​Spearhead Credit Solutions was started to help people accomplish their dream of buying a home, or start a business and to rid the burden of bad credit. ​

Spearhead Credit Solutions is here to help you fix your credit. Raise your credit scores so you can buy your dream home at an interest rate that can save you tens of thousands of dollars over the course of a mortgage, or to qualify for that loan you’ve been needing to open up your own business. Even if you just want to buy a new car or secure a new line of credit at the best interest rate possible, Spearhead Credit Solutions is at your service. 
​Our promise to you is to use the most aggressive, goal oriented, and result driven tactics as possible.
Spearhead Credit Solutions is an insured and bonded, registered with the Department of Justice credit repair company. Our goal is to get you results as quickly as possible. ​​We dispute directly with the credit bureaus and creditors from the very beginning to help shorten the dispute process time. 
 Although every clients situation is unique, the process for fixing and building your  credit will roughly follow the same steps. We follow a comprehensive strategy to help our clients reach their goals. Our philosophy helps clients obtain the financing and credit they were seeking.
We investigate  client accounts with both the credit bureaus and the reporting companies to ensure the correction or deletion of negative  accounts. Once all items are updated, removed, or verified, we proceed to the next step.
​Depending on the account type, age, balance, and client goals, typically during this step, we advise clients. In  some situations, derogatory accounts that report a balance and have been verified must be settled or paid to improve the client’s credit standing.
The final step involves the evaluation of your positive credit history. In some cases, the removal of negative credit can actually decrease your  credit score if there is not sufficient positive credit to replace it, so building positive credit in a managed fashion is just as important as resolving negative credit. 
After all accounts are resolved and reporting positively, we provide  you  with credit building strategies to continue the improvement of your  credit standing. To optimize the credit score, we recommended that you strive for the ideal combination of credit accounts: a mortgage account, an installment account such as a personal or auto loan, and a traditional credit card.

​Once these steps are completed successfully, your  credit should be in the best possible standing. We continue to guide you  with successful credit strategies and encourage you to maintain your positive reporting efforts. If you're able to keep payments current and utilization rates low, then you  will be on your way to credit success. Prematurely establishing new credit or attempting to obtain multiple positive accounts at once can be detrimental. It can increase the chance of collection or legal activity against you.
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Our client’s must have a commitment to the process to have the best success with credit repair In order to complete the program quickly and with the best results possible, our clients  must be ready to be proactive throughout the recommended steps. Because of this, it is vital to encourage you to participate hands-on in the credit repair process. You must  commit to:
  • Communicating consistently
  • Having an active   IdendtityIQ  credit monitoring account throughout the whole credit repair process-- credit monitoring allows us to import all 3 of your credit reports and to continue to import all 3 of your updated credit reports as the process goes on.
  • Forwarding received responses in a timely manner – the responses provide vital information for us to formulate our custom responses and allows us to update the accounts to the appropriate bureaus as soon as possible
  • Avoid any further derogatory actions, such as new late payments or collection accounts, increasing open credit card balances, or submitting new credit applications
  • Be willing to add positive credit at the time deemed appropriate to further increase credit status

The best part is of all of this time-proven strategy is that through all of these steps, we do the heavy lifting for you.  We’ll handle the rest. We pride ourselves in transparency, so every step we take is available for you to view in your own secure client portal.

WHAT YOU WILL GET!

​​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.​

HOW IT WORKS

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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

You Only Pay For The Results You Get!

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and credit analysis