Contact Us

Our team is excited to start helping you take control over your credit score and finances! Contact us with the form below to schedule your free consultation to chat about your credit analysis. We will be in touch right away to answer your questions and get you started.

Get to know us.

We have many years of experience in evaluating credit and guiding consumers to assert their legal rights. We do it every day! We guarantee honesty and dependability, virtues which most people seem to have forgotten. Credit repair firms cannot do anything that you couldn't do yourself, but we can help you to achieve results in a fraction of the time without making costly errors. Thank you for your time and God Bless.

904-568-1399 Direct

Charles@PerformanceCreditSolutions.com

Meet Charles

Charles is our CEO and Lead Credit Hero. Charles has a 22 year back ground in helping clients get Mortgage, Real Estate and consumer credit ready. He has helped literally thousands of people get ready to purchase their new home/car, get better interest rates on credit cards or get their credit cleaned up for career purposes. This is why many call him a Credit Hero.

"Though the years I have reviewed thousands upon thousands of credit reports. The sad fact is that almost 7 out of 10 clients I speak to have issues on their credit report that keeps them from moving forward with lifes goals. 7 out of 10!! That number is way to high. I have made it my mission to help people overcome the speed bumps on the road of life. Through the help of my team and other professionals related to the finace industry, I aim to change the game. Instead of 7 out of 10 not qualifying, my goal is to get 10 out of 10 out from under the credit burden and moving forward in life!"

Get your FREE Credit Consultation Scheduled Today!

Lets improve your credit score!

REQUEST MY FREE CONSULTATION & CREDIT ANALYSIS

YOU WILL GET:

✔️ FREE credit Consultation

✔️ FREE in-depth credit analysis

✔️ FREE credt recommendations

 

What you will get!

Clean up your past

We work with the credit bureaus and your creditors to challenge the negative report items that affect your credit score.

Track your progress

Easy access to your account 24/7 for live status updates on improvements on your credit reports and scores.​

Change your future

We’ll maximize your score so you can achieve your goals and learn how to maintain your awesome credit long after our work is done.​

How it works.

Sign Up

We'll give you a free consultation and credit analysis

Relax

While we use the law to challenge ​ negative items on your report

See Results

Log in to see real time progress every ​ step of the way

We guarantee results or your money back!

Get Started Now!

Partner Program

Are you a mortgage, real estate, tax professional, attorney, auto dealer or a professional in any industry that is dependent upon clients with good credit?

If the answer is yes, then partner with our company to make your clients credit worthy. Refer your credit-challenged client to us, we will work to increase their credit score in record time and we always refer them back to you for your services. You can track your client's progress in our Client Login Portal. When your client logs into our web portal, the first thing they will see is your photo and contact information as a reminder of their goal and the professional who refered them to us! Just fill out the form below.

  • 24 Hours Status Updates for our Clients and Partners from any computer or smart phone
  • Email notifications
  • Bank-level security
  • Credit Education
  • Marketing tools for our partners
  • Presentation at your Seminar  

Pricing

Doc Prep & Enrollent $149

This is a 1 time fee. After your free Consultation and Audit, we dig into every possible negative issue on your credit report. At this time we create a detailed plan of attack and a road map to your improed credit score.

Full Service $89/Month

Our Monthly Service includes executing on the action steps created in your onboarding. We use the law and best practices to dispute, argue and verify the validity of all identified negative issues on your credit report.

We help and guide you from start to finish and we prepare all of the documentation for the various credit agencies. Our fees are reasonable and there are NO long binding contracts. We guarantee results or your money back!

We Do Not Charge an hourly fee!

We do not have any hidden fees!

We will be there for you every step of the way!

Get my FREE Credit Analysis 

Terms and Conditions

Prior to starting credit education and document processing services, you will sign a client agreement along with the following: 

  • Credit Service Agreement
  • Authorization for Credit Repair Action
  • Consumer Credit File Rights (CROA Disclosure)
  • Right Of Cancellation Notice




The services we perform may include

  • Document preparation and credit education. We will evaluate your current credit reports as listed with applicable credit reporting agencies and work with you to identify inaccurate, erroneous, false, or obsolete information. You will choose which items you would like to dispute. We will advise you on steps to be taken to dispute any inaccurate, erroneous, false or obsolete information contained on your credit reports.
  • We will prepare all necessary correspondence in dispute of inaccurate, erroneous, false, or obsolete information in your credit reports.
  • You will forward to us your correspondence received from the credit reporting agencies and we will assist you in further correspondence with those agencies. (This is a vital piece of the process)
  • Consulting, coaching, and monitoring services are conducted by personal meetings, webinars, video conferencing, telephone, email, or by any other form of communication during normal business hours. 



