Credit Repair & Rebuilding
Restart your credit.
Then rebuild it right.
We audit your credit reports line by line, challenge what's inaccurate or unverifiable with all three bureaus, and give you a plain-English plan to raise your score. No guesswork, no jargon.
Reset. Rebuild. Rise.
The Process
Four steps. One clear plan.
Every client's credit file is different, so we start with an audit, not a template.
Free Credit Analysis
We pull and review your reports from all three bureaus and flag every item worth challenging.
Custom Dispute Strategy
You get a written plan showing what we're disputing, why, and the order we're tackling it in.
We Contact Bureaus & Creditors
We handle the letters, follow-ups, and negotiation on your behalf, start to finish.
Track Your Progress
Monthly updates on what's changed, what's pending, and what's next, so you're never chasing us for status.
About Reboot My Score
Started by someone who's lived it.
Reboot My Score was founded in 2018 by Chris Chavez. Before he was fixing other people's credit, he was fixing his own. Bad credit taught him how the system actually works, and he spent years learning exactly what does, and doesn't, move the needle on a credit report. He turned that knowledge into a business, and has since helped thousands of clients qualify for the homes, vehicles, loans, and credit cards they were working toward.
Services & Pricing
Two ways to work with us.
Pay as you go, or pay once and be done. Either way, you get disputes across all three bureaus and a dedicated case advisor.
Required on both plans: SmartCredit monitoring at $29.99/month
SmartCredit is billed separately, directly to you, and pulls fresh reports from Equifax, Experian, and TransUnion every month. It's how we see what's changed and verify your results, so an active subscription is required for the length of your program.
Sign up for SmartCredit →Monthly Reboot
No setup fee
Ongoing, month-to-month support for as long as your credit file needs it.
- Unlimited disputed items across all 3 bureaus
- Creditor goodwill & negotiation letters
- Dedicated case advisor
- Monthly progress reports & score tracking
- Cancel anytime, no long-term contract
Flat-Rate Reboot
No setup fee, no recurring bill
One flat payment covers your full program, start to finish.
- Everything in Monthly Reboot
- No recurring bills or surprise charges
- Fixed cost and fixed scope from day one
- Usually the better deal for programs running 10+ months
Client Results
What working with us looks like.
"I can't believe how fast my credit got fixed. I was able to purchase a vehicle in 2 months."
"Just after 3 months my score increased over 100 points!"
"I finally was able to buy my dream home after Reboot My Score fixed my credit!"
Questions
Before you book, a few things to know.
How fast will I see results?
Bureaus generally have 30–45 days to respond to a dispute once it's filed. Most clients see their first changes within one to two billing cycles, though every credit file is different and there's no fixed timeline we can promise.
Is credit repair legal?
Yes. Under the Fair Credit Reporting Act, you have the right to dispute anything on your credit report that's inaccurate, incomplete, or unverifiable. We handle that process on your behalf, professionally and in writing.
Do you guarantee a specific score increase?
No legitimate credit repair company can guarantee a specific score or a specific outcome, and we won't tell you otherwise. What we guarantee is a thorough process, honest communication, and no charges for work we haven't done.
Will this hurt my credit?
Disputing inaccurate information does not lower your score. We don't open new accounts or take actions on your behalf that would negatively affect your file.
Do I pay before you do any work?
No. Your free consultation and credit analysis come first. You only start paying once you've agreed to a plan and work has begun, consistent with credit repair billing laws.
Can I cancel anytime?
Yes, all plans are month-to-month with no long-term contract. You'll also receive your cancellation rights in writing before you sign up.
Get In Touch
Talk to a real person about your credit.
Prefer to reach out directly? Here's how to find us.
Book your free consultation
Grab a slot that works for you. It's a 20-minute call, no pressure, no obligation to sign up.