Vance Credit — The #1 Credit Repair Company in the United States.
Bad credit costs you thousands.
We work first.
You don't pay us a dollar until after we've submitted disputes on your file. No setup fees. No advance charges. No exceptions. That's federal law, and it's how we've built everything.
What your credit score costs you on a $30,000 auto loan
60-month term · Illustrative example · Your terms vary
Rate ranges are illustrative estimates. Your actual rates depend on lender, loan type, down payment, and other factors.
The math nobody shows you
A lower credit score doesn't just feel bad.
It costs you real money. Every month.
Every loan you take out — car, home, business — comes with an interest rate directly tied to your credit score. The lower the score, the higher the rate. The difference between a 541 and a 680 on a $30,000 car loan can cost you over $10,000 across the life of the loan.
Vance Credit costs $97 a month. That's the math. If inaccurate items on your report are holding your score back, the cost of not addressing them is almost always greater than the cost of addressing them.
No commitment until you decide to enroll. Rates are illustrative.
Score around 541 — subprime range
~$760/month
$30,000 auto loan at ~20% APR (typical subprime range) over 60 months
~$45,600 total paid
Score around 680+ — near-prime range
~$585/month
Same $30,000 loan at ~7% APR (typical near-prime range) over 60 months
~$35,100 total paid
~$10,500
extra cost of a lower score on a single auto loan. Multiply that across a mortgage, a business loan, a second car.
Rate ranges are illustrative estimates based on publicly available market data and vary significantly by lender, loan type, down payment, geography, and individual circumstances.
Credit Repair Goal Tracks
What are you trying to get approved for?
Your dispute strategy is built around your actual goal. Auto lenders and mortgage underwriters look at different items. We optimize for your specific finish line.
Auto Approved
Declined on a car loan or know your score isn't there yet. We target the items auto lenders weight most heavily — collections, charge-offs, late payments reported in error.
Lenders typically look for 620–640+ · varies by lender→ Return-to-dealer coordination when you reach your target range
Home Approved
Mortgage underwriters look at specific patterns — payment history, utilization, specific derogatory items. We focus the dispute strategy on what mortgage lenders actually flag.
FHA typically 580+ · Conventional typically 620+ · varies by lender→ Milestone report formatted for your loan officer at qualification
Explore Track trending_flatBusiness Funded
Business credit and personal credit are separate systems. Most entrepreneurs don't know they may not have a business credit profile. We build both simultaneously.
Many SBA programs prefer 680+ personal + active business credit profile→ D-U-N-S setup, SBA readiness, business credit card qualification roadmap
Score thresholds are typical lender benchmarks — they vary by lender, loan program, down payment, and individual financial profile. Vance Credit does not guarantee loan approval, specific score changes, or that reaching any threshold will result in credit approval. Individual results vary.
The Vance Credit Guarantee
The promise nobody in this industry
will say out loud.
We guarantee what we control. We won't claim to control what we don't. That honesty is rarer than it should be.
01
The Work Guarantee
Everything the FCRA legally allows — or you don't pay. Our effort is guaranteed.
02
No Work, No Pay
Disputes in your portal before any invoice. Every billing cycle. No exceptions.
03
Open File Promise
Real-time portal access. Every dispute. Every bureau response. Nothing hidden.
04
30-Day Activity
Disputes submitted within 30 days of enrollment — or full refund.
The 6-Month Service Guarantee
"If after 6 months of active enrollment we have not submitted documented dispute activity on your credit file, we refund every dollar you paid us — and work your file for another 6 months at no charge."
This guarantee covers our documented effort and dispute submissions — not how credit bureaus respond or what your score does. No legitimate credit repair company can guarantee score outcomes, and any that claim to are violating federal law. Conditions: active credit monitoring maintained throughout; client does not take actions that materially damage the file during the service period. Full terms stated in your written contract before you sign anything.
Client outcomes
Real files. Real dispute work. Real results.
These are documented outcomes from real Vance Credit clients. Individual results vary significantly. These are not typical results.
"I didn't believe it until I saw the deletions in my portal. Then I went back to the same dealer."
