Demo Template · A credit repair website by Launch Labz — Use this template
Private credit restoration for Atlanta professionals
hello@ashcroftcredit.com · (404) 555-0139 ·
Private. CROA-Compliant. Atlanta-Based.

A higher score. A better life.

Ashcroft Credit Co. is a private credit restoration firm helping Atlanta professionals, homeowners, and entrepreneurs remove inaccuracies, rebuild their scores, and unlock better financing — legally, methodically, and without drama.

Book Free Consultation → How It Works
CROA-Compliant Firm State-Registered in GA 12+ Years in Practice
Isabella Mendez, Founder of Ashcroft Credit Co., in the firm's Atlanta offices
CROA-Compliant State-Registered Bonded & Insured Est. 2012 25,000+ Clients Served 4.9 ★ · 342 Reviews
The Numbers

Results clients can measure.

We don't promise outcomes. We track and publish what we've actually delivered since 2012.

0
Avg Score Gained
0
Clients Served
0
Items Removed

Figures reflect cumulative results across active program clients since 2012. Individual results vary. Credit repair outcomes are never guaranteed under federal law.

Our Services

A full-service credit restoration firm.

Six core specialties, handled in-house by licensed credit strategists and supported by consulting attorneys. One program. One accountable team.

Credit Report Audit

Line-by-line analysis of all three bureau reports. We flag every item we can legally challenge — and explain why.

Learn More

Three-Bureau Disputes

Strategic disputes filed across Equifax, Experian, and TransUnion under FCRA §611. Tracked, escalated, and documented.

Learn More

Creditor Negotiation

Pay-for-delete letters, goodwill requests, and settlement negotiations with the creditors already on your report.

Learn More

Credit Monitoring

Continuous three-bureau monitoring with identity-theft insurance and instant alerts on new inquiries or accounts.

Learn More

Score Building Strategy

Credit mix optimization, utilization management, and authorized-user strategy to build positive payment history faster.

Learn More

Homebuyer Readiness

Mortgage-ready credit preparation working alongside your lender — often shaving weeks off underwriting.

Learn More
How It Works

A process built around the law.

Everything we do is rooted in the Fair Credit Reporting Act and the Credit Repair Organizations Act. Nothing happens without your written consent.

Free Consultation

A 30-minute no-obligation conversation. We pull your tri-merge report, identify what's disputable, and explain your options.

Credit Audit

Comprehensive audit across all three bureaus. You receive a written action plan with every flagged item and the legal basis for dispute.

Dispute & Negotiate

We file disputes, escalate inadequate responses, and negotiate directly with creditors. You see everything in your client portal.

Monitor & Build

Ongoing three-bureau monitoring, score-building strategy, and re-dispute of any improperly re-inserted items.

Programs

Transparent pricing. No upfront fees.

Under CROA, we never charge for services that haven't been performed. All programs billed monthly, cancel anytime, no hidden fees.

Essential

For clients with a handful of flagged items.

$79/month
  • Monthly three-bureau disputes
  • Creditor negotiation (up to 5 accounts)
  • Basic credit monitoring
  • Client portal access
  • Monthly progress reports
Choose Essential
Most Popular

Premium

Full-service restoration for serious rebuild.

$129/month
  • Everything in Essential
  • Unlimited creditor negotiation
  • Pay-for-delete letter campaigns
  • Three-bureau monitoring + ID theft coverage
  • Score-building strategy sessions
  • Dedicated credit strategist
Choose Premium →

Elite

Concierge program for homebuyers and high-stakes timelines.

$199/month
  • Everything in Premium
  • Priority dispute handling
  • Homebuyer readiness program
  • Lender coordination & underwriting support
  • Direct attorney consultation hours
  • Same-day response on urgent items
Choose Elite

A one-time $99 audit fee covers the initial tri-merge report pull and written action plan. CROA prohibits charging for future services — all monthly fees are for work already performed.

Client Results

Real scores. Real timelines.

Every testimonial below reflects an actual client outcome — with the starting and ending score documented. Names shortened for privacy.

547→712
★★★★★

"I'd been turned down for a mortgage twice. The Ashcroft team audited my report in a week and found six items that shouldn't have been there. Eight months later I closed on my first home."

