The Solution for Busy People.
Repair Credit and Get Out of Debt!
Your credit score matters more than ever. Employers, insurers, landlords, mortgage providers, banks, business partners, and even potential partners are all scrutinizing it to gauge your financial responsibility and life management skills.
100% money-back guarantee
ZumaZip has garnered extensive coverage, featured in over 1200 news articles, showcasing numerous satisfied clientele attaining superior outcomes. With ZumaZip, clients navigate debt disputes swiftly and effectively, capitalizing on our comprehensive suite of service
Can My Credit be Repaired?
It doesn't matter how bad your credit is. yes we can repair it.
No credit is too bad!
Stop collectors' harassing you through incessant phone calls and letters.
Improve credit score
No credit is beyond repair! wE'VE SEEN IT ALL— once had a score in the 400s. Now, scores just under 800 and climbing every month.
$11.95
Portal Activation fee gets you started
Package includes:
- Includes Up to 1 Year of Services if Needed
- FREE Credit Report Audit and Goal Setting Review Consultation.
- 24/7/365 Online Customer Service Portal to See Results.
- Live Customer Service During Business Hours.
- Payment Reminders
- Credit Bureau Disputes
- Original Creditor & Debt Collector Direct Disputes and Validations
- Start Seeing Results in 45 Days or Less* (Not Finished Results or Promise of Completion of Your Credit Repair Needs)
- Only Pay $11.95 To Start includes ZumaZip's Guide To Good Credit eBook for FREE.
- Total Service Fee is $775 per Client
Total Service Fee is $775 - Plans below offer choices to make it easier to pay. Discounts available for Paid in Full and Couples Plans.
Want to fix your credit but feeling lost? Not sure who to trust or what steps to take? Keep reading, because I'm here to guide you through it all.
Unlock Your Credit Repair Journey with Our Trusted 8-Point System!
*Bankruptcies can stay on your reports up to 10 years, Judgement's can stay on as long as they are not resolved with the original creditor or debt collection company. All other items must be automatically removed after 7 years by each credit reporting agency.
Are you tired of feeling like your credit is holding you back? Say goodbye to cookie-cutter solutions and hello to personalized credit repair tailored just for you!
At ZumaZip we believe that credit repair isn’t one-size-fits-all. We understand that everyone faces unique credit challenges, and that’s why we’re here to help. Our team conducts a comprehensive evaluation of your specific credit situation and crafts a customized plan of action to help you achieve your financial goals.
Whether you’re dreaming of owning a home, driving off the lot in a new car, securing a loan, or simply seeking the confidence that comes with good credit standing, we’ve got you covered.
With our streamlined process, you can be up and running in just 2 days, taking the first steps toward repairing your credit and breaking free from debt. And the best part? We start working on your file 100% from day one, ensuring that you see results quickly.
For just $11.95 to get started, plus four affordable payment plans, repairing your credit has never been more accessible. Plus, with our 100% Moneyback Guarantee, you can rest assured that your satisfaction is our top priority.
In today’s world, your credit score is more important than ever. From employers and insurance companies to landlords and potential partners, your financial reputation speaks volumes about your responsibility and reliability.
We understand that trusting a credit repair company can be daunting, especially if you’ve had negative experiences in the past. That’s why we’ve developed our exclusive “8 Point Validation System” to guarantee results. Don’t just take our word for it—check out the videos and testimonials from our satisfied customers and see the difference for yourself.
Don’t let bad credit hold you back any longer. Take control of your financial future and let ZumaZip unlock a world of possibilities today!
Before and After Case Study From Real Customers.
Check Out The Results Below:
Start Seeing Results in 45-60 Days!
(We cannot say a specific day your file will be finished due to 3rd party reviews and your specific credit repair needs)
Check Out The Results Below:
How it works
How long will it take to get started?
1 to 10 days for all your documents to be processed. Depending upon how many negative items, such as collections, ID Theft, Unverified Items, Duplicated Items, Charge-offs, Write-offs, Unauthorized Inquires, etc. That will determine how much time and work will be needed to accomplish your goal of credit repair. We will take the time over the phone or in person with you to discuss each item on your credit reports and get to work so you can start moving forward and having good credit again.
What type of items can really be removed off my credit reports?
Any item(s) that are inaccurate, outdated or unverifiable can be removed from your credit reports. Items that are verifiable such as old collection accounts and public records can be removed with creditor participation. During your credit repair process we will also send communications via mail requesting full validation of any collection account. If these are not fully validated they will get removed from your credit reports.
What all do I need to get started?
To properly repair your credit we will need a copy of your ID to verify you are really who you are. We will also need a copy of a bill that is addressed to your name and your current mailing address. We will need your social security number to validate and connect your social security number to your verified name and address. We also need current copies of all 3 credit reports from Transunion, Equifax and Experian. We need them so we can see the exact account names, numbers and addresses of furnishers that put the negative information on your reports. We also need your current credit scores so both of us can see your improvements from the work we are doing. If you have a paid monitoring service we can use it, if you don't we have a provide that we will refer you too to get all your reports, scores and monthly monitoring services. They charge $27.99 per month but that's really nothing because you are serious about repairing your credit.