Marcus T. — Houston, TX · 4 months of documented dispute activity
"My loan officer said I needed 620. Vance got me to 641. We closed 6 weeks later."
Danielle M. — Charlotte, NC · 5 months of documented dispute activity
"Had zero business credit. Vance built my Dun & Bradstreet profile while disputing my personal file at the same time."
James R. — Atlanta, GA · 7 months of documented dispute activity
What we dispute
We tell you exactly what we can — and can't — do.
No credit repair company can legally remove accurate, verified information. Any company that tells you otherwise is violating federal law.
Medical collections — especially under $500
New CFPB rules significantly limit reporting of medical debt.
Late payments reported in error
Payments marked late that were actually on-time. Documented with bank records.
Accounts you don't recognize
Possible identity theft, mixed file, or administrative error.
Duplicate tradelines
Same debt showing twice from different collection agencies.
Items past the 7-year reporting limit
Most negative items must be removed after 7 years under the FCRA.
Unauthorized hard inquiries
Inquiries you didn't authorize or that resulted from identity theft.
Accurate, verified bankruptcies
Verified public records cannot be legally removed before their reporting window ends.
Late payments you know happened
Disputing accurate information is a violation of federal law — and it doesn't work.
Accurate charge-offs or repossessions
If it happened and the creditor can verify it, it stays.
Current high utilization
Utilization isn't a tradeline — it reflects your current balance. Pay it down.
Recent accurate collections
Within the 7-year window, verified, accurate — stays on the report.
Pricing
One rule across every plan.
You never pay before we work. No setup fees. No advance charges. No exceptions.
Most Enrollments · Standard Timeline
Vance Dispute
"We challenge every disputable item on your report — every month — and you only pay after we've worked."
No setup fee · First Class mail via CloudMail
First charge fires only after Round 1 is submitted and documented in your portal · Cancel anytime
Nothing charged today. Your first invoice follows your first documented dispute round — never before.
Included every month
6-Month Service Guarantee Applies
No documented dispute activity after 6 months of active enrollment? Full refund of every fee paid, plus 6 more months at no charge. Full terms in your written contract.
Complex Files · Dedicated Advisor
Vance Complete
"A dedicated advisor. Certified mail on every letter. Every tool — working your file monthly until the job is done."
No setup fee · Certified mail on every letter — USPS tracking + proof of delivery
First charge after Round 1 documented · Cancel anytime
Nothing charged today. Certified mail on every dispute, goodwill letter, and creditor correspondence.
Everything in Vance Dispute — Plus
Who Vance Complete Is For
More than 4–5 negative items. Collections from multiple creditors. A specific loan deadline. Or anyone who wants to hand it to one dedicated person and not think about it. The certified mail upgrade alone costs ~$47 more per round — on top of that, you get a dedicated advisor and four additional service types.
Hard Deadline · Maximum Urgency
Vance Rapid
"Car purchase in 30 days. FHA closing in 60 days. We fire everything at your file — simultaneously — on the fastest legal timeline possible."
Certified mail on every letter · Priority file handling · Typically 2–3 months
First charge after Round 1 documented · Post-service billing · Cancel anytime
Built for urgency. Not for long-term. Tell us your deadline and we build your strategy around it.
Everything in Vance Complete — Plus these Rapid-Specific Actions
The Honest Expectation
We cannot guarantee specific score outcomes or item removals — federal law prohibits any legitimate company from promising this. What we guarantee: every legally available action will be taken on your file within the fastest timeline the FCRA allows. Bureaus still have 30 days to investigate. We compress everything we control.
Federal law under CROA prohibits advance fees for credit repair. Every plan bills only after documented dispute activity. No exceptions. Individual results vary and are not guaranteed.
The process
No mystery. No fine print buried in the steps.
Every step, in order, exactly as it happens.
01
Vance Score Report — $1 for 7 days
You pull your 3-bureau report through our credit monitoring partner. A member of our team reviews every line and delivers a personalized dispute target list — what we'd challenge, why, and what the strategy is for your goal track. If we don't think we can make a meaningful difference, we tell you before you enroll in anything.
