Welcome to our company!

Up My Score is a credit repair company striving to help Americans with debt relief. We strive in making sure our clients receive the utmost attention and dedication to their financial burden. Clients with poor - horrible credit benefit from our services and our clients in the past can most certainly agree. Individuals who were unable to lease their own apartments without a guarantor and extra security deposits or buy their new home now have a bright debt free future ahead.

 How is it done? You have the legal right under the Fair Credit Reporting Act (FCRA) to challenge any item on your credit report that may be misleading, incomplete, unverifiable or questionable. If a challenged item cannot be verified, the credit bureaus must remove it. This sounds easy but most find it nearly impossible to do on their own. Having a professional advocate for you who knows the law and the most effective methods yields you the best results.

What We Do

Our intention is to provide not just debt reduction services but also FREE financial consultations and education to ensure that consumers who go through our care will continue to live a debt-free life while promoting debt settlement as the best alternative to bankruptcy, credit counseling, and debt consolidation.

  • FICO Scores
    FICO Scores are calculated from a lot of different credit data in your credit report. This data can be grouped into five categories as outlined below. The charts below reflect how important each of the categories is in determining your FICO score.   Account payment information on specific…
  • Credit Reporting Agencies
    There are three major credit reporting agencies in the United States: Experian, Equifax and TransUnion. A credit reporting agency gathers information from various providers and supplies credit data on individual consumers. Each credit reporting agency has its own formulas for calculating credit scores. Companies that supply your credit…
  • How Lenders Use FICO Scores
    90% of top U.S. lenders use FICO Scores when making lending decisions  When you apply for credit-- whether it's for a credit card, car loan, mortgage or other type of credit-- lenders will want to know your credit risk. That is, they'll want to know how likely…
  • Build And Establish
    It is important for the individual to take steps to start building and establishing credit. We recommend that you have at least five (5) open & active accounts on your credit report to maximize your credit score. Our company will help and guide you with applying for…

How we help

The way you get out of debt is by changing your habits. You need to commit to getting on a written game plan and sticking to it. Get an extra job and start paying off the debt. Live on less than you make. It is not rocket science, but it is emotional, which is why most people need help getting through it.

Our services

Starting with low monthly payments you can take control of your life and achieve financial freedom!


Filling out the form will give us exactly what we need to know about you for our consultation. We like to know a little about the person and their history.

Payment Options

Low payments of $69.99 a month! Initial start up fee does not apply


Full credit report audit where we discuss what credit repair is, your back ground and financial needs.

Portal Sign-In

Up My Score offers clients their own portal where they can check in daily to see what is actively being done to their finances.

Get in touch

If you have any questions, please use the form below and one of our staff will respond as soon as possible!