When will I start seeing results?
Your file is fully completed with in 2 days and sent off to all 3 credit reporting agencies. You will receive responses from them with in 30 - 45 days depending upon the workflow at their locations. They will respond individually, they are not the same company and they don't determine their results by what the other one decides to do. If you have a credit monitoring service you will get results posted with in 25 to 35 days because you don't have to wait for information to be mailed. You will also get "Alerts" telling you about changes made to your reports.
When will my credit score go up?
Usually with in 30-45 days you will see changes in your credit scores from the changes made on your reports. We've seen dramatic increases in that time frame but you must understand that your credit score is not only determined by having negative item(s) removed. It is also determined by the current credit you are also paying on, your debt to credit utilization ratio, debt to income ratio and the amount of payments you've made on your good standing accounts. As we work through the process we will guide you on how to increase your credit scores faster.
Tell me why I should trust you and not another company or do it myself?
First I've been helping people in my community for 27 years. I take this business very serious because if you have bad credit you will be taken advantage of and you'll never reach your full financial potential. I want you to be able to save money now and for your future, plus live a nice comfortable life. Having good credit is the key to open all the doors in your life! If you have good credit you won't pay more for the same things people with good credit pay less for. You'll pay lower interest rates on your mortgage, lower car payments, lower credit card rates. You'll have more self esteem and higher confidence to move forward in your life.
Why my company and not another?
Because they just don't do it how we do. They don't understand what we go through when we have bad credit. They don't understand how we've tricked into bad loans, credit cards, auto loans, etc. They make you pay upfront or in a week and we allow you to wait for 30 days before we get a service payment.
Why shouldn't you do it yourself?
I think anyone who puts 100% of their attention on something can accomplish that goal. The problem is we have to prioritize and if we don't know something we will need to get the education to do it right or we might make some critical mistakes. If you do it yourself you will need to quote the laws according to the Fair Credit Reporting Act and Fair Debt Collection Practices Act. If you do this wrong you can make your credit worse and making it harder to repair.
Ok you I'm getting closer to signing up but tell me how much and are there any hidden fee's, cost, or charges?
We only charge $11.95 Portal Activation upfront. After 14 days you will have your first service payment charge click here to see our payment plans
What is your guarantee?
(The ZumaZip Guarantee) If your credit and credit scores are not improved my company will refund your service payments. You are required to provide results from each credit bureau as you receive them. If your account requires debt settlement negotiations you are also required to fulfill any settlement payments that you arrange with your creditors, debt collectors, IRS (State or Federal), loan accounts. If you follow my plan there is
ZumaZip solution
ABSOLUTELY NO WAY WE CAN FAIL. (NOTE DEBT SETTLEMENT - This is done by instructing you on how to contact your creditors/debt collectors and offering a proposed settlement for the outstanding account. We do not collect funds or transfer funds on your behalf to the collector. You will be required to do the follow up payment(s)
Choose Your Pricing Plan
Credit Repair Services Plan A
$11.95 To Start then after 14 Days 14 Bi-Weekly Payments of $55.36 until total service fee of $775 is paid.
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Includes Up to 1 Year of Services if Needed
-
FREE Credit Report Audit and Goal Setting Review Consultation.
-
24/7/365 Online Customer Service Portal to See Results.
-
Live Customer Service During Business Hours.
-
Payment Reminders
-
Credit Bureau Disputes, Original Creditor & Debt Collector Direct Disputes and Validations
-
Start Seeing Results in 45 Days or Less* (Not Finished Results or Promise of Completion of Your Credit Repair Needs)
-
Only Pay $11.95 To Start includes ZumaZip's Guide To Good Credit eBook for FREE.
-
Total Service Fee is $775
Credit Repair Services Plan B
$11.95 To Start then after 14 Days 7 Monthly Payments of $110.71 until total service fee of $775 is paid.
-
Includes Up to 1 Year of Services if Needed
-
FREE Credit Report Audit and Goal Setting Review Consultation.
-
24/7/365 Online Customer Service Portal to See Results.
-
Live Customer Service During Business Hours.
-
Payment Reminders
-
Credit Bureau Disputes, Original Creditor & Debt Collector Direct Disputes and Validations
-
Start Seeing Results in 45 Days or Less* (Not Finished Results or Promise of Completion of Your Credit Repair Needs)
-
Only Pay $11.95 To Start includes ZumaZip's Guide To Good Credit eBook for FREE.
-
Total Service Fee is $775
Credit Repair Services Plan C
$11.95 To Start then after 14 Days 4 Monthly Payments of $193.75 until total service fee of $775 is paid.
-
Includes Up to 1 Year of Services if Needed
-
FREE Credit Report Audit and Goal Setting Review Consultation.
-
24/7/365 Online Customer Service Portal to See Results.
