Credit repair is the process of removing negative items from all three of your credit reports, such as collections, charge-offs, late accounts, repossessions, bankruptcies, evictions, etc. After removing these items, we strengthen your credit profile by adding positivity to increase the age, number of accounts, account mix, and spending limits. Combining these two tactics maximizes your credit scores and increases your approvability so you can get approved for anything, including credit cards, mortgages, auto loans, business funding, and more.
Any negative item can be removed, including collections, charge-offs, late accounts, hard inquiries, bankruptcies, repossessions, child support, evictions, negative public records, and more.
Every credit profile is different, depending on the number and type of negative items on your reports. Typically, credit repair takes anywhere from 30 days to 6 months. In some cases, we’ve removed all negative items in less than 30 days. Usually, you will see negatives falling off your report within the first 30 days. Each case depends on the credit bureaus and government agencies handling the removals. Here’s what happens once you sign up:
Sometimes multiple levels of removal demands are needed, but our Legal Team sends each level immediately, ensuring no additional time is wasted.
If we cannot or do not remove any negative items from your credit reports within the first 120 days, we will issue a full refund—no questions asked.
Getting started is simple. Once you checkout, you’ll receive a link to our Secure Document Upload. Our Legal Team uses myFICO Premium and Experian.com Free plan to analyze your credit reports and draft removal demands. Simply set up a MyFICO Premium Plan and Experian.com Free plan, then upload your documents using our secure link. We’ll handle the rest. A step-by-step guide will also be sent once you sign up.
Yes, your data is ONLY used by the Legal Team to process your removals, and no one else has access. OWA does NOT share, sell, rent, or lease your personal data to third parties under any circumstances. Your information is used solely for the outlined purposes. All data stored by OWA is protected using AES-256 encryption, selected by the U.S. government for classified information. Data is stored temporarily and deleted immediately after services are completed, canceled, or upon request. You can request permanent deletion at any time by contacting us directly.
All three credit bureaus—Experian, TransUnion, and Equifax—will be repaired simultaneously. These are the only bureaus that report credit information in the U.S.
NO. Never pay your collections. Paying your collection verifies the debt. Even if you pay off the collection in full, it usually doesn’t get removed from your credit report—it simply shows as paid in full, doing nothing for your score. Our Legal Team will completely remove the collection, and you won’t have to pay the collection agency a dime.
OWA has partnered with reputable tradeline companies to guide you through the credit-building process after negative items are removed. While we do not directly provide tradelines, we will walk you through the process to maximize your credit score and bring positivity to your account.
YES. As a U.S. citizen with a credit report, your credit is protected by laws like the FCRA, Consumer Protection Laws, FCBA, and TILA. These laws ensure the legitimacy of our actions. Our Legal Team, including Esquires and Consumer Protection Attorneys, ensures compliance and effectiveness in the removal process.
Yes, our goal is for you to confidently apply for anything and be approved. Combining negative removals with strengthening your credit profile through positive accounts maximizes your chances of approval significantly.
Yes, removals are permanent. Occasionally, creditors may attempt illegal reinstatements, but this is ILLEGAL. Once deemed removable, items cannot legally reappear. Our Legal Team handles any reinstatement attempts immediately, ensuring the bureaus block future attempts. Creditors can be fined $2500 per illegal reinstatement and risk losing their ability to report entirely. Don’t worry, we have you covered—reinstatements rarely occur.
Yes, late payments can absolutely be removed. For closed accounts with late payments, we remove the entire account, effectively eliminating all associated negativity. For open or active accounts with late payments, we first attempt to remove individual late payments to keep the account on your report—this has around a 60% success rate and is the only aspect we cannot fully guarantee. Have we successfully removed late payments while keeping the account open? Absolutely, many times—it primarily depends on the creditor. If individual late payment removals are unsuccessful, we’ll recommend closing the account, allowing us to remove the entire account and eliminate the negative history entirely.
0% interest business funding is the process of getting high-limit business credit at 0% interest for the first 12-18 months through a variety of banks. We’ve partnered with major banks like Chase, Citizens, M&T, Truist, Amex, and more to get you approved for the maximum amount of funding possible. Total approval amounts range anywhere between $50,000- $250,000. We obtain approvals through multiple rounds from several banks to secure the amount you need. The best part is business credit does not report to your personal credit, so maxing out cards or even late payments won’t show on your personal credit report. This means you can still qualify for mortgages, personal loans, and auto loans without being impacted.
All you need is a registered business that’s at least a few months old. Our funding is entirely no-doc, meaning no proof of income, bank statements, or business taxes are required—just a registered business and an EIN. If you don’t have a business, we can help you set one up and prepare it for funding.
Yes, if you don’t have a business yet, we can help you establish one or provide you with an aged corporation ready for immediate funding.
Yes. You do not need any revenue or business income. Our business funding is entirely no-doc, so bankers won’t ask for bank statements, business taxes, or proof of income. Approval is based solely on the strength of your personal credit score.
A general rule is for every $10,000 spent in business credit, your minimum monthly payment is $100 (1% of the balance). For example, if you receive $100,000 in funding, your monthly minimum payment will be around $1,000. You pay no interest, and all payments go directly to your principal balance. Plus, since the credit is revolving, each payment immediately frees up credit to use again. Therefore, every dollar you pay back is available for you to use as soon as the payment posts.
Yes, a strong personal credit score is required for qualification. If your score isn’t strong enough, start with our credit repair program first. We’ve successfully improved clients’ scores from as low as 400 to over 750, enabling them to qualify for funding. Generally, you’ll need no negative items, a solid number of accounts, and credit card utilization under 30%.
We only need your Articles of Incorporation, EIN letter, and identifying documents to submit your file to our bankers.
We have personal connections with business bankers at over 25 major banks, institutions, and credit unions. After receiving your documents, we’ll optimize your credit and business profile for lending. Once optimized, we’ll introduce your file to our bankers. The entire process is done for you; you might only need to take a verification call from our banker.
We charge 10% of the total funding amount approved, taken from the back-end. If you don’t receive funding, you pay nothing. The fee comes directly out of the funding you receive.
We remove all hard inquiries before, during, and after the funding process to keep your credit file in optimal shape. This helps your application process significantly, as each application will appear fresh with no inquiries. By the end, you’ll have no remaining inquiries from the funding applications.
No. Business credit does not report to your personal credit reports at all. High utilization or late payments on the business side remain completely invisible to personal bureaus. Additionally, we remove all hard inquiries from the funding applications to further protect your personal credit.
We recommend starting with our credit repair program. We’ll quickly improve your score, getting you to the necessary level to qualify for business funding as soon as possible.
