How fast can credit repair improve my score?

Most clients see improvements within 28 days. Credit repair results vary based on your unique situation, but our proven process typically removes negative items and boosts scores by 50-150 points.

Is credit repair legal?

Yes, credit repair is 100% legal under the Credit Repair Organizations Act (CROA). You have the legal right to dispute inaccurate, outdated, or unverifiable information on your credit reports.

How much does credit repair cost?

Our credit repair services start at $99/month with flexible payment plans. We offer basic, professional, and elite packages to fit every budget and credit situation.

What items can be removed from my credit report?

We can help remove late payments, collections, charge-offs, bankruptcies, repossessions, foreclosures, and other negative items if they are inaccurate, unverifiable, or outdated.

Build Stronger. Boost Faster. Score Higher.

Professional workplace and business environment

ABOUT US

Professional Services

We specialize in credit repair and financial consulting services. Our expert team is dedicated to helping you build stronger credit, boost your score faster, and achieve your financial goals with proven strategies and personalized guidance.

Why Choose Our Credit Repair Services?

Professional credit restoration experts helping thousands improve their credit scores and achieve financial freedom

Proven Credit Repair Results

Average 120-point FICO score increase in 28 days. Remove late payments, collections, charge-offs, and bankruptcies from Equifax, Experian, and TransUnion reports.

Fast Credit Restoration

Our aggressive credit repair process delivers results faster than competitors. Most negative items removed within 30-60 days with our proven dispute strategies.

100% Legal Credit Repair

Fully compliant with FCRA, CROA, and FDCPA regulations. BBB Accredited credit repair company with certified credit specialists handling your case.

No Upfront Fees

Pay only for results. Transparent pricing starting at $99/month for credit repair services. Cancel anytime with our money-back satisfaction guarantee.

Personal Credit Consultant

Dedicated credit repair expert analyzes your credit report, creates custom dispute letters, and provides monthly progress updates on score improvements.

All 3 Credit Bureaus

Comprehensive credit repair disputing inaccurate information with Equifax, Experian, and TransUnion. Complete credit monitoring included.

Professional Credit Repair Company - Fast & Affordable

Looking for legitimate credit repair services near me? Ficus Credit is Atlanta, Georgia's top-rated credit repair company serving clients nationwide across all 50 states, including GA, Alabama, Tennessee, South Carolina, North Carolina, and Florida. We specialize in fast credit score improvement, and our certified credit repair specialists have helped over 10,000 clients remove negative items, fix credit report errors, and boost FICO scores by an average of 120 points.

Our proven credit restoration process works with all three major credit bureaus (Equifax, Experian, TransUnion) to dispute inaccurate information, remove late payments, eliminate collections, and challenge charge-offs. Whether you're dealing with bad credit repair needs, bankruptcy recovery, or simply want to improve your credit score for better loan rates, our expert team delivers results.

As a BBB Accredited credit repair service, we follow all FCRA and CROA regulations while providing transparent pricing with no hidden fees. Get started with a free credit consultation and discover why we're rated 4.9 stars by over 250 satisfied clients. Call (404) 994-0766 today for fast credit repair that actually works!

Interactive Tool

Credit Score Simulator

See how different actions could impact your credit score

Your Scenario

Current Credit Score

Pay Off Debt: $0

Hard Inquiries: 0

On-Time Payments (months): 0

Credit Utilization: 50%

Open New Loan/Credit

Projected Impact

Current Score

650

Projected Score

650

0

Points Impact

PoorFairGoodExcellent

Ready to improve your credit score for real? Let our experts guide you.

*This simulator provides estimates based on general credit scoring factors. Actual results may vary based on your complete credit profile. Consult with our experts for personalized advice.

Fix Your Credit Today

With our proven process, you'll receive expert support every step of the way, from identifying and challenging inaccuracies to strengthening your overall credit profile.

Results in 28 Days

Expert Support

Proven Process

Getting Started is Easy:

1

Choose your plan

2

Submit your information

3

Sign up with our credit monitor

Choose Your Plan

Select the payment option that works best for you

One Time

$750

3-Month Discount Plan

Exclusive reduced pricing for a three-month commitment. Designed to deliver consistent value, cost savings, and reliable service.

One-time payment
3 months of service
Exclusive discount
Priority support

Monthly

$175/mo

Standard Monthly Plan

Flexible month-to-month service with no long-term commitment. Perfect for those who want consistent progress.

Monthly billing
Cancel anytime
Full service access
Expert guidance

Bi-Weekly

$87.50/2 weeks

Discounted pricing with service every two weeks. Success isn't overnight—it's biweekly. Stay consistent, stay committed.

Bi-weekly billing
Steady progress
Cost-effective
Regular updates

Our Services

Comprehensive consulting solutions tailored to your business needs

Project Management Consulting

Achieve smooth execution, on-time delivery, and superior outcomes with our structured project management expertise.

End-to-end project planning
Risk and resource management
Workflow optimization
Quality assurance and reporting

Business Loan

Fast and flexible funding solutions to help your business grow. Get the capital you need with competitive rates and quick approval.

Up to $50,000 in funding
Quick approval process
Flexible repayment terms
No hidden fees

Business Consulting

Strategic consulting services designed to empower entrepreneurs with actionable insights for sustainable growth.

Business startup guidance
Process improvement
Financial structuring
Market positioning

Personal Loan

Get the financial support you need for personal expenses, debt consolidation, or unexpected costs with our flexible personal loan options.

Borrow up to $35,000
Fast approval in 24 hours
Flexible payment plans
Low interest rates

Card Issuer Services

Premium branded prepaid card solutions that help you build credit while managing your finances with style and control.

Branded prepaid cards
Credit building opportunities
No annual fees
Instant approval process

Mortgage Loan

Secure your dream home with competitive mortgage rates and personalized loan options. We guide you through every step of the home buying process.

Low down payment options
Competitive interest rates
Pre-approval in 48 hours
Expert mortgage advisors

Real Estate Development

High-value real estate and business development opportunities connecting sophisticated investors with exceptional projects across the US and international markets.

Commercial & residential projects
Global investment portfolio
Transparent operations
Expert management team

What Our Clients Say

Real stories from people who transformed their credit with us

"My credit score was 480 when I started with Ficus. I had collections, late payments, and felt hopeless. Within 6 months, they helped me dispute inaccuracies and my score jumped to 680. I just got approved for a business loan I never thought possible!"

Marcus Johnson

Small Business Owner, Atlanta

Fast & Easy

Get the Funding You Need

Get fast access to funds—apply in minutes and secure up to $50,000 with a simple, stress-free process.

Apply in Minutes

Up to $50,000

Fast Approval

Secure Process

FICUS

CREDIT

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Cardholder

Ficus Member

Expires

12/28

$100BONUS

Introducing the
Ficus Prepaid Card

Manage your money smarter. Get $100 back as a bonus when you sign up today!

$100 Sign-Up Bonus

Get $100 back when you sign up

Build Your Credit

Report to all 3 credit bureaus

No Annual Fee

Competitive rates & rewards

*Terms and conditions apply. See website for details.

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Frequently Asked Questions

Everything you need to know about credit repair

Still have questions?

Our credit specialists are here to help you 24/7

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