Three Ways to Fix Your Credit . Pick the One That Matches Your Pockets and Your Patience
No overwhelm. No confusion. Score Surge gives you real options that actually move your score — whether you want to do it yourself or let us handle everything. Your credit journey starts here, on your terms.
Start DIY – Just $29.99
Let's Be Honest… Bad Credit Is Exhausting
You know the feeling. Every application becomes an interrogation. Every "we'll get back to you" sounds like a soft no. High interest rates that make everything cost double. The embarrassment when you have to explain why you can't co-sign, can't qualify, can't move forward.
Constant calls from collectors. Watching friends buy homes while you're stuck renting. Paying more for car insurance because of a number on a report. Getting passed over for jobs because employers check credit now.
Bad credit keeps your life expensive. Let's fix that.
The Reality Check
Bad credit doesn't fix itself. It follows you into every application, every opportunity, and every "I'll handle it later" moment. The longer you wait, the more it costs you in higher rates, denied opportunities, and missed chances.
But Here's the Truth
This isn't about shame or blame. This is your wake-up call — not to scare you, but to free you. Right now, your credit is costing you money, peace of mind, and options. Tomorrow doesn't have to look like today.
Here's the Good News: You're Not Stuck
Score Surge exists because fixing credit shouldn't require a law degree or a trust fund. We've built three distinct paths to better credit. Each designed for real people with real budgets and real lives.
DIY Credit Repair for those who want control and want to save money. Priority List for those waiting on tax refunds who need work started now. Monthly Repair for those who want professionals handling the heavy lifting while they focus on life.
No judgment. No pressure. Just honest options that match where you are right now. Your credit story doesn't end with a bad score , it starts fresh with the right plan.
Choose Your Path to Better Credit
DIY Credit Repair
For the I-got-it crowd $29.99
Get everything you need to dispute errors yourself: AI-powered credit report scan, full credit pulls from all three bureaus, proven dispute letter templates, and a step-by-step guide that walks you through the entire process.
Perfect for: Self-directed individuals on a tight budget who want to learn the system and take control of their own credit repair journey.
Priority List
Pay with your tax refund $299 later
Join before the deadline, we start your 6-month comprehensive repair immediately, and you pay nothing until your tax refund arrives. We handle disputes, negotiations, and all communication while you wait for your refund to clear.
Perfect for: Anyone expecting a refund who needs major credit cleanup but doesn't have cash on hand right now. Time-strapped people who need experts working immediately.
Monthly Repair
Full-service support $49 or $79/month
You relax while our team handles disputes with all three bureaus, CFPB escalations, Check Systems challenges, direct creditor negotiations, and monthly progress reports. Professional representation fighting for your credit rights.
Perfect for: Complex credit situations, busy professionals, anyone who wants certified experts managing every detail of their credit repair without lifting a finger.
Still Not Sure? Here's Your Quick Decision Grid
Match your situation to the right plan in under 10 seconds. No wrong choice just the right fit for where you are today.
I want to fix it myself
You're organized, motivated, and ready to learn. You want to save money and understand exactly how credit repair works.
I want help, but I'm waiting on my refund
Tax season is coming and you know money is on the way. You need work started now but can't pay until that refund hits your account.
I want professionals handling everything
Your time is valuable and your credit situation is complicated. You want experts fighting for you while you focus on work, family, and life.
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Not Ready for Full Credit Repair? Start with This Free Guide
Learn how credit repair works, what to dispute, and how to read your credit report for free.
Good Credit Doesn't Just Raise Your Score. It Raises Your Quality of Life
This isn't about bragging rights or a trophy score. This is about reclaiming control over your financial future and unlocking doors that have been closed for too long.
Actually, Get Approved
Stop hearing "no" on credit cards, car loans, and mortgages. Good credit means you qualify for what you need.
Lower Interest Rates
Save thousands over the life of a loan. Better credit means better rates, which means more money in your pocket.
Rent Your Dream Place
Landlords check credit. Good credit gets you approved for better apartments in better neighborhoods without hassle.
Better Job Opportunities
Many employers check credit for financial roles. Don't let your score hold you back from career advancement.
Buy Your First Home
Homeownership isn't a fantasy. Good credit makes it possible to build equity instead of paying someone else's mortgage.
Stop the Harassment
Clear negative items and the collection calls stop. Peace of mind is priceless when your phone isn't ringing off the hook.
