671
Average
Credit Rating
Ready to improve your credit?
We'll handle everything
Start risk-free with our
90 day money-back guarantee.
Pay once.
We do the work.
You save for years.
Credit repair done for you
We handle everything. That means no guesswork, no learning curve, and no chance of costly mistakes. You get real results without spending any time, effort, or energy.
What's your objective?
Home
Improving your credit means lower monthly payments and higher chances of getting approved for the mortgage or rental you want. Even small score increases can translate into significant savings and more options.
Auto
Whether for personal or business use, better credit makes buying a car easier, cheaper, and a lot more fun. With a stronger score, you get lower APRs, better terms, and more dealerships willing to approve you.
Credit
A strong credit score equals higher limits and lower interest rates. Whether you’re building personal credit or expanding your business, clean credit opens the door to more liquidity and stronger financial leverage.
See how much your credit score really costs you
Click the colored bars to see the different score ranges.
What credit repair includes
We challenge inaccurate items with creditors and all three credit bureaus to improve your credit profile.
✅ Collections
We dispute outdated or inaccurate collection accounts to reduce their impact on your score.
✅ Chargeoffs
We target reporting errors and missing documentation to correct or remove chargeoff accounts.
✅ Reposessions
We challenge repossessions with incorrect or unverifiable data to lessen their damage.
✅ Late Payments
We correct wrong dates or unverifiable late payments that may be lowering your score.
✅ Personal Info
We verify and correct your personal information to make sure you aren't a victim of fraud.
✅ Liens
We challenge inaccurate or outdated lien reporting to improve your credit profile.
✅ Foreclosures
We dispute foreclosures tied to incomplete or incorrect records to fix reporting issues.
✅ Judgements
We check all judgment data and remove reports that are outdated or unverifiable.
✅ Inquiries
We dispute unauthorized or unverified hard inquiries that hurt your credit.
✅ Balances
We fix incorrect balance reporting to ensure your utilization is accurate.
✅ Student Debt (Pro)
We challenge inaccurate, outdated, or unverifiable student loan reporting to help restore your score.
✅ Bankruptcy (Pro)
We dispute reporting errors and outdated information on past bankruptcies to ensure your credit reflects what’s truly accurate.
It's easy to get started
Just follow a few simple steps.
Sign up
Enroll in minutes from your phone or computer.
Upload docs
Send in the required documents so we can open your file.
Relax
Grab a coffee. Your account is set up, and we take it from here while keeping you updated. Track your progress anytime from your dashboard through our app or website.
Worth every dollar
"I hesitated because I thought credit repair would be too expensive or complicated, but it turned out to be the best investment I’ve made this year. My credit cards were approved within months and I’m finally in control of my finances again."
Robert M
Easy and stress-free
"From day one, they made everything simple. Communication was great, updates were consistent, and I always knew what was happening. For the first time, I felt like someone was actually fighting for my credit."
Tasha H
Effortless results
"They made the entire process effortless. They handled everything quickly and professionally, and I saw real improvements faster than I expected. I recommend them to anyone who wants better credit without the stress or confusion."
Troy A
Transparent process
"I’ve worked with other credit repair companies before, and none of them explained things as clearly as this team. They were transparent about every step and actually delivered results. My credit score went from the 500s to the 700s, no empty promises, just progress."
James P
Your peace of mind assured
We are committed to helping you reach your financial success without stress.
That's why we offer a 90-day money-back guarantee. See Terms
Frequently Asked Questions
What is credit repair?
Credit repair is the process of identifying and disputing inaccurate or outdated information on your credit report. The objective is to remove negative items that shouldn’t be there and help improve your overall credit score.
Is credit repair legal?
Yes. The Fair Credit Reporting Act (FCRA) gives you the legal right to dispute any inaccurate or unverifiable information on your credit report. We help you exercise that right.
How long does credit repair take?
Expect results within 30 to 45 days, but full credit repair can take three to six months, depending on the number of items being disputed and how quickly the credit bureaus respond.
Can I repair my credit on my own?
