What looks overwhelming to you is our every-day normal, and we know how to help you get out of that stuck place! We’ve seen it all, and you’ll be amazed how quickly things can turn around. Call or email us to set up your free consultation - we’ll take a look and tell you all the possibilities we see for you!

bSquared Credit believes in empowering our clients to become experts on their own credit, and our track record speaks for itself. We’re transparent, communicative, and aim to EDUCATE you while we repair your credit scores so that you NEVER wind up in a dire situation again. We’re fast, effective, and good at what we do – delivering double the industry average in negative deletions in half the time. Our reputation speaks for itself – read our client testimonials here! read what our past clients have to say!

Yes, credit repair is legal and our credit education and document processing services will help you to use the law in your favor. That law is called "The Fair Credit Reporting Act." The FCRA gives you the right to dispute any item on your credit report. If that item cannot be verified within a reasonable time (usually 30 days) it must be removed. Studies have shown that 79% of all credit reports contain errors. This is nearly 8 out of 10 reports. Therefore most credit reports improve immediately. For items that are disputed that are not errors, a creditor or furnisher is often unable to find the records or signed documents within the allotted time and the item gets removed. Sometimes the furnisher will say it has been verified by not offering proof. It is our job to prepare documents that challenge this and we are very skilled at that.

Contrary to what credit bureaus want you to believe, credit training does work in most circumstances. But it only works if you are getting the best advice from an experienced professional. Anyone with a credit score below 720 can benefit long-term from the advice and information provided through credit education. However, there are limiting factors that will prevent us from helping you. Two main factors are: (1) your financial situation and/or (2) the time frame in which you need to reach your results. It is possible to remove anything from a credit report, even accurate items. For instance, if the creditor makes mistakes or does not adhere to the specific time frame, the negative item may be removed.

We will guide you through the process from start to finish and prepare all your documents for you. We have a superb knowledge of credit scoring and experience working with creditors and credit bureaus. It may be difficult for an individual to communicate with creditors and bureaus without an adept understanding of their techniques and regulations in place for credit reporting. We have spent a great deal of time learning the laws that will help you to remove negative information on your report, which enables us to offer you our expertise in getting you the results you desire.

Items cannot come back as long as the item is current or paid at the time of removal or if the collection is older than three years. This holds true except in very rare circumstances.

With our assistance and document processing, our clients have had great success with bankruptcies, foreclosures, collections, charge-offs, repossessions, medical bills, credit card debt, inquiries, late payments, old addresses, judgments, tax liens and student loans.

We set very realistic expectations during your free consultation, and we only enroll clients in our services that we are confident will see results. We have an average deletion rate of 80% - the industry average is around 40%. As a small business, our clients mean the world to us – we succeed when you succeed, period.