Yes, it can absolutely be fixed. At ReStart 4 U, we’ve helped clients go from low 400s to

mid-700s by using our proven, proprietary credit repair strategies. Credit reports are not

static—they’re legally required to be accurate, verifiable, and timely. If any item doesn’t

meet these standards, we challenge and remove it. You’re not stuck—you just need the right

team in your corner.

Credit repair is not a magic switch—but with ReStart 4 U, most clients begin seeing results in as

little as 30–45 days, depending on the complexity of the profile. We've engineered a fast-track

dispute process that targets the most damaging items first for quick impact. Some clients even

experience multiple deletions within the first round.

We don’t use cookie-cutter software or passive disputes. ReStart 4 U has over 15 years of

hands-on experience using aggressive yet compliant tactics that actually get results. We

adjust to industry shifts, use proprietary methods tailored to your situation, and we’re

performance-driven—not subscription-based. Our mission is to get you OUT of the

program, not keep you in it.

We hear this a lot—and we get it. Many companies simply send generic letters and hope for the

best. At ReStart 4 U, we dig deeper. We conduct a full audit of your credit reports, analyze

data furnishers, and craft custom legal disputes backed by FCRA, FDCPA, and CFPB

standards. If we take on your file, it’s because we know we can help.

Yes—if it’s inaccurate, outdated, unverifiable, or violates your consumer rights, we can

legally demand its deletion. We’ve successfully removed collections, repossessions, late

payments, charge-offs, foreclosures—even bankruptcies. Every negative item is

approached differently, and we apply the most effective strategy for each.

Absolutely. Credit repair without rebuilding is incomplete. We provide guidance on adding

positive tradelines, secured credit cards, credit builder accounts, and more. We also help

you structure your credit profile to appeal to lenders once your scores rise. Our goal is not

just deletion—but total credit optimization.

Yes, 100%. Under the Fair Credit Reporting Act (FCRA), you have the legal right to dispute

any item on your credit report that’s inaccurate, incomplete, or unverifiable. At ReStart 4 U, we

operate fully within federal and state laws—and our strategies are not only legal, they’re based

on decades of compliance-backed experience.

Yes. Whether you’re just starting out or rebuilding from scratch, we help you establish a strong

credit foundation using positive accounts and reporting tools. Many of our clients go from thin

files to approved financing in under 6 months when following our roadmap.

We work directly with all three major credit bureaus: Equifax, Experian, and TransUnion. Our

strategies are uniquely crafted to handle how each bureau responds and updates their

reporting. We also dispute directly with furnishers and collection agencies for maximum

impact.

ReStart 4 U has been in business for over 15 years with a strong reputation built on results,

transparency, and integrity. We provide clear documentation, updates, and

performance-based proof of progress. We don’t hide behind fine print—we deliver results or

you don’t pay.

Yes. Every ReStart 4 U client gets assigned a dedicated credit expert who will walk you

through every step. You’ll receive regular progress updates, customized recommendations, and

real-time support. We believe in clear communication and client empowerment—not leaving

you in the dark.

We offer affordable packages and a performance-based model—you only pay for results. Our

pricing reflects the value, expertise, and speed we bring to the table. Investing in your credit

now will save you thousands in interest, denials, and missed opportunities later.

Yes. Many of our clients come to us specifically to get qualified for big financial goals. We

reverse-engineer the process to build a credit profile lenders love to approve. Whether you're

trying to buy a home, start a business, or finance a vehicle, we help you get credit-ready and

fundable.

Yes, but it’s simple. We’ll give you a Credit Action Plan with easy-to-follow steps like avoiding

new inquiries, making on-time payments, and adding strategic tradelines. Your success is a

partnership—and we set you up to win.

Our work doesn’t stop at deletions. We help you build strong credit habits, maintain your

improved score, and prepare for future approvals. Many clients stay connected with us

long-term as they move on to homeownership, entrepreneurship, and investing. ReStart isn’t

just about credit—it’s about financial freedom.