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Let’s improve your credit score

Our Service Includes…

FREE Credit Consultation

We will spend 30 minutes reviewing your credit report and discussing your long term credit goals.

FREE In-Depth Credit Analysis

We will identify the most critical items on your credit report and we’ll help you understand which items can be removed.

FREE Credit Recommendations

Most importantly, we will guide you towards a life of stronger and more consistent credit management!

Change your credit for the better. Change your life for the better!

​​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 present

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.​

We guarantee results or your money back!

How does our credit repair process work?

Signup

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

Oxford Pierpont Is Trusted By:

We guarantee results or your money back!

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

We are a well established company with a great reputation.

We offer a 100% Money Back Guarantee.

We are very experienced with consumer, business & mortgage credit

Credit correction is legal and the law is on your side.

Our work is extremely transparent and we constantly keep you updated.

We provide USPS Tracking on Every document we send

All Dispute Options are personalized to Fit Your Exact Credit Repair Needs.

We provide 24/7 Dashboard Access to Your Case Status.

Frequently Asked Questions

You ABSOLUTELY can repair your own credit, and you should.

To be clear, you have free access to all of the same laws and resources that we have, and you can repair your credit entirely on your own, virtually for free. The problem is that credit repair takes a significant amount of time, diligence, and consistency that most people simply do not have the patience for.

So if you can repair your credit for free, why bother paying a company to do it?

  • You don’t want to spend your time learning the process.
  • You don’t want to spend your time learning the laws.
  • You don’t want to spend your time assessing your credit report.
  • You don’t want to spend your time writing the dispute letters.
  • You don’t want to spend your time collecting the documentation.
  • You don’t want to spend your time shipping dispute letters.
  • You don’t want to spend your time following up with and arguing with the Credit Bureaus.
  • You don’t want to spend your time dealing with multiple rounds of disputes.
  • You value your time and want to pay a professional to do the leg work for you.

Anyone can repair their own credit. We simply provide a service for those who do not have the time or do not wish to endure the process on their own.

​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.

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:

  • Your financial situation and/or
  • 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.

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.

You are entitled to a 100% refund on all monthly payments if:

  • You do not remove more than 25% of all the negatives worked on.
  • You have had six months from the time you retain our services.
  • You have at least four negatives on the credit report at the time of sign-up.
  • You have not used a credit-consulting agency nor attempted to repair your credit two years previous to signing up for our services.
  • You agree to send updated reports from the three credit bureaus to us within 5 days of receipt.
  • You maintain an active credit monitoring service for the duration of your credit repair service with Oxford Pierpont.

(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).

Through our services, 93% of our clients see their credit score increase 10 points or more in the first 35 days. Over the full 180-day term of the contract, the average credit score increase is 80 points. See full statistical breakdown below.

​Average Score Increase in 35 days:

10 points or more 93%
20 points or more 71%
50 points or more 25%
100 points or more 15%

​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%

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.

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.

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.

Helpful Facts About Credit

​What is a Credit Score?

  • A credit score is a number generated by a mathematical formula that is meant to predict creditworthiness.
  • 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 remove at least 25% of the negative credit items from all three of your credit reports, 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)​

We guarantee results or your money back!

Get Started Now

Contact Us: 1-844-834-3458