-
Live Customer Service During Business Hours.
-
Payment Reminders
-
Credit Bureau Disputes, Original Creditor & Debt Collector Direct Disputes and Validations
-
Start Seeing Results in 45 Days or Less* (Not Finished Results or Promise of Completion of Your Credit Repair Needs)
-
Only Pay $11.95 To Start includes ZumaZip's Guide To Good Credit eBook for FREE.
-
Total Service Fee is $775
Credit Repair Services Plan D
PAID IN Full $625
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Includes Up to 1 Year of Services if Needed
-
FREE Credit Report Audit and Goal Setting Review Consultation.
-
24/7/365 Online Customer Service Portal to See Results.
-
Live Customer Service During Business Hours.
-
Payment Reminders
-
Credit Bureau Disputes, Original Creditor & Debt Collector Direct Disputes and Validations
-
Start Seeing Results in 45 Days or Less* (Not Finished Results or Promise of Completion of Your Credit Repair Needs)
-
Only Pay $11.95 To Start includes ZumaZip's Guide To Good Credit eBook for FREE.
-
Total Service Fee is $775
Credit Repair Services Couples Plan E
$192.86 for 7 Months Until $1,350 Service Fee is Paid. Save $200.00.
-
Includes Up to 1 Year of Services if Needed
-
FREE Credit Report Audit and Goal Setting Review Consultation.
-
24/7/365 Online Customer Service Portal to See Results.
-
Live Customer Service During Business Hours.
-
Payment Reminders
-
Credit Bureau Disputes, Original Creditor & Debt Collector Direct Disputes and Validations
-
Start Seeing Results in 45 Days or Less* (Not Finished Results or Promise of Completion of Your Credit Repair Needs)
-
Only Pay $11.95 To Start includes ZumaZip's Guide To Good Credit eBook for FREE.
-
Total Service Fee is $775
Credit Repair Services Couples Plan F
PAID IN Full $1,250
-
Includes Up to 1 Year of Services if Needed
-
FREE Credit Report Audit and Goal Setting Review Consultation.
-
24/7/365 Online Customer Service Portal to See Results.
-
Live Customer Service During Business Hours.
-
Payment Reminders
-
Credit Bureau Disputes, Original Creditor & Debt Collector Direct Disputes and Validations
-
Start Seeing Results in 45 Days or Less* (Not Finished Results or Promise of Completion of Your Credit Repair Needs)
-
Only Pay $11.95 To Start includes ZumaZip's Guide To Good Credit eBook for FREE.
-
Total Service Fee is $775
Completing a Debt Validation Letter is the best course of action.
A Debt Validation Letter, sent by a consumer (You) to a debt collector, asserts rights under the Fair Debt Collection Practices Act (FDCPA). It demands proof of the debt’s validity, cessation of contact for any other purpose, and insistence on reporting the debt as disputed.
Many debt collectors will just give up after receiving a Debt Validation Letter.
Completing a Debt Validation Letter is the best course of action.
A Debt Validation Letter, sent by a consumer (You) to a debt collector, asserts rights under the Fair Debt Collection Practices Act (FDCPA). It demands proof of the debt’s validity, cessation of contact for any other purpose, and insistence on reporting the debt as disputed.
Many debt collectors will just give up after receiving a Debt Validation Letter.
Look what People say who Zipped through Debt Disputes
Here Is the ZumaZip Guarantee
We assure your satisfaction with our services at ZumaZip, maintaining a commitment to excellence in litigation preparation support. Should you find any aspect of our services unsatisfactory, please reach out to us promptly for resolution or a refund. It’s important to note, however, that while we strive to provide exemplary support, we cannot guarantee the specific outcome of your legal proceedings. Instances such as an unfavorable court decision following the filing of your Answer are outside our purview and not covered under this guarantee. We appreciate your understanding of these limitations.
Over $1 Billion
PROTECTED
Over 200,000+
PEOPLE LIKE YOU HELPED
Protect your rights and defend yourself effectively.
Respond promptly to a collection attempt within 30 days by sending a Debt Validation Letter. Defending yourself can be accomplished in just five minutes.
Begin Your Solution Today: Just 15 Minutes to Take Control.
Fix Your Credit and Increase Your Credit Score!
You could even get out of paying some or all of your outstanding debt collectors legally without filing bankruptcy. (These are debts that have either passed the statute of limitations or cannot be accurately validated by the debt collector that purchased the debt.)
Begin Your Solution Today: Just 15 Minutes to Take Control.
ZumaZip has your back
And we’ve got you covered in all 50 states.
FULL DISCLOSURE PLEASE READ:
We cannot guarantee a specific result. Credit repair involves 3rd party credit reporting agencies, creditors and furnishers (such as: collection agencies) because of that we cannot guarantee a specific time-frame to complete your credit repair and we cannot guarantee a specific result.
If you feel that a misrepresentation was made by an employee of our company please immediately call our office. We will always be available during business hours to assist with your question and concerns. You also have the option to cancel at anytime.