In return, for the services above, you agree to pay fees as outlined in your client agreement. You have the right to cancel your contract for any reason within 3 business days from the date you signed it. Just send written notice as outlined in your client agreement. ​ It is understood that we offer credit information. We make every effort to ensure the accuracy of the information and to clearly explain your options. However, we do not provide legal advice (i.e.; the application of the law to your individual circumstances). For legal advice, please consult an attorney. ​

Privacy Policy

​We have created this privacy policy (hereinafter the "Privacy Policy") in order to disclose our information gathering and dissemination practices. We understand the importance that Internet users place on privacy and have designed our service with this in mind. You agree to this Privacy Policy, in its entirety, when you: 1) access or use our "Website"); and/or 2) select and register for an offer(s) on the Website by clicking the offer(s) presented. If you do not agree with the terms and conditions of our Privacy Policy, please do not use or access the Website. If you are a resident of the State of California and would like to opt-out from the disclosure of your personal information to any third party for direct marketing purposes, please e-mail us.

Information we collect

​The information that we collect is generally limited to personal information about you that you submit on the Website. The personally identifiable information that may be collected includes: your name; address; email address; telephone number; fax number; information about your interests in and use of various products, programs, and services; and education level and interests. Although we are not collecting credit card information at this time, we reserve the right to do so in the future. To the extent that customer credit card-specific information is collected by our company and any of our affiliates and/or subsidiaries, said information will be kept in confidence and will not be shared with any third parties (other than consumer credit agencies) without the customer's prior informed consent. Notwithstanding the foregoing, we and our affiliates and subsidiaries reserve the right to share with third parties the fact that they have credit card information on file for specific customers but they will not share this credit card information with third parties without the customer's prior informed consent. Like most standard website servers, we use log files. Log files track anonymous user information including, but not limited to, Internet Protocol ("IP") addresses, browser type, Internet Service Provider ("ISP"), referring/exit pages, platform type, date/time stamp, and number of clicks. This information is tracked in order to analyze trends, administer the Website, track users' movements in the aggregate and gather broad demographic information for aggregate use. The information tracked via log files is not linked to personally identifiable information.

Cookies

The Website uses a "cookie" to assign a unique identifier to your computer. The cookies we use are persistent files that your web browser places on your computer's hard drive. Cookies may be used to help save information on past activities and other preferences, so that you are not required to reenter information each time that you visit the Website, and to deliver content specific to your interests. No personally identifiable information is gathered by the cookie.

How we use your information

​Any personal information that you supply to us remains your personal property. However, by submitting that information our company, you grant us the right to use your personal information for any legal purpose including, without limitation: a) providing promotional offers to you via email advertising and/or online banner advertising; b) transferring the personal information that you provided to a third party, when necessary, to receive a product, service, or information that you may have requested from such third party while using the Website; c) tracking compliance with our Terms and Conditions; and d) for validation, suppression, content improvement and feedback purposes. By submitting your information to the Website, you grant our company the right to use that information for marketing purposes, and agree to receive email marketing from the Website. We may maintain separate email lists for different purposes. In order to end your email subscription to a particular list, you must follow the instructions contained in any email correspondence that you receive from us. Unsubscribing from one list will not automatically unsubscribe you from all email lists. We only send email marketing to individuals that have agreed, whether by visiting this Website or through third party websites, to receive email marketing from us. We do not send unsolicited bulk email. As a result, certain statutes, requiring particular formatting for unsolicited bulk email may not be applicable to the bulk email that is sent by our company. Though we make every effort to preserve user privacy, we may be required to disclose personal Information in some instances, such as: 1) when required by law wherein we have a good faith belief that such action is necessary to comply with a judicial proceeding, court order, and/or subpoena; 2) in the event that our company is sold or acquired; or 3) in the event that we believe that the Website is being, or has been, used in violation of our terms and conditions or to commit unlawful acts. Moreover, you hereby consent to the disclosure of any record or communication to any third party when our company, in its sole discretion, determines the disclosure to be appropriate including, without limitation, sharing your email address with other third parties for suppression purposes in compliance with the provisions of the CAN-SPAM Act of 2003, as amended from time-to-time.

Sharing Information

Our company provides you with the opportunity to receive special offers, products and/or services from other third-party companies. To receive such offers, products and/or services your personally identifiable information supplied to us during the registration process will be shared with such third-party companies so that they may provide the product or service to you that you have ordered from them without requiring that you first complete another registration form. By submitting your e-mail address at the Website you agree to receive e-mail marketing from our company. We may share our user information and/or join together with other businesses to bring selected opportunities to our users. We are able to offer third party services to you, in part, based on your willingness to be reached by our third-party advertisers. In addition, you agree that such act constitutes a purchase, an inquiry and/or an application for purposes of the Amended Telemarketing Sales Rule, 16 C.F.R.

Our Service to You

Having great credit is more important than ever. But why work with us?

