Our method
Honest credit repair, done once — not billed forever.
Most of the credit repair industry runs on monthly subscriptions and disputing everything in sight. That's not what we do. Here's the philosophy behind SwiftCredit — written straight.
We tell you what NOT to touch — not just what to dispute.
Most credit repair services dispute everything possible and bill you for it. We flag items that are naturally aging off soon and could actually be hurt by disturbing them — resetting timelines or drawing renewed attention from a collector. Leaving those alone is often the smarter move. We say so upfront, instead of billing you to dispute indiscriminately.
Every case is reviewed by a real person.
Before any letter goes out or any payment is captured, a member of our team checks your case for accuracy — the specifics of your file, the reasoning on each item, and the tone of every letter. Not just an automated pipeline.
One-time, transparent pricing.
No recurring monthly fees for the life of your case. Many competitors charge indefinitely. You see the exact price for your specific situation — based on the real complexity of your file — before you pay anything.
We show you your whole file, not just the bad parts.
Your assessment includes the accounts you already have in good standing. You see a complete picture — not a scary curated list designed to upsell you.
We follow the law, and we tell you your own rights.
Every customer sees, in plain language, their legal right to dispute inaccurate information themselves — directly with the bureaus, for free. We don't hide that option to make ourselves feel necessary. We earn the business by doing the work well.
No guarantees — because no one can honestly make them.
Any company promising specific score increases or guaranteed removals isn't being straight with you. Outcomes depend on your specific accounts and how creditors and bureaus respond. We tell you this clearly instead of overpromising to close a sale.
What it actually costs
The real difference: one price vs. every month.
Typical credit repair
Billed monthly for as long as your case is open — often many months, sometimes years — regardless of progress. That can add up to well over $1,000–$2,000+ over time.
- • Ongoing subscription for the life of your case
- • Incentive to keep the case open longer
- • Common practice: dispute everything, indiscriminately
SwiftCredit
A single transparent fee based on your actual file complexity. No recurring charges. No surprise renewal. No ongoing subscription. You see the exact price before you pay.
- • One payment, one time
- • Card only charged once letters are ready
- • We flag "leave alone" items instead of billing to dispute them
Why we can charge less — honestly.
Part of how we keep costs down is that we don't bill you to dispute items that are better left alone. Under the FCRA's seven-year rule, most negative items fall off on their own. Disturbing an item that's nearly aged out can reset attention on it, or push a collector to re-verify and re-report it.
A competitor billing monthly has less incentive to point this out — a case that stays open longer is more months of fees for them. We don't have that incentive. You pay once, so our only incentive is doing the work right, not stretching it out.
Individual results vary — we don't guarantee any specific score change or removal outcome.
A quick primer
Good debt vs. bad debt.
Not all debt is equal, and understanding the difference helps make sense of why your file looks the way it does. This is educational — not a lecture about the past.
"Good" debt
Generally debt tied to something that builds value or long-term ability to earn and save.
- • Mortgages
- • Student loans, in reasonable proportion
- • Auto loans
- • Business loans used productively
Managed responsibly, these can actually help build credit history and demonstrate reliability to future lenders.
"Bad" debt
Generally high-interest, non-productive debt.
- • Credit card balances carried long-term
- • Payday loans
- • Buy-now-pay-later stacking
- • Financing depreciating consumer goods at high rates
This is the kind of debt most likely to spiral and cause the derogatory marks SwiftCredit helps address.
See what's actually on your file.
Free preview. No card. Your full assessment before you decide anything.