AT
Ashley T.Buckhead · Homebuyer
612→780
★★★★★

"I thought credit repair was a scam until a friend referred me. Every month I got a written update with what they filed and what came back. Eleven months in, my score unlocked the business loan I needed."

MW
Marcus W.Midtown · Entrepreneur
489→704
★★★★★

"My divorce left my credit a mess. Ashcroft walked me through every step, coordinated with my attorney, and rebuilt my profile without any of the pressure I'd felt from other firms."

LP
Lena P.Decatur · Post-Divorce Rebuild
Isabella Mendez, Founder and Chief Credit Strategist at Ashcroft Credit Co.
Isabella Mendez
Founder · Chief Credit Strategist
About Ashcroft

Built by a former loan officer. For everyone she couldn't help.

Before starting Ashcroft, Isabella spent nine years underwriting mortgages in Atlanta. Over and over, she watched qualified buyers — nurses, small-business owners, single parents rebuilding after a divorce — get denied over reporting errors they didn't even know were on their reports.

"The system wasn't broken. It was just quietly expensive to the people who couldn't afford the mistake."

Ashcroft opened in 2012 with one rule: every dispute is grounded in federal law, every client gets the same process regardless of score, and no one pays for work that hasn't been done. Twelve years and 25,000+ clients later, that rule hasn't changed.

Book a Consultation → Our Process
Service Area

Atlanta & the Greater Metro.

We serve clients across the Atlanta metro in-person and nationwide via our secure client portal. Local in-office consultations available by appointment.

Buckhead 30326 Midtown 30308 Decatur 30030 Brookhaven 30319 Sandy Springs 30328 Virginia-Highland 30306 Inman Park 30307 Marietta 30060
Book Free Consultation →
Atlanta, GAGreater Metro & Nationwide Remote
Frequently Asked

What every client asks first.

The Credit Repair Organizations Act (CROA) is a federal law that regulates how credit repair services operate. It requires firms to give consumers clear contracts, a 3-day cancellation right, and prohibits charging fees before services are performed. Ashcroft is fully CROA-compliant and registered under Georgia's Fair Business Practices Act.

No credible credit repair firm can guarantee specific score outcomes — and federal law prohibits such promises. What we can do is identify inaccurate, outdated, or unverifiable items on your report and dispute them through the proper legal channels. Our average client gains 89 points over 12 months, but individual results always vary.

Most clients see meaningful progress within 3 to 6 months, with full program results over 9 to 18 months. Timelines depend on the complexity of your report, the accuracy of disputed items, and how responsive creditors and bureaus are.

Under the Fair Credit Reporting Act (§611), any item that is inaccurate, outdated, incomplete, unverifiable, or misleading can be disputed. This includes late payments, collections, charge-offs, bankruptcies, and inquiries that don't belong to you or cannot be verified by the furnisher within 30 days.

Yes. You have the legal right to dispute inaccurate items on your credit report yourself at no cost, directly with the credit bureaus. We're transparent about that right upfront — it's required under CROA. Our clients hire us for the systematic process, legal framework, and direct relationships with creditors that move disputes faster than a DIY approach typically can.

No. The dispute process itself does not lower your credit score. If a disputed item is verified by the furnisher and stays on your report, there is no score impact. If it's removed, your score typically improves. This is a common misconception we clear up in every consultation.

Under the FCRA, a creditor who re-inserts a previously removed item must notify you within 5 business days. We monitor your reports continuously and re-dispute any improperly re-inserted items at no additional cost during your program.

Book a Free Consultation

30 minutes. Zero obligation. Total clarity.

Every engagement starts the same way — a no-pressure consultation where we pull your tri-merge report, identify what's disputable, and tell you honestly whether we can help.

Office3350 Peachtree Road NE, Suite 1500
Atlanta, GA 30326
HoursMon–Fri 9am–6pm · Sat 10am–2pm · Remote & in-office

Request Consultation

We'll reply within one business day with a calendar link.

By submitting, you agree to be contacted about your consultation. We never share your information. You have the right to cancel any agreement within 3 business days under CROA §1679e.

Ready When You Are

You've earned more than what's on your report.

Book a free, confidential consultation. In 30 minutes, we'll tell you honestly what's possible — and what's not.

Book Free Consultation → Call (404) 555-0139
Free Consultation →