More Negotiating Power

  • Get Approved for Higher Limits

  • Easier Approval for Rental Houses and Apartments

  • Better Car Insurance Rates

  • Get a Cell Phone on Contract With No Security Deposit

  • Avoid Security Deposits on Utilities

  • Bragging Rights

  • Financial Security

How We Help Fix Your Credit

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Is credit repair right for you?

Depending on the status of your credit report, credit repair might not be the best next step to raising your credit score. Our credit repair services are designed to help those who are most in need of negative item removals from their report.

DON'T WAIT 7 YEARS

Late Payments and Collections are the most common items we deal with and have the most success removing. On their own they usually don't drop off before 7 years.

DON'T GET DENIED AGAIN

Getting your credit score above a 760 will help you get approved and get the best rates on loans and credit cards. We've helped thousands achieve this.

HARD INQUIRIES

Having your credit pulled can negatively affect your score. We have ways to manage that.

How long does credit repair take?

Unfortunately, there’s no way to predict in advance how long it will take to repair your credit, as every credit report is unique. That being said, we help hundreds of thousands of people each year work to repair their credit, and typically they’ve seen results in 30 days. With our team of professionals, credit monitoring software and mobile app dashboard, our removal process is streamlined to get you results.

Your Credit Rights

The Fair Credit Reporting Act (FCRA) plays a major role in the credit repair process as it's laws protect consumers by governing credit bureaus and the furnishers of credit information like creditors and financial institutions. Some of the key laws and rights granted in the FCRA include:

 

  • Credit bureaus are required to provide one free credit report every 12 months.

  • Credit bureaus are required to verify the accuracy of information listed on the report.

  • Creditors and financial institutions are required to only report complete and accurate consumer information.

  • Consumers can challenge incorrect and incomplete items listed on a credit report.

  • Consumers can seek damages from credit bureaus and furnishers violating the FCRA.

  • Consumers can limit who can access your credit reports.

  • Consumers can request if your credit report is being used against you financially.

 

The team at Lends Well will help you understand your credit profile and rights as a consumer during our free credit consultation.

Maintaining Good Credit

If your credit report is already free of errors and negative items, credit repair will not help you raise your credit score. After your report is clean, raising your score comes down to practicing good credit habits and being mindful of how a credit score is calculated. For more detailed insight on improving your credit, here are the five main factors that affect your score: