At UpMyScore, we make every effort to make the credit repair process as easy and hassle-free as possible. We have designed a proven and effective way to help repair and build our Clients credit. Our process focuses on raising our Clients credit score which is calculated by 5 factors. Payment history (35%), Debt owed (30%), length of credit history (15%), new credit/inquires (10%), and mixture of credit (10%). It takes up to 30 Days for any of these things to get reported and often longer to reflect on your credit history report. Our credit repair program is Three months long but you can cancel at anytime. A lot of our clients see results in as little as 45 to 90 days but see maximum results in six months.


Answering the questionnaire in full detail helps credit experts understand your goals and the financial burden you face. Only inquire if you are serious about obtaining your own credit report and scheduling a consultation. Giving details about your history with credit can help us determine your habits when handling money, debt and payments. Overall, inquirying will help us decide if you qualify for our credit repair and establishment program.


Its so easy! Create a CreditKarma account and set up an appointment for your consultation for a partial audit on your credit report. Here we will discuss your Trans-union and Equifax credit report dissecting your finances and debts. Discussing with you we will be able to give you a summary of what can be done to your case and time frame. Keep in mind CreditKarma does not give information for your Experian credit report. Once you sign on as a client you we need to create an account with our credit report agency to pull all three reports from the bureaus.

Pulling Your Credit Report

If you have inquired and had a consultation than it means you are eager and ready to start the process of getting your credit report and getting your credit fixed. Under federal law you are entitled to a copy of your credit report annually from all three credit reporting agencies - Experian, Equifax and TransUnion - once every 12 months for free. If you have already pulled your free credit report for the year, do not worry you can still get your credit report by going on Once you inquire with UpMyScore, you will get an email with instructions on pulling your credit report. You will either get it for free (case by case) or pay the $1.00 dollar,see below for websites.

1. If you do have to pay to get your credit reports you can do so by going to and signing up for their 30-day trial for $1.00 dollar, this website allows you to pull all three credit reports from all major bureaus. Once you obtain your reports you send it, with your user name, password and last four digits of your social to the email provided to you.

2. If you qualify for the free annual credit report you can obtain it on, and follow their steps. Once you obtain your credit report you print it, scan it and send it to the email provided to you.

Case Intake

Once you engage our firm, obtained your credit reports from the three major credit bureaus: TransUnion, Experian and Equifax. You should schedule your consultation as soon as possible to go over your credit reports. Keep in mind information on your credit report is changing constantly, so don't wait!. Since each client's case is unique, we will collect specific information regarding your particular circumstances for each item in question and discuss a plan of action. Clients have the option of paying the day of the consultation or have five days to pay with via invoice. The consultation is free and if the client wishes not to move forward, all information obtained by the credit expert will be discarded.

Credit Expert

The expert assigned to your case will review your credit reports and then direct appropriate correspondence to your credit report based on their analyze. Your credit report items are carefully triaged and matched with just the right credit repair strategies as applicable to your case. The team at UpMyScore is proud of its reputation as a credit repair company. As testament to our success we have productively been of service to every one of our clients. Regardless of the situation, we help each client by addressing late payments, charge offs, or even bankruptcies. As experts in credit repair, our teams of specialists have the expertise and the knowledge to work out some form of solution relative to any and all credit difficulties. In fact, we stay on our process constantly, always looking for newer and more advanced ways of providing credit solutions to our clients in order for maximum results to your credit report.

Credit Score Breakdown

From collections to bankruptcy, we understand it all. We'll work with you to create a customized plan that meets your unique needs and maximizes results.

If you have been experiencing financial difficulties due to poor credit ratings, we at UpMyScore know exactly what you're up against and we can help. We take a personalized approach to your unique credit situation. Whether it involves buying a home, making simple purchases or possibly applying for a loan, with poor credit ratings, making any kind of purchase is a daunting task. If you've tried to make a large purchase recently and discovered that your credit score is holding you back, it's because your credit score weighs heavily on the decision of creditors and lenders. It could be that you wanted to get a loan approved for a new automobile or you were turned down for a loan on a new house. Before someone lends you money or allows you to make a large purchase, you have to show that your credit report is stable. keeping that in mind, the lender carefully reviews your credit before letting a loan go through. If your credit report has discrepancies, chances are that you will not be able to get a loan. If you have discrepancies we can help!

Stay Informed 24/7

With our email alerts, client portal with 24/7 access it's easy to stay connected to your score and monitor all your credit progress. We think its important to stay connected to what matters most in getting on the right path to a new credit future. That's why we have developed client portals. We wanted to be different, and with skepticism surrounding our industry we want to be held accountable. That's why you can login any time and see current status on your credit reports.

What if I don't use technology?

Well we certainly don't force anyone to use the tools we have developed, but we understand that some customers don't have computers or want to use emails. Although that is a small portion of our business we want you to feel comfortable in the fact that we have a live agent standing by to answer all your questions on any updates, deletions etc Monday-Friday from 10am-6pm.

Secure Client Access

Using our secure portal and iCloud database our clients feel secure and safe using our services. With this tool, you can log in 24/7 to see the live status of our progress, and to communicate and exchange documents securely. When there's a new update or document, you'll receive an email asking you to log in to view it. Secure communication is much safer than email, because it's protected by bank-level security encryption. I've also included information and financial tools to help you speed up the process of improving your credit and to maintain great credit and healthy finances well into the future.


  • Secure client portal
  • A free no-obligation discussion about your credit requirements
  • Fixed fees agreed in advance and not dependent on income level
  • Secure email exchange
  • Signature Capture
  • Payment reminder
  • Free resources
  • Recurring payment option