No Deletions = No Final Payment
CROA Compliant
Secure & Confidential
Bad credit is costing you thousands

We Dispute Every Negative Item On Your Credit Report

Collections, late payments, charge-offs, hard inquiries — we create custom dispute letters for ALL of them. You only pay for results.

No Deletions = No Second Payment. Guaranteed.
Text CREDIT to Get Started

📱 334-938-9171 • Response within 1 hour

SmartCredit
Your Score
300
300 - 850
Equifax Experian TransUnion

$13,000+

Debt Removed for Clients

200+

Point Score Increases

3

Bureaus Cleaned

Raheem Sanders

Raheem Sanders

Founder & CEO, Knight Financial

I founded FCACP with one mission: to help everyday people take control of their credit. After experiencing firsthand how unfair reporting practices can hold people back, I dedicated myself to mastering federal credit law.

As a full-stack developer and credit expert, I've built systems that identify reporting errors most people miss. My background includes hands-on experience with FCRA litigation and Metro 2 reporting standards — the technical language credit bureaus use.

I'm not here to make promises I can't keep. I'm here to fight for results.

FCRA Expert Metro 2 Specialist CROA Compliant Tuskegee, AL

Why Credit Repair Works

The facts are on your side

📊

"Removing negative accounts from your credit report is one of the fastest ways to see a score increase. Every deletion reduces the negative weight on your profile."

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The Math Is Simple
Fewer negatives = Higher score
⚖️

"Under the FCRA, credit bureaus must remove items they cannot verify within 30 days. Many creditors fail to respond — resulting in deletions by default."

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Federal Law Protects You
FCRA Section 611
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"Generic dispute letters get ignored. Custom letters citing specific Metro 2 reporting violations force bureaus to actually investigate — that's when deletions happen."

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Strategy Matters
Custom beats generic

Real Client Results

See what we've accomplished for clients just like you

$13,000 Debt Removed in 30 Days

"I had student loan debt that was forgiven, but the credit bureaus still showed me owing $13,000 I didn't owe. FCACP got it completely removed from TransUnion and Equifax in just 30 days. Life-changing."

DM

Di'Ondre Mathis Jr.

Tuskegee, AL

Collections & Charge-Offs Deleted

"I had collections and charge-offs dragging down my Equifax score for years. FCACP analyzed my report, found the violations, and got them removed. Finally able to move forward with my credit."

HM

Hope R. Miller

Alabama

All Negatives Removed — All 3 Bureaus

"FCACP disputed every single negative account across all three of my credit reports. Equifax, Experian, TransUnion — all cleaned up. I can finally qualify for what I need."

DM

Diyana Mathis

Alabama

Negatives Removed + Late Payments Forgiven

"They disputed all my negative accounts on Experian and created custom goodwill letters that got my late payments forgiven. Two different strategies, both worked. Highly recommend."

CS

Charles L. Sanders

Alabama

+200 Points in 90 Days

"I used the same methods we offer clients on my own credit. Nearly 200 point increase in 90 days. This system works—I built it because I needed it myself."

RS

Raheem Sanders

Founder & CEO, Knight Financial

How It Works

Simple 3-step process to cleaner credit

1

Free Analysis

Send us your credit report. We identify every negative item that can be disputed.

2

Custom Letters

We create unique dispute letters for each negative account and hard inquiry. You mail them out via priority mail.

3

See Results

Within 45 days, watch negative items get removed from your report.

What We Dispute

We go after everything holding your score down

Collections
Late Payments
Charge-Offs
Hard Inquiries
Repossessions
Bankruptcies
Foreclosures
Judgments

Don't Have Your Credit Report?

Get your 3-bureau credit report for just $1 to get started

Get Your Report for $1

Simple, Fair Pricing

Only pay for results — not promises

Complete Credit Repair Package

Credit Analysis + Custom Dispute Letters $250
After Deletions (results-based) $250
✅ If you get NO deletions, you don't owe the second $250. Period.

🔒 Secure payments via PayPal

📋 Fully CROA Compliant (Credit Repair Organizations Act)

Text CREDIT to Get Started

Frequently Asked Questions

Get answers to common questions

How long does it take to see results?

Once you mail your dispute letters, credit bureaus have 30 days to investigate (up to 45 days in some cases). Most clients see their first deletions within 45 days of mailing their letters.

Is credit repair legal?

Yes, 100% legal. The Fair Credit Reporting Act (FCRA) gives you the legal right to dispute any inaccurate, unverifiable, or unfair information on your credit report. We help you exercise that right effectively.

Do you guarantee deletions?

No — and any company that guarantees specific deletions is lying to you. What we DO guarantee: if you get zero deletions, you don't owe the second $250. We're CROA compliant and legally cannot promise specific outcomes.

What if nothing gets deleted?

If you get NO deletions at all, you do not owe the second $250. Simple as that. We only charge for results because we believe in our process.

How do I pay?

All payments are processed securely through PayPal. You'll receive an invoice after your credit analysis is complete. The second payment is only invoiced after confirmed deletions.

Ready to Fix Your Credit?

Stop letting bad credit hold you back from the car, home, or opportunities you deserve.

Text CREDIT to Get Started
Important Disclosure (Credit Repair Organizations Act) You have the right to dispute inaccurate information in your credit report by contacting the credit bureau directly. No one can legally remove accurate and verifiable information from your credit report. Credit repair organizations cannot guarantee specific results. Under the Credit Repair Organizations Act, you have specific rights, including the right to cancel your contract within 3 business days.
📱 Text CREDIT to 334-938-9171 to Get Started