Our Services

At 800 Credit Collective, our holistic, results-focused approach supports you whether you’re repairing credit, building credit, or leveraging tradelines to boost your score.

Authorized User Platform

Fast-track your credit growth by being added to established credit cards with a history of positive payments, high limits, and low utilization.

Multiple tiered packages available (Starter Boost, Elite Boost, Ultimate Boost, Superior Boost)
Cards report within statement cycle
Legal, documented agreements provided
Bundle options with additional consulting

Perfect for: Those who want to boost their score quickly to qualify for funding, loans, or homeownership.

Credit Repair Program

We specialize in strategic credit restoration that’s tailored to your specific situation. Our service includes:

Detailed credit analysis and score breakdown
Dispute resolution with all three credit bureaus (Experian, TransUnion, Equifax)
Removal of inaccurate, outdated, or unverifiable negative items
Personalized game plan to increase your score over time

Perfect for: Individuals looking to remove late payments, collections, charge-offs, repossessions, inquiries, and more.

Client Testimonials

Our clients love us, here are a few of their quotes.

"I went from having no credit score to a 743 in less than 30 days just by being added as an authorized user on one credit card through 800 Credit Collective. I didn’t know it was possible, but I feel empowered to take the next steps in building my credit.

Gary M. | First-Time Credit Builder