We delete negative items.
You only pay when it works.
We work with the creditors and bureaus, so you don't have to. $50 per bureau, up to $150—only after it's verified.
Get a free quote
Real Results
What Our Clients Say
Ashlee Lackey
7 months ago
"Rising Tides Credit Agency truly changed my life. They helped me improve my credit score, and because of their support and guidance, I was finally able to buy a car! The team was professional, patient, and always willing to answer my questions."
Cindy Cox
7 months ago
"Kane Traylor has aided me in just a short few months in repairing my credit by working with previous closed accounts and building well over 100 points to my FICO score. I highly recommend working with Rising Tides if you're in need of building better credit."
Josh Wood
9 months ago
"These guys helped me go from 600 to 740. They have been wonderful and amazing at every opportunity we had encountered. I truly can't believe my credit score is this high now. Great people and my results are better than I expected."
Taylor Golden
3 years ago
"Rising Tides is a godsend of a company! The founder Kane is an extraordinarily dedicated, hardworking, and intelligent advocate. He helped me navigate repairing my credit in a sustainable way tailored to my unique situation."
Jason Collins
1 year ago
"Rising Tides is a tremendous company they helped me in many ways. With their help and dedication I was able to purchase a new truck and was also approved to buy the SxS that I have been wanting for years."
Brandi McGuire
2 years ago
"Rising Tides have been so wonderful to work with. Very caring, very knowledgeable, and always available if you have a need. I would definitely recommend them to anyone that has any credit issues and need some help cleaning it up."
Larissa Lockwood
3 years ago
"I have never met a more dedicated and hard working person than Kane! He truly goes above and beyond for all of his clients and I'm so thankful to have him helping me in this credit repair journey!"
Anthony Abrego
2 years ago
"Rising Tides is a great company that can not only repair your credit score, but provides support and education so you can make better future financial decisions."
Elena Diaz
3 years ago
"If you are looking for a company that cares about helping you, this is the one! Rising Tides will help you improve your credit score while educating you at the same time! I totally recommend you to try them!"
Ryan Schiesser
3 years ago
"Rising Tides has fundamentally changed the way we handle our finances and has helped reshape our credit situation. I highly recommend them for all your credit repair needs!"
Don Smith
3 years ago
"Best decision was to let Rising Tides do their magic on my repair. Very knowledgeable and kept me informed of everything happening and what to expect. Highly recommend! Great people working hard to make sure my needs are met."
Ashlee Lackey
7 months ago
"Rising Tides Credit Agency truly changed my life. They helped me improve my credit score, and because of their support and guidance, I was finally able to buy a car! The team was professional, patient, and always willing to answer my questions."
Cindy Cox
7 months ago
"Kane Traylor has aided me in just a short few months in repairing my credit by working with previous closed accounts and building well over 100 points to my FICO score. I highly recommend working with Rising Tides if you're in need of building better credit."
Josh Wood
9 months ago
"These guys helped me go from 600 to 740. They have been wonderful and amazing at every opportunity we had encountered. I truly can't believe my credit score is this high now. Great people and my results are better than I expected."
Taylor Golden
3 years ago
"Rising Tides is a godsend of a company! The founder Kane is an extraordinarily dedicated, hardworking, and intelligent advocate. He helped me navigate repairing my credit in a sustainable way tailored to my unique situation."
Jason Collins
1 year ago
"Rising Tides is a tremendous company they helped me in many ways. With their help and dedication I was able to purchase a new truck and was also approved to buy the SxS that I have been wanting for years."
Brandi McGuire
2 years ago
"Rising Tides have been so wonderful to work with. Very caring, very knowledgeable, and always available if you have a need. I would definitely recommend them to anyone that has any credit issues and need some help cleaning it up."
Larissa Lockwood
3 years ago
"I have never met a more dedicated and hard working person than Kane! He truly goes above and beyond for all of his clients and I'm so thankful to have him helping me in this credit repair journey!"
Anthony Abrego
2 years ago
"Rising Tides is a great company that can not only repair your credit score, but provides support and education so you can make better future financial decisions."
Elena Diaz
3 years ago
"If you are looking for a company that cares about helping you, this is the one! Rising Tides will help you improve your credit score while educating you at the same time! I totally recommend you to try them!"
Ryan Schiesser
3 years ago
"Rising Tides has fundamentally changed the way we handle our finances and has helped reshape our credit situation. I highly recommend them for all your credit repair needs!"
Don Smith
3 years ago
"Best decision was to let Rising Tides do their magic on my repair. Very knowledgeable and kept me informed of everything happening and what to expect. Highly recommend! Great people working hard to make sure my needs are met."
Ashlee Lackey
7 months ago
"Rising Tides Credit Agency truly changed my life. They helped me improve my credit score, and because of their support and guidance, I was finally able to buy a car! The team was professional, patient, and always willing to answer my questions."
