Credit Restoration

Your credit score can affect everything from home loans, auto loans, apartment leasing, insurance, and even employment. Bad credit means higher rates on just about everything related to borrowing money. A great credit report is essential to financial freedom.

Back Office Credit Solutions LLC uses aggressive planning strategies and conventional dispute methods to ensure maximum results in improving your score. We strategically work with creditors to resolve any outdated, inaccurate, or negative items that are adversely affecting your credit score. Our process is based upon consumer laws and our experience with the credit bureaus. We take advantage of your rights as established by the Fair Credit Reporting Act (FCRA), Fair Debt Collection Practices Act (FDCPA), Truth In Lending Act (TILA), Fair Trade Commission (FTC), and other Acts to help our clients achieve their goals. You have the legal right to question any information on your credit reports that you feel is questionable or erroneous. If questionable items cannot be proven, then they must be removed.

If you answer YES to any of the questions below, contact us immediately!

Need to increase your credit score?

Do you have high interest rates?

Have you been denied for a loan (auto, home, personal, credit cards)?

Tired of making mandatory deposits for utilities or phones?

Want lower home or auto insurance rates?

Just want more information on how to save money or lower your current debts?

Have more bills than money?

40 Million Mistakes: Is Your Credit Report Accurate?


Back Office Credit Solutions LLC works in a 4-step process that is geared to provide world class customer-service and quality results.

Step 1: Consultation

We will have a one-on-one discussion to discuss your goals. This will determine how Back Office Credit Solutions LLC can help.

Step 2: Sign Up

After sign-up, you will receive a welcome letter. You will be required to provide us with your credit reports from all three credit bureaus: Equifax, Transunion, and Experian. We will conduct a comprehensive credit analysis of your credit report, noting all inaccurate information. Additionally, we consider the various factors that are diminishing your credit score and provide you with actionable steps to increase your score.

Step 3: Create Plan

After your credit analysis, we will work with you to develop a personalized strategy and dispute inaccurate items with all three credit bureaus and collectors. You can track your progress using our online client portal.

Step 4: We go work for you

Credit Repair is NOT an overnight solution. It is a process. The average time frame is 6-9 months. By law, the credit bureaus have 30 days to investigate your dispute. Within 30-45 days, you will receive your results directly from the credit bureaus and collectors. We analyze the updates for any changes to the inaccurate, misleading, and unverifiable information. If there are changes, we update your file and then move on to the next item. If the item returns verified with no change, we follow up with the credit bureaus and collectors to try to get a resolution on why the inaccurate information is still on the credit report. It is imperative that you forward each updated report to us so we can track which questionable items were deleted!

Items Possible To Remove

Additional Services Offered

Late Payments
Collection Accounts
Unauthorized Inquiries
Incorrect Personal Information
Medical Collections
Charge Offs
Other Credit Errors and More!

Additional Services Offered

Innovis – 4th major credit bureau
Tenant Screening
C.L.U.E. Report
Employment Screening
Drivers History


Get all three bureaus on one report!

Do You Know How Your Credit Score Is Calculated?

88  35% Payment History: the record of your on-time and late payments
88  30% Available Credit/Amount Owed: your credit limit minus the amount you owe for each account.
88  15% Length of Credit History: the time elapsed since each account was opened.
88  10% Number of Inquiries/New Credit: record of inquiries logged when you apply for credit.
88  10% Types of Credit: mortgages, installment loans, revolving accounts, etc.

It’s time to get your financial LIFE back on COURSE


Financial Education

Financial literacy is the ability to understand how money works in the world: how someone earns money, manages money, invests money, handles internal and external financial challenges, and donates money to help others.

Back Office Credit Solutions LLC offers financial education solutions for all life stages. Our focus is to increase awareness and provide access to financial education to the masses. We will work with you to analyze your current financial position, predict short-term and long-term needs and execute a plan to fulfill those needs within your financial constraints.

We offer consulting services to those who need help with debt, budgeting, money management skills and credit issues. We will provide you with tips to help you save money, teach you how to calculate and increase your net worth, reduce debt and increase your cash flow, and show you how to protect your assets. After all, no one cares more about your money than you!

Our consultants will work one-on-one helping you achieve your financial goals.  We will:

  • Assess your current financial position
  • Develop a plan of action
  • Establish achievable financial goals
  • Monitor and record successes

Financial illiteracy affects all ages and causes many people to become victims of predatory lending (payday loans), fraud and high interest rates, potential resulting in bad credit and sometimes bankruptcy!

Statistics show that over 65% of Americans are financial illiterate. You don’t have to be included in this number.

We are dedicated to creating an environment where consumers are informed to make educated financial decisions that will improve their lives.

Back Office Credit Solutions LLC also offers financial education seminars to non-profit and civic organizations, corporations, and various other groups.  Please see a few of our seminar listings below. Call us for more details.



  • Credit: What is it and why is it important
  • Identity Theft: Protect Yourself
  • Credit Repair: What they don’t want you to know
  • Credit Report: What does it mean and how to read them
  • The Basics: Introduction to money management
  • Small Business: Protect your business from fraud
  • Financial Elder Abuse
  • First Home Buyer
  • Financial Planning/Life Insurance
  • And many more…