Lower Car Insurance
Most people don't know credit affects insurance rates. Better credit means lower premiums every single month.
Access Emergency Credit
When life happens, good credit gives you options. Get approved for the credit you need when unexpected expenses hit.
Build Business Credit
Want to start a business? Personal credit matters first. Fix yours, then leverage it to fund your entrepreneurial dreams.
Sleep Better at Night
Financial stress affects everything. Good credit means fewer worries, more confidence, and actual peace of mind.
Good credit isn't about bragging , it's about having options.
Your Credit Report Isn't Complicated .
Here's What Actually Matters
Understanding your credit report is the first step to fixing it. Let's break down the five sections that make up your report and the five factors that calculate your score. Knowledge is power, and transparency builds trust.
What's On Your Credit Report
01
Personal Information
Your name, addresses, social security number, and employment history. Errors here can lead to mixed files.
02
Credit Accounts
Every credit card, loan, and line of credit you've ever had. This is where payment history lives.
03
Credit Inquiries
Hard pulls from lenders when you apply for credit. Too many can temporarily lower your score.
04
Public Records
Bankruptcies, tax liens, and civil judgments. These are the heavy hitters that damage scores significantly.
05
Collections
Accounts sent to collection agencies for non-payment. These need aggressive dispute strategies to remove.
How Your Score Is Calculated
  • Payment History (35%) — The biggest factor. Late payments kill scores.
  • Amounts Owed (30%) — How much you owe vs. your credit limits. Keep balances low.
  • Length of History (15%) — Older accounts help. Don't close your oldest cards.
  • New Credit (10%) — Recent applications and new accounts. Apply strategically.
  • Credit Mix (10%) — Variety matters. Cards, loans, mortgages all help your mix.

Bottom line: Your score isn't emotional, it's math. And we know exactly how to move the numbers in your favor.
Receipts Hit Different When They're Yours
These are real results from real clients. Names and identifying details are anonymized to protect privacy, but the outcomes speak for themselves. These aren't cherry-picked success stories, this is what happens when you commit to the process.
"I went from 540 to 680 in five months. I finally got approved for an apartment in a safe neighborhood."
"The DIY option saved me money and taught me how credit actually works. Best investment I made all year."
"I joined the Priority List in January, paid with my refund in March, and by summer my score was up 90 points."
Results are anonymized per client privacy agreements. Real clients. Real outcomes. Your results will vary based on your unique credit situation, but our proven process gives you the best chance at meaningful improvement.
Facts & Questions
You've got questions. We've got answers. No sales pitch, no runaround just honest information so you can make the best decision for your situation.
How long does credit repair take?
Most clients see results in 30-90 days, with significant improvements within 3-6 months. Complex cases can take longer. Credit bureaus have 30 days to respond to disputes, so we work in cycles.
Can everything be deleted from my report?
No one can guarantee deletions, and anyone who promises that is lying. We challenge inaccurate, unverifiable, or outdated items under FCRA guidelines. If bureaus can't verify, items get removed.
How does the Priority List refund payment work?
You join before the deadline, we start work immediately, and you pay nothing upfront. When your tax refund arrives (typically Feb-April), you pay the $299 fee from that refund. If no refund comes, we work out a payment plan.
Is credit repair legal and safe?
100% legal. The Fair Credit Reporting Act (FCRA) gives you the right to dispute inaccurate information. We're not hacking systems or doing anything shady — we're using federal law to protect your rights as a consumer.
What happens after I sign up?
DIY clients get instant access to tools and guides. Priority List clients get onboarded and work begins immediately once tax return has been funded. Monthly Repair clients get a welcome email, credit pull, and dispute letters sent within 7 business days.
Can I build business credit too?
Yes, but personal credit comes first. Most business credit requires good personal credit as a foundation. Fix your personal score first, then we can help you establish business credit using vendor accounts and trade lines.
Still have questions? That's completely normal. Credit repair is a big decision. Reach out and we'll give you straight answers no pressure, no pitch, just information.
Compliance Note: Score Surge is not a law firm, credit bureau, or financial advisor. We provide tools and services to help you challenge inaccurate or unverifiable information on your credit report in compliance with the Fair Credit Reporting Act (FCRA). Results vary based on individual circumstances. We make no guarantee of score increases or deletions. All services are provided for informational and advocacy purposes under federal consumer protection laws.