Yes. This isn’t for you if you have the time, patience, and interest to learn credit repair. Clients use us because they need to focus their effort elsewhere, want to avoid mistakes, and need everything handled from start to finish.
Begin your credit upgrade today
Fill out the form below to get started.
© LTV Credit. Powered by American Marketing Systems, LLC. All rights reserved.
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Terms of Service
Welcome to American Marketing Systems, LLC (“Company,” “we,” “our,” or “us”). These Terms of Service (“Terms”) govern your access to and use of our website [https://www.ltvcredit.com] (the “Site”) and any services, products, digital content, or software provided by us (collectively, the “Services”).
Please read these Terms carefully before using our Services. By accessing or using our Services, you agree to be bound by these Terms and our Privacy Policy. If you do not agree, do not use our Services.
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1. Use of Services
You may use our Services only in accordance with these Terms and all applicable laws. You agree not to:
• Use the Services for any unlawful, fraudulent, or unauthorized purpose
• Copy, modify, or distribute any content from the Site without our written consent
• Interfere with or disrupt the operation of the Site or servers
• Attempt to gain unauthorized access to any portion of the Site or Services
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2. Eligibility
By using the Services, you represent and warrant that you are at least 18 years old and have the legal capacity to enter into a binding contract.
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3. Intellectual Property
All content on the Site, including text, graphics, logos, icons, images, audio clips, digital downloads, and software, is the exclusive property of American Marketing Systems, LLC or its licensors and is protected by U.S. and international copyright, trademark, and other intellectual property laws.
You may not reproduce, republish, or exploit any part of our content without express written permission.
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4. Client Projects & Results
Marketing outcomes vary by industry, audience, and budget. We make no guarantees regarding performance or ROI. All results depend on factors beyond our control including algorithms, market trends, and client adherence to strategy.
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5. Payment & Billing
Unless otherwise agreed upon in writing, all payments for Services must be made in full in advance or according to the terms outlined in your contract or invoice. Late payments may be subject to interest or suspension of Services.
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6. Third-Party Tools & Services
We may provide access to third-party tools or services (such as analytics platforms, advertising networks, or software integrations) that we do not own or control. Use of such tools is subject to the terms of those providers, and we are not liable for their actions or failures.
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7. Termination
We reserve the right to suspend or terminate your access to the Services at any time, for any reason, without notice, including for violations of these Terms.
You may stop using the Services at any time. Termination does not relieve you of any obligations or fees incurred prior to the termination date.
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8. Disclaimers
All Services are provided “as is” and “as available.” We make no warranties, express or implied, regarding the operation of the Site or the accuracy, reliability, or completeness of any content.
To the fullest extent permitted by law, we disclaim all warranties, including but not limited to warranties of merchantability, fitness for a particular purpose, and non-infringement.
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9. Limitation of Liability
To the maximum extent permitted by law, American Marketing Systems, LLC shall not be liable for any indirect, incidental, consequential, or punitive damages arising from or related to your use of the Services.
Our total liability for any claim related to the Services shall not exceed the amount paid by you in the 90 days prior to the claim.
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10. Indemnification
You agree to indemnify, defend, and hold harmless American Marketing Systems, LLC, its owners, officers, employees, and affiliates from and against any claims, liabilities, damages, losses, and expenses—including reasonable attorneys’ fees—arising out of or related to your use of the Services, violation of these Terms, or infringement of any third-party rights.
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11. Modifications
We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting to the Site. Your continued use of the Services after any change constitutes your acceptance of the new Terms.
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12. Governing Law
These Terms shall be governed by and construed in accordance with the laws of the State of [Insert State], without regard to its conflict of laws principles.
Any disputes shall be resolved exclusively in the state or federal courts located in [Insert County, State], and you consent to personal jurisdiction and venue therein.
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13. Contact
If you have any questions about these Terms, please contact us at: [email protected]
Privacy Policy
American Marketing Systems, LLC (“Company,” “we,” “us,” or “our”) respects your privacy and is committed to protecting the personal information you provide to us through our website [https://www.ltvcredit.com] (the “Site”) and our associated services (the “Services”).
This Privacy Policy explains how we collect, use, disclose, and protect your personal information.
