E Credit & Wealth — Credit Repair Made Clear
E Credit & Wealth — Building Credit. Creating Wealth. Get Credit Score

Analyze | Dispute | Rebuild

From Credit Challenges To Financial Confidence.

We find what’s wrong on your report and dispute it.

Get Credit Score

Access your credit scores and reports from all three major credit bureaus — Experian, Equifax & TransUnion.Through our partner MyFreeScoreNow: $1.00 upfront activation fee, then a $39.90 monthly membership fee automatically charged after the 7-day trial. Payments are non-refundable.

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Quick Inquiry
No Obligation
Secure & Confidential

What We Do

Report Analysis

Review • Disputes • Corrections

Credit Building

Guidance • Monitoring • Support

The Real Problem

Built on someone else’s paperwork

Your report is built from data other companies send in. When that data is wrong, your score is wrong too.

Accounts that aren’t yours

Mixed files or identity theft can attach someone else’s debt to you.

Late payments in error

A payment made on time but reported late still costs you for years.

Collections you don’t owe

Debts already paid, or never yours, keep circulating between agencies.

Duplicated accounts

One debt listed by both the lender and a collector counts twice.

Wrong personal details

A wrong address, name or date of birth is how files get mixed up.

Items past their time

Negative entries expire. Some stay on file longer than they should.

How It Works

Four steps, start to finish

You see what we found, what we sent, and what came back.

01

Pull your reports

All three bureaus, since an item can appear on one and not the others.

Get credit score

02

Line-by-line review

Every account, balance and date checked. Anything questionable is flagged.

03

Dispute and document

Filed with the bureaus and the company that supplied the data.

04

Monitor and build

We track each response, follow up, and guide you from there.

Straight Answers

What disputing can and can’t do

Anyone promising to erase a debt you owe is selling you something that doesn’t exist.

What we can dispute

Anything inaccurate, incomplete or unverifiable.

  • Late marks on payments you made on time
  • Accounts that aren’t yours
  • Wrong balances, dates or statuses
  • The same debt listed twice
  • Wrong name, address or date of birth
  • Items nobody can verify

What nobody can do

Accurate entries stay, no matter who you hire.

  • Guarantee approval for a loan or card
  • Rush a bureau’s investigation window
  • Promise you a score or a number of points
  • Give you a new credit identity
  • Stop accurate new activity being reported
  • Change anything overnight

Client Story

In their own words

Screenshot of a text message from Mr. Epps describing his experience with E Credit & Wealth

I was in urgent need of credit repair assistance, so I reached out to E Credit and Wealth. After getting two vehicles and making some poor financial decisions, my credit score dropped to the low 500s.

I was hesitant at first, but after doing my research, I felt confident in their professionalism and honesty.

In just about 3 months, my score went up to the high 700s! They also helped remove outdated accounts, incorrect information, and other negative items I didn’t even know were hurting my credit.

What I value most is that they not only fixed my credit, but also educated and guided me so I can make better financial decisions moving forward.

I highly recommend E Credit and Wealth to anyone looking for trustworthy and knowledgeable support. My experience has been truly life-changing!

Mr. Epps Credit repair client

One client’s experience, sent by text and shared with permission. Individual results vary and depend on the contents of your own credit file — this is not a guarantee or an indication of typical results. Credit repair cannot remove accurate, timely information.

Client Results

One file, one round of disputes

Credit re-import summary dated 28 August 2026 showing Equifax 730, Experian 760 and TransUnion 656, with 32 disputes deleted and 12 on-going
The re-import summary this client received, as generated by our reporting system. Swipe to see all three bureaus.

One client’s file, shared with permission and with identifying details withheld. Individual results vary and depend on the contents of your own credit file — this is not a guarantee or an indication of typical results. Credit repair cannot remove accurate, timely information.

Your information is secure and confidential.

You already have rights here

Under the U.S. Fair Credit Reporting Act, the law favours an accurate file. You can use these rights free — we do the work.

Get Credit Score

Access your credit scores and reports from all three major credit bureaus — Experian, Equifax & TransUnion.Through our partner MyFreeScoreNow: $1.00 upfront activation fee, then a $39.90 monthly membership fee automatically charged after the 7-day trial. Payments are non-refundable.

Have it corrected

Anything found inaccurate, or left unverified, must be corrected or deleted.

General information, not legal advice. These rights reflect U.S. federal law and may differ where you live. [PLACEHOLDER — confirm jurisdiction and required disclosures.]

Questions

Before you get started

What is credit repair?

Reviewing your reports, finding information that is inaccurate, incomplete or unverifiable, and disputing it with the bureaus. The goal is a file that reflects your real history.

Can you remove accurate negatives?

No, and neither can anyone else. We work on the part of your file that is wrong — often a larger part than people expect.

How long does the process take?

A bureau generally has 30 days per dispute. How many rounds you need depends on your file, so we don’t quote a timeline before seeing it.

Could I do this myself?

Yes. Disputing is free and you can do it yourself. People come to us for the review, the paperwork and the follow-up.

Will disputing hurt my score?

No. Filing a dispute and checking your own report don’t lower it. Only the outcome changes your score.

What do you need from me?

Your reports and the ID the bureaus require. We’ll tell you exactly what that is before you send anything.

Where do I get my credit reports?

AnnualCreditReport.com, the federally authorised source. We’ll walk you through it on the first call.

What happens after I submit?

We arrange a review, talk through what we found, and explain what’s worth disputing. You decide from there.

Fast Response

We reply to every request.

Honest Process

We only dispute what’s disputable.

Real Guidance

Support through every step.

See what’s actually on your report

Know which items are disputable before you commit to anything.

Get Credit Score

Access your credit scores and reports from all three major credit bureaus — Experian, Equifax & TransUnion.Through our partner MyFreeScoreNow: $1.00 upfront activation fee, then a $39.90 monthly membership fee automatically charged after the 7-day trial. Payments are non-refundable.