HOW CREDIT REPAIR WORKS

We use the law — not loopholes.

At ThriveBox, we challenge negative items like late payments, collections, charge-offs, and even bankruptcies by using federal consumer laws like the Fair Credit Reporting Act (FCRA).

If something on your report is inaccurate, incomplete, or can’t be verified, it must be removed or corrected. Period.

We send carefully crafted disputes to credit bureaus and furnishers, holding them accountable and forcing them to prove what they report.

Most people get ignored or stalled. We don’t.

We know how to apply pressure, navigate the system, and push until results happen — legally, ethically, and permanently.

Better credit = better rates, better terms, and better options. That’s what we fight for.

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TestimonialS

Talha P.

“I was stuck with the same credit score for years and didn’t even know credit repair was a thing. I was introduced to Carlos and he helped me erase quite a few derogatory items. My score went up over 100 points in less than 90 days.”

Steve K.

“Carlos is just excellent at what he does. He was recommended to me by my financial advisor and I was apprehensive at first. On our first phone call, he educated me on ways to improve my credit and the basics of credit repair — before I even agreed to start working together. I already referred 2 family members and would recommend him to anyone, hands down.”

Melissa M.

"His approach to educating people is so unique and powerful. Not only did he help me become a first-time home owner, he showed me how to keep my good credit long term — and that’s priceless.”

James E.

“In a matter of months, my credit score jumped over 120 points! The personalized plan and step-by-step guidance really helped me. I feel in control of my finances for the first time in a long time.”

Michael A.

“I’ve tried other services in the past, but none have been as transparent and effective. No hidden costs — just honest help that got me actual results.”

Erica P.

“The financial education provided was invaluable. Not only did my credit score go up significantly, but they also taught me how to make better decisions with my money. It’s been a game-changer!”