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1. Information We Collect
We may collect the following types of information:
a. Information You Provide Directly
• Name, email address, phone number, company name, and other contact details
• Payment or billing information (if applicable)
• Messages, inquiries, or feedback you send us
b. Information Collected Automatically
When you use our Site, we may automatically collect:
• IP address
• Browser type
• Pages visited
• Referring website
• Time and date of visit
• Clickstream data
• Device type and settings
c. Cookies & Tracking Technologies
We use cookies, pixels, and similar technologies to enhance your browsing experience, understand usage patterns, and serve targeted advertising.
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2. How We Use Your Information
We use the information we collect to:
• Provide and manage our marketing services
• Respond to inquiries and provide customer support
• Improve our website, content, and user experience
• Send newsletters, updates, or promotional materials (with your consent)
• Analyze user behavior and trends
• Detect and prevent fraud or misuse
• Comply with legal obligations
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3. Sharing of Information
We may share your information in the following cases:
• With service providers who assist in delivering our website or services (e.g., hosting, analytics, email delivery)
• With third-party marketing tools (e.g., Google Analytics, Meta Pixel) to help us understand how visitors interact with the Site
• In connection with a business transfer (e.g., merger, sale, or acquisition)
• When required by law (e.g., court order, subpoena)
• With your consent or at your direction
We do not sell your personal information.
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4. Your Choices
You can:
• Opt out of marketing emails at any time by clicking “unsubscribe” in the email
• Disable cookies via your browser settings
• Request access, correction, or deletion of your personal information (where applicable by law)
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5. Data Security
We use reasonable technical and organizational safeguards to protect your data. However, no method of transmission or storage is 100% secure, and we cannot guarantee absolute security.
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6. Third-Party Links
Our Site may contain links to third-party websites. We are not responsible for their privacy practices. We encourage you to review their privacy policies before sharing any personal information.
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7. Children’s Privacy
Our Services are not intended for children under the age of 13. We do not knowingly collect personal information from children.
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8. Your Rights (California & EU Visitors)
California Residents (CCPA)
You have the right to:
• Know what personal data we collect
• Request deletion of your data
• Opt out of data selling (we do not sell your data)
To exercise your rights, contact us at: [Insert contact email]
EU Residents (GDPR)
You have the right to:
• Access your data
• Correct inaccurate data
• Request erasure
• Object to processing
• Data portability
Legal basis for processing your data includes your consent, performance of a contract, and legitimate business interests.
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9. Changes to This Privacy Policy
We may update this Privacy Policy from time to time. Changes will be posted here and noted with a revised “Last Updated” date. Continued use of our Site constitutes your acceptance of those changes.
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10. Contact Us
If you have any questions about this Privacy Policy or wish to exercise your rights, please contact: [email protected]
90-Day Money-Back Guarantee
The goal of our service is to challenge and remove questionable negative information from your credit reports. Credit repair is not an exact science, and results can vary, which is why we offer a 90-day money-back guarantee. If no questionable negative items are removed from your credit within 90 days, you may request a full refund.
Please note this does not mean your credit will be fully repaired in 90 days, only that you should see at least some questionable items deleted, or you get your money back. To request a refund, contact your service specialist by phone so we can verify your identity. This guarantee applies only when all terms and conditions below are met.
Eligibility for a refund does not start until day 90. You must be an active participant in the program for 90 days. Cancellation or failure to pay during the initial 90 days of the program is a void of this guarantee.
That you do not create or cause any new derogatory trade lines to be added to your credit report after your participation in the applicable program begins;
You make all payments due and owing to Our Company per this agreement in a timely manner.
You mail, fax or email Our Company proof of your identity such as a copy of driver’s license and copy of social security card within five (“5”) days of the effective date of this agreement.
You agree to give Our Company thirty (“30”) days from the date you have requested a refund to allow Our Company adequate time to review your credit bureaus and audit your account to verify that no negative items have been removed from your account and to ascertain the reason for this occurring.
Refund audits must be requested between 91 and 120 days from the receipt of your first payment which activates your account. If you choose to continue in the program beyond 120 days, you waive the right to request a refund.