Philadelphia has one of the highest poverty rates of any major US city. North Philly, West Philly, Kensington, and Germantown residents face a perfect storm of medical debt, utility collections, and predatory lending that destroys credit. We fix it.
Temple University Hospital and Jefferson Health serve North and West Philadelphia's uninsured population. Large medical bills frequently go to collections, appearing on credit reports for years.
PECO Energy (Philadelphia's electric utility) is aggressive about collections. Disconnections and unpaid balances frequently hit credit reports, especially in lower-income neighborhoods.
The opioid crisis hit Philadelphia harder than almost any other city. Residents affected by addiction — directly or through family members — often have significant financial damage including charge-offs, judgments, and collections.
Temple medical collections and PECO utility debt removed. Approved for $80K.
Payday loan charge-offs and eviction record deleted. Qualified for apartment.
4 collections removed in 45 days. Now runs a barbershop with 3 chairs.
Serves Philadelphia residents. Competitive auto loan rates and personal loans. Strong business banking products.
Serves the greater Philadelphia area. Excellent rates on personal loans and auto financing for members with 620+ scores.
Serves Pennsylvania. Known for working with members rebuilding credit. Lower minimum score requirements.
Serves the Philadelphia metro. Competitive personal loan and auto loan rates. Business accounts available.
Serves Philadelphia metro. Excellent personal loan rates and business banking products for entrepreneurs.
Open to Philadelphia metro residents. Competitive rates on auto loans and personal loans. Business accounts available.
We dispute inaccurate, incomplete, or unverifiable items on your credit report with all three bureaus under the FCRA. Philadelphia residents commonly have medical collections from Temple and Jefferson, PECO utility collections, and payday loan charge-offs.
Yes. PECO Energy utility collections are among the most common items on Philadelphia credit files. We dispute these aggressively and have helped many Philadelphia clients get them removed.
Most Philadelphia clients see their first deletions within 30–45 days. Full credit repair typically takes 60–90 days depending on the number of items on your file.
Yes. Philadelphia has a growing entrepreneurial community. After credit repair, we help Philadelphia entrepreneurs access $50K–$250K in 0% APR business funding.
No. We serve Philadelphia clients entirely remotely via text, email, and phone. No office visit required.