Straight Talk. Real Results. No Gimmicks.

You're Working Hard, But Your Credit Is Holding You Back.

Every day your credit score stays low, you're paying the price:

  • Higher interest rates on everything from car loans to credit cards

  • Denied applications for apartments, mortgages, and financing

  • Embarrassment and stress every time you need credit

  • Thousands of dollars wasted on interest you shouldn't be paying

You've tried fixing it yourself. You've read the articles. Maybe you've even disputed a few items.

But nothing's changed.

Here's the truth: Credit repair isn't complicated, but it IS technical. The credit bureaus count on you giving up. The big credit repair companies? They treat you like a number in a system.

That's not how we work.

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About Us

Personalized Credit Repair From People Who Actually Care

Michael first entered the debt relief and credit repair industry in 2003.

We're not a call center. We're not a corporation with 10,000 clients. We're a husband and wife team, and that means:

  • You get our personal attention on every aspect of your case

  • Someone who cares about your financial future as much as you do

  • We give it to you straight. No fluff. No false promises. No overnight miracles.

  • Unlimited email support and the ability to schedule live calls with us personally.

Our Simple, Legal, and Proven Process

Month 1-2: Foundation & First Results

  • We analyze your credit reports, identify errors and negative items, and begin the dispute process. Some clients see results in the first month—others take a bit longer. Every situation is unique.

Month 3-6: Building Momentum

  • As we systematically challenge questionable items and work with bureaus, you'll start seeing changes. We follow up relentlessly and keep you informed every step of the way.

Month 6-12: Significant Improvement

  • This is where most clients see dramatic score increases. Real credit repair takes time—typically 6 to 12 months to significantly raise your score. Anyone promising faster results isn't being honest with you.

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Picture Your Life 6-12 Months From Now...

  • You check your credit score and smile. It's jumped 100-200 points.

  • The car loan? You just qualified for a rate that's saving you $87 every single month. That's over $1,000 a year back in your pocket.

  • That apartment or house you wanted? Approved. No explanation needed. No embarrassment.

  • That credit card application? Not only approved—but you got a card with actual rewards and a decent limit.

  • You're sleeping better. The stress that used to hit you every time you needed to apply for credit? Gone.

  • This isn't fantasy. This is what happens when you fix your credit the right way.

What Others are Saying...

★★★★★

“When I got divorced, my credit score went in the tank. My score started at 528 but after 11 months it is now at 701!

Melissa R

★★★★★

“I went from 583 to 802 in a matter of months. I can't believe how quickly it went up.

Casey Reed

★★★★★

“It took about 4 months for my score to increase by 48 points. I still have a ways to go but at least there's a light at the end of the tunnel.

Ana P

Why Choose Us?

Personal Service

  • You'll get unlimited email support and the ability to schedule calls as needed. You're not a ticket number. You're working with a dedicated couple who will know your name, your story, and your goals.

100% Legal & Compliant

  • We follow every law and regulation. No risky tactics that could backfire on your credit.

Honest Communication

  • We tell you the truth about timelines, results, and what to expect. No sugar-coating. No false promises.

Proven Results

  • While every case is different, our methods are based on 22 years of successful credit repair outcomes.

Ready to Take Control of Your Credit?

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Here's What You'll Need:

Two Simple Fees:

  • Our Credit Repair Service Fee – For our expert work challenging errors, negotiating with bureaus, and managing your case personally

  • Third-Party Credit Monitoring Fee – Paid separately to a credit monitoring service so we can track your reports and progress in real-time. We'll provide a link on the next page and to your email.

  • FREE Bonus! We are offering Hotel Stay packages on 2 of the options below. We want to encourage and reward you for taking charge of your financial future! See details below and in FAQ.

Choose from 3 Options Below

Monthly Agreement

$129/mo. Credit Repair +$24.95/mo. Monitoring

  • Cancel Anytime with 3 business day notice

  • Work with us for personalized service

  • Legal and lawful credit dispute process

  • Unlimited email support

  • Ability to schedule calls using our calendar

  • Straight Answers. No fluff. No false promises.

    • When the timing is right, we can help you qualify for new credit cards to expedite the credit rebuilding process

Monthly Agreement

6 Month Agreement

$109/mo. Credit Repair + $24.95/mo. Monitoring

  • Cancel Anytime with 3 business day notice

  • Everything included from Monthly Agreement PLUS Hotel Stay

  • 4 Day/ 3 Night Hotel Stay after 6 Month Term is complete

  • 4 and 5 Star Hotels to 39 destinations within the 48 states. You pay only taxes and resort fees (average $30/night).

  • Destinations include Las Vegas, Miami, New Orleans, Galveston, Lake Tahoe, Orlando, and many others!

6 Month Agreement

12 Month Agreement

$99/mo. Credit Repair + $24.95/mo. Monitoring

  • Cancel Anytime with 3 business day notice

  • Everything included from 6 Month Agreement PLUS International Hotel Package

  • Up to 6 Days/5 Nights after 12 Month Term is Complete

  • 4 and 5 Star Hotels to an additional 99 International locations. You pay only taxes and resort fees (average $35/night)

Destinations include Hawaii, Australia, South America, Mexico, Canada, Thailand, All over Europe, and many more

12 Month Agreement

FAQs

  • Do you have a guarantee?

    • Sadly, we do not. Credit repair just isn’t something that can be guaranteed. What we can guarantee, however, is that we will do everything in our power to help you achieve the credit score you deserve.

  • What can be removed from my credit report?

    • Anything inaccurate, unfair or unverified can be challenged with the bureaus and your creditors. This includes collections, late payments, charge-offs, liens, bankruptcies, repossessions and more.

  • Can I speak with someone before I make a decision?

    • Unfortunately, no. Federal Law prohibits us from speaking with you prior to entering into an agreement.

  • What can be removed from my credit?

    • Anything inaccurate, unfair or unverified can be challenged with the bureaus and your creditors. This includes collections, late payments, charge-offs, liens, bankruptcies, repossessions and more.

  • Is credit repair legal?

    • Of course. You have a legal right to a fair, accurate and substantiated credit profile. Credit repair is a real and legitimate way to help you get there.

  • How do I cancel?

    • If we aren’t meeting your expectations or you no longer need our service, you can cancel at any time. Simply email support@mm2creditrepair.com at least 3 days before your next monthly charge.

  • What happens if I don't pay?

    • We’ll stop your service. We won’t delete your account, but unfortunately, we can’t provide our services for free. If you can’t afford your current service level, however, we are more than happy to work with you to provide a different product more suited to your needs and budget.

  • How can you offer hotel accommodations?

    • We pay a monthly fee to a company that has relationships with hundreds of resorts worldwide. The hotels often have unsold rooms. They give away the rooms in hopes you spend money on food, entertainment, etc.

  • How do I redeem my hotel/resort accommodations?

    • At the end of you 6 or 12 month agreement, send an email to support@mm2creditrepair.com and we will send a link. You