  • We offer a 100% Money Back Guarantee.
  • We are a company with integrity.
  • We are very experienced with over 22 years of consumer, business and mortgage credit.
  • We will be intimately involved with your credit repair experience.
  • We will be there for you every step of the way.
  • Credit education and correction is legal and the law is on your side. We help and guide you from start to finish and we prepare all of the documentation for the various credit agencies.
  • Our fees are reasonable and there are NO long binding contracts. We help you to work with your files until it is done.

Services Include:

Personalized Dispute Audit to Determine Your Exact Credit Repair Needs and Goals.

An Experienced Case Analyst and Case Advisor Working Personally With You throughout The Process

Custom Dispute Letters Created For You And Submitted On Your Behalf.

Access to Your Case Status and Updated Information - 24 Hours A Day / 7 Days A Week.

We have an excellent track record in helping client's to improve their credit scores:

If you have a better credit score you could potentially have a better interest rate. Just an increase of 20 points in your credit score can mean a difference of tens of thousands of dollars in interest saved on an average priced home and hundreds of dollars of interest saved on car payments and credit cards. We have a proven track record of helping clients to raise credit scores quickly and effectively to give you better purchasing power.

Average Client's Credit Score Increase in 6 months:

50 Points

Average Score Increase in 35 days:

10 points or more 83%  

20 points or more 61%  

50 points or more 15% ​ 100 points or more 2%

​Average Score Increase in 90 days:

10 points or more 97%  

20 points or more 82%  

50 points or more 40% ​ 100 points or more 25%

Our 100% Guarantee, Cancellation and Return Policy:

You are entitled to a 100% refund on all payments and fees collected in the first 90 days of service, if:

- You do not increase your score at all in the in the first 90 days of service and, - You have at least four negatives on the credit report at the time of sign-up and, - You agree to send updated reports from the three credit bureaus to us within 3 days of receipt and, (Clients should receive updated credit reports every 15-45 days. It is the client's responsibility to make us aware if updated reports have not been received). ​- You agree to forward all correspondence received from your creditors or credit bureaus within 5 days of receipt and, ​- You do not incur any new collections or late payments and, - You do not increase any of your credit card balances (this impacts your score and therefore it is out of our control) and, ​- You do not apply for any new credit unless advised by us. ​ ​You may cancel services at any time. Please notify us in writing 5 days before the next billing period.

Credit Facts

What is a Credit Score?

A credit score is a number generated by a mathematical formula that is meant to predict credit worthiness. Credit scores range from 300-850. The higher your score is, the more likely you are to get a loan. The lower your score is, the less likely you are to get a loan. If you have a low credit score and you do manage to get approved for credit then your interest rate will be much higher than someone who had a good credit score and borrowed money. Therefore, having a high credit score can save many thousands of dollars over the life of your mortgage, auto loan, or credit card.

What affects your Credit Score?

​​​We will help you to dispute negative items in your payment history.

  • We will show you how to maximize your debt ratio score, even if paying off credit cards is not an option.
  • We can also help you to removing credit inquiries from your credit report. Most people are aware of the three credit reporting bureaus, Equifax, Experian and TransUnion. The average difference in scores between the highest and lowest of your credit scores, from the three bureaus, is 60 points. This is the result of the credit bureaus having different items on their report, which may be correct, incorrect or are not reported in full compliance with credit law. According to a recent study, nearly 80% of all credit reports have serious errors on them and this does not even include the even smaller errors for which we look.
  • If you cannot increase your score with our services within 90 days, we will refund 100% of your fee.

In addition to starting the credit dispute process with you, what can I do to help raise my credit score?

Pay all of your bills on time, every time. This includes your utility bills, mortgage and auto payments, and all of your revolving lines of credit like credit cards. Check your credit report at least once a year. You can find out how to challenge bad information on your credit report here.  

Never charge more than 30% of the available balance on any of your credit cards. Banks like to see a nice record of on-time payments, and several credit cards that are not maxed-out. If you are carrying high balances on your credit cards, then make paying them down below 30% a priority. Do use your credit cards – Many people who make mistakes with their credit believe that the best way to fix things is to never use credit again. If you are afraid that you cannot handle your credit cards correctly then the best policy is probably this one: Run only your utility bills on your credit cards each month, and then pay the balance in full by the due date. This ensures that your utility bills get paid on time automatically, and as long as you keep the habit of paying off your credit card balance each month your score will continue to go up. Leave the credit cards locked in a safe or drawer at home. ​ Keep your accounts open as long as possible – Even if you are no longer charging on the card. The best policy is to keep those unused accounts open, blow the dust off your card every few months to make a small purchase, then pay it off. How long each of your accounts have been active is a major factor in your credit score. Remember that this all takes time – Following the above steps consistently over a long period of time will increase your credit score and allow you to qualify for better loans and lower interest rates. Repairing your credit score does not happen overnight, so if you do these things for a few months and do not see a large increase in your score, do not give up. They are all habits that you will want to maintain throughout your life, as they will help you to keep your finances and lines of credit under control.