Cindy Cox
7 months ago
"Kane Traylor has aided me in just a short few months in repairing my credit by working with previous closed accounts and building well over 100 points to my FICO score. I highly recommend working with Rising Tides if you're in need of building better credit."
Josh Wood
9 months ago
"These guys helped me go from 600 to 740. They have been wonderful and amazing at every opportunity we had encountered. I truly can't believe my credit score is this high now. Great people and my results are better than I expected."
Taylor Golden
3 years ago
"Rising Tides is a godsend of a company! The founder Kane is an extraordinarily dedicated, hardworking, and intelligent advocate. He helped me navigate repairing my credit in a sustainable way tailored to my unique situation."
Jason Collins
1 year ago
"Rising Tides is a tremendous company they helped me in many ways. With their help and dedication I was able to purchase a new truck and was also approved to buy the SxS that I have been wanting for years."
Brandi McGuire
2 years ago
"Rising Tides have been so wonderful to work with. Very caring, very knowledgeable, and always available if you have a need. I would definitely recommend them to anyone that has any credit issues and need some help cleaning it up."
Larissa Lockwood
3 years ago
"I have never met a more dedicated and hard working person than Kane! He truly goes above and beyond for all of his clients and I'm so thankful to have him helping me in this credit repair journey!"
Anthony Abrego
2 years ago
"Rising Tides is a great company that can not only repair your credit score, but provides support and education so you can make better future financial decisions."
Elena Diaz
3 years ago
"If you are looking for a company that cares about helping you, this is the one! Rising Tides will help you improve your credit score while educating you at the same time! I totally recommend you to try them!"
Ryan Schiesser
3 years ago
"Rising Tides has fundamentally changed the way we handle our finances and has helped reshape our credit situation. I highly recommend them for all your credit repair needs!"
Don Smith
3 years ago
"Best decision was to let Rising Tides do their magic on my repair. Very knowledgeable and kept me informed of everything happening and what to expect. Highly recommend! Great people working hard to make sure my needs are met."
Not ready for a subscription?
We offer both options. Our pay-for-delete model means you only pay when we successfully remove negative items from your report.
| Feature | Subscription |  Pay-for-Delete |
|---|---|---|
| Upfront fees | ||
| Monthly payments | ||
| Pay only when items are deleted | ||
| Fixed cost per deletion | ||
| 90-day money-back guarantee | ||
| Cancel anytime |
$50 per bureau. $150 max.
No monthly fees. No upfront costs. Pay only for verified deletions.
per bureau removed
Pay only after deletions are verified
Simple 4-step process.
From sign-up to results, here's exactly what to expect.
Your Pay-for-Delete Timeline
Most clients see first deletions within 30-45 days
Import Your Reports
Day 1Connect your SmartCredit account and we'll import your reports from all three bureaus.
We Find Errors
Day 1-2Our team identifies inaccuracies, outdated info, and items that shouldn't be there.
Disputes Sent
Days 2-45We send strategic dispute letters to bureaus and creditors. Responses take 30-45 days.
You Pay for Results
After DeletionOnly after deletions are confirmed—$50 per bureau, up to $150 for all three.
Advanced disputing methodologies.
We don't just send generic dispute letters. Our team uses proven legal strategies and industry expertise to maximize deletions.
FCRA & FDCPA Violations
We identify reporting errors and legal violations that creditors must correct by law.
Metro 2 Compliance
Credit reporting follows strict formatting rules. We find technical violations others miss.
Direct Creditor Negotiations
We contact original creditors directly to negotiate removal in exchange for payment.
Validation Demands
Creditors must prove debts are valid. Many can't provide proper documentation.
Rapid Response Disputes
Strategic timing ensures bureaus respond within legal timeframes or must delete.
Goodwill Interventions
For legitimate debts, we craft compelling goodwill letters that get results.
Real people. Real results.
Join hundreds who've transformed their credit with our pay-for-delete program.
"There's power in knowing exactly what you'll pay. Rising Tides only charges when they deliver results. My score went up 139 points!"
"I didn't pay a dime until they actually removed items from my report. No upfront fees, no monthly charges."
"Well over 100 points added to my FICO score in just months. Kane and his team are incredibly dedicated."
"Fundamentally changed the way we handle our finances. They removed 12 negative items."
"Kane is extraordinarily dedicated and intelligent. Best credit repair decision I ever made."
"Unlike other companies, there's no subscription. Just pay for results. That's how it should be."
Frequently asked questions.
Everything you need to know about our pay-for-delete program.
Ready for a fresh start?
See exactly what we can remove from your credit report. No commitment, no credit card required.
Start your free analysis
Import your credit report and we'll show you exactly what we can remove.
Get Your Free Quote