Credit Repair

Better Credit, Easier

Join the 3,409 people that signed up last month to have us fix their credit and raise their score. A simple service, by experts

Credit Repair Benefits​

1 in 4 Chance Your Credit Score Have Errors, So Fix It to Increase Your Approvals

That’s not some made-up statistic. It comes directly from a consumer credit report study by the Federal Trade Commission. In 2013, the FTC found that one in four reports contains some kind of error. Even worse, one in five reports has an error that would affect a consumer’s credit score. And one in twenty has an error that would drag down your score by 25 points or more.

Refinance all your loans for lower interest rates

One of the main benefits of better credit is lower interest rates on all your loans. The interest rates you can qualify for are directly tied to your credit score. Better credit means lower rates. It also means that you can get in while the getting is good on low-interest rates available now. Lenders set interest rates based on several factors, starting with your credit score. But the strength of the economy is another big deciding factor. When the economy is strong, the Federal Reserve raises its prime rate. This, in turn, causes lenders to increase their interest rates as well.

Get major discounts on all auto and personal insurance

Low-rate auto loans aren’t the only way that better credit helps you save money. You can also qualify for better rates on your car insurance policy, too. Most auto insurers use what’s known as a credit-based insurance score. Essentially, a low credit score means you pay more for insurance, even if you’re a good driver with a clean record.

Avoid risky alternative financing solutions

If you need cash, financing is a good way to get it when you’re running short on income. You can finance a home renovation or a car repair or even an investment if you know how to make your money really work for you. But you always want to stick with traditional financing. To do that, you need good credit.

Get a High Credit Limit To Increase Your Cash Flow

Generally, as you demonstrate you can pay your bill on time, your creditors will increase your credit limit. But, a credit card issuer will check your credit score before increasing your credit limit. Bad credit history might get your credit limit cut hurting your credit score even more by raising your credit utilization.

Avoid Security Deposits on Major Expenses

These deposits are sometimes $100 to $200 and a huge inconvenience when you’re relocating. You may not be planning to move soon, but a natural disaster or an unforeseen circumstance could change your plans. A good credit score means you won’t have to pay a security deposit when you establish utility service in your name or transfer service to another location

How Our Credit Repair Works


3Cipher receives your call.  Our team performs a full analysis of your credit history, challenges the damage you disagree with, and sets you up with a plan to build positive credit.


The credit bureaus investigate the challenges received and press your creditors to defend the items they placed in your history that you disagree with. During this period, you will be implementing our plan for building the necessary credit to boost your credit score.


The credit bureaus release new credit reports to show the changes made. Your account at 3Cipher is updated with a progress report showing the overall changes. New challenges are released.

Services that are tailored to your needs

When you work with 3Cipher, you will receive one of the most aggressive credit services available, but one size does not fit all. So here are the different levels of credit assistance to fit your personal situation.

3Cipher Credit Repair Services Polish Remodel Clean Slate
Challenges to the 3 Credit Bureaus

Unlimited Challenges to the 3 Credit Bureaus

Score Analysis

Creditor Interventions

Score Tracker

Inquiry Targeting

Experian Monitoring

Cease & Desist Letters

Inaccurate Items

Our Results

You’re approved! After our award-winning service, our customers were more eligible for the credit they deserved.


Approved for Auto Loans


Approved for Home Loans


Approved for New Credit


Approved for Refinancing

Schedule A Free 30-Minute Consultation

Our Financial Expert Advisor will personally reach out to answer all of your questions.

Schedule a free 30-Minute Consultation

Our Financial Expert Advisor will personally reach out to answer all of your questions.

Our Support and Sales Team is available 24/7 to answer your queries

Our Support and Sales Team is available 24/7 to answer your queries

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