How long will certain items remain on my credit file?

  • Delinquencies (30- 180 days): A delinquency may remain on file for seven years; from the date of the initial missed payment.
  • Collection Accounts: May remain seven years from the date of the initial missed payment that led to the collection (the original delinquency date). When a collection account is paid in full, it will be marked as a "paid collection" on the credit report.
  • Charge-off Accounts: When a delinquent account is sent to a collections company. This will remain for seven years from the date of the initial missed payment that led to the charge-off (the original delinquency date), even if payments are later made on the charge-off account.
  • Closed Accounts: Closed accounts are no longer available for further use and may or may not have a zero balance. Closed accounts with delinquencies remain for seven years from the date they are reported closed, whether closed by the creditor or by the consumer. However, the delinquency notation will be removed seven years after the delinquency occurred when pertaining to late payments. Positive closed accounts continue to be reported for ten years from the closing date.
  • Lost Credit Card: If there are no delinquencies, credit cards reported as lost will continue to be listed for two years from the date the creditor is contacted. Delinquent payments that occurred before the card was lost are reported for seven years.
  • Bankruptcy: Chapters 7, 11, and 12 will remain on one's credit report for ten years from the filing date. A Chapter 13 bankruptcy is reported for seven years from the filing date. Accounts included in a bankruptcy will remain for seven years from the date reported as included in the bankruptcy
  • Judgments: Remain seven years from the date filed.
  • City, County, State, and Federal Tax Liens: Unpaid tax liens remain for fifteen years from the filing date. A paid tax lien will remain on one's score for 10 years from the date of payment.
  • Inquiries: Most inquiries listed on one's credit report will remain for two years. All inquiries must remain for a minimum of one year from the date the inquiry was made. Some inquiries, such as employment or pre-approved offers of credit, will show only on a personal credit report pulled by you.​  


Information that cannot be in a credit report:

  • Medical information (unless you provide consent)
  • Notice of bankruptcy (Chapter 11) more than ten years old
  • Debts (including delinquent child support payments) more than seven years old
  • Age, marital status, or race (if requested from a current or prospective employer)​

Frequently Asked Questions

Is Credit Training Legal?

​Yes, credit training 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 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 offer proof. It is our job to prepare documents that challenge this and we are very skilled at that.

Is Credit Training and Education worth my time and money?

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.

What can I expect when I enroll in Credit Education?

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 a flawless, money back guarantee system.

What is your 100% Guarantee?

You are entitled to a 100% refund on all payments and fees collected in the first 90 days of service, if: - You do not increase your score at all in the in the first 90 days of service and, - You have at least four negatives on the credit report at the time of sign-up and, - You agree to send updated reports from the three credit bureaus to us within 5 days of receipt and, (Clients should receive updated credit reports every 15-45 days. It is the client's responsibility to make us aware if updated reports have not been received). ​- You agree to forward all correspondence received from your creditors or credit bureaus within 5 days of receipt and, ​- You do not incur any new collections or late payments and, - You do not increase any of your credit card balances (this impacts your score and therefore it is out of our control) and, ​- You do not apply for any new credit unless advised by us.

How long will it take to raise my score?

Through our services, 93% of our clients see their credit score increase 5 points or more in the first 35 days. Over a 180-day term, the average credit score increase is 70 points. 

Why are your results different?

There are two sides to the credit score battle. Sometimes, the creditors and the credit bureaus have done absolutely everything right and we have no case against them. On average, clients are able to remove 70% of the negative items from a credit report.

Will removed items come back?

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.

What items can you help me to remove and improve?

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.

Thank you for scheduling your free consultation!

I look forward to speaking with you soon!

After you have ordered your credit report, please feel free to take a look at the credit info resources offered on my website!

My goal is to utilize the law to help remove items from your credit profile, but thats just 1 piece of credit building. I may also make recomendations on sources to create new positive credit. Through removal of certain accounts, creation of new positve accounts and education on how to protect your new credit profile, we are able to set you up for a better finacial future!

I look forward to speaking with you soon!

Charles Boyett

"Credit Hero"

Thank you for scheduling your call to discuss how I can help you close more deals!

I look forward to speaking with you soon!

Now that you have scheduled your call, please feel free to take a look at the credit info resources offered on my website!

My goal is to utilize the law to help remove items from your clients credit profile, but thats just 1 piece of credit building. I may also make recomendations on sources to create new positive credit. Through removal of certain accounts, creation of new positve accounts and education on how to protect their new credit profile, we are able to set them up for a better finacial future.... and.... wait for it..... HELP YOU CLOSE MORE DEALS! I knew you'd like that last part!

I look forward to speaking with you soon!

Charles Boyett

"Credit Hero" 

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