→ Real analysis. Not an algorithm. Not a quiz.
02
Your rights. Your contract. Three days to decide.
Before any work begins, you receive the Consumer Credit File Rights Under State and Federal Law disclosure — which explains your right to dispute items yourself at no cost. Federal law requires us to give you this.
→ 3 business days to cancel for a full refund. Your legal right. No questions.
03
Dispute strategy built for your goal
Auto Approved, Home Approved, or Business Funded. Your dispute strategy is built specifically for what you're trying to qualify for — not a generic template. The items a mortgage underwriter flags are different from what an auto lender looks at.
04
We submit. You watch.
Written dispute letters go to the bureaus — and when appropriate, directly to original creditors. Bureaus have 30 days to investigate under federal law. We track every open dispute and follow up. Everything is documented in real time in your portal.
→ Your portal shows the work. Then you see the invoice. Never the other way around.
05
Billing — only after work is documented
Your first charge fires after your dispute round is submitted and documented in your portal. Not at signup. Not at contract signing. After the work. Every billing cycle follows the same sequence: work, documentation, invoice. Federal law requires it.
→ Exact billing timing stated in your written contract before you sign.
06
Milestone — you reach your target range
We send your Vance Milestone Report — a summary of dispute activity and verified resolutions. If you came through a dealer referral, we coordinate your return. If you're on the home track, the report is formatted for your loan officer conversation.
Credit Repair FAQ
Credit Repair Questions Answered.
The most common questions we receive about CROA-compliant credit repair, dispute strategies, and our 6-Month Service Guarantee.
Do you charge before you do any work?
Never. Federal law under CROA prohibits it — and we've built our entire operation around this fact. Your first charge fires after your first dispute round is submitted and visible in your portal. Not at signup. After the work.
Can you guarantee my score will go up?
No — and any company that tells you they can is violating federal law. We guarantee what we control: our documented effort, our dispute submissions, our follow-up. How credit bureaus respond is outside our control.
What is the 6-Month Service Guarantee?
If after 6 months of active enrollment we have not submitted documented dispute activity on your credit file, we refund every service fee and work your file for another 6 months at no charge. This guarantees our effort — not specific outcomes.
How long does credit repair take?
Bureaus have 30 days by law to investigate each dispute. How long your journey takes depends on your specific file, the number of disputable items, and how bureaus respond. After reviewing your Vance Score Report, we give you an honest estimate.
Can I do this myself for free?
Yes — and we are legally required to tell you this, so we will. You have the right to dispute inaccurate items directly with the credit bureaus at no cost. That right is explained in the Consumer Credit File Rights disclosure you receive before signing anything with us.
Can I cancel?
Yes. Within 3 business days of signing — full refund, no questions. That's your right under federal law and it's in every Vance Credit contract. After that, cancel any time. You only pay for completed dispute rounds. No cancellation fees.
What's a goal track?
Auto Approved, Home Approved, or Business Funded. Different lenders look at different items. We build your dispute strategy around your specific loan type — not a one-size-fits-all approach.
Do you work in every state?
Most U.S. states, yes. Georgia is the exception — Georgia law makes for-profit credit repair a misdemeanor. Georgia residents are routed to our partner nonprofit foundation at no charge.
Your rights
Consumer Credit File Rights Under State and Federal Law
Federal law requires Vance Credit to provide you with this disclosure before any contract is signed. We provide it as a separate signed document at contract execution.
You may perform the services described in your Vance Credit contract yourself, for free, by contacting the credit bureaus directly. You are not required to use Vance Credit.
Cancel within 3 days: Contact us by any means. Full refund within 5 business days.
Your file has a story.
Let's find out what it actually says.
3 minutes. $1. A real person reviews your real file. No commitment until you decide.
Vance Credit LLC is a Credit Repair Organization operating under 15 U.S.C. § 1679 et seq. No advance fees collected. Post-service billing only. Individual results vary and are not guaranteed. You have the right to dispute inaccurate information directly with credit bureaus at no cost.