Repair your credit,
start your future
ਆਪਣਾ ਕ੍ਰੈਡਿਟ ਸੁਧਾਰੋ — ਆਪਣਾ ਭਵਿੱਖ ਬਣਾਓ
Apna credit sudharo — apna future banao.
Prime Credit helped over 700+ members change their credit across all 3 bureaus. We let you monitor your score in real time, and help you reach your financial goals together.
Pavi Dhillon — Founder of Prime Credit
Personally guiding every member's credit journey
Featured & accredited by
Smarter credit repair, start to finish
From your first report pull to your final dispute, Prime Credit handles the heavy lifting so you can focus on building the life your credit unlocks.
Real-time score tracking
Watch your score climb week over week with live updates from all three bureaus, plus alerts the moment something changes.
3-bureau report scan
Pulls and audits Experian, Equifax, and TransUnion in one place.
Item removal
Targets late payments, collections, charge-offs, and hard inquiries.
Identity protection
24/7 monitoring and alerts that flag fraud before it dents your score.
Expert advisors
Certified credit counselors on call to guide every decision.
What your credit repair timeline looks like
Credit repair isn't overnight — it's a process. Here's exactly what happens from sign-up to a higher score, with realistic timing so you know what to expect.
3-bureau report pull
After you sign up with Smart Credit, your Experian, Equifax, and TransUnion reports are pulled instantly. We audit every account, balance, and inquiry line by line.
- All 3 reports secured
- Full line-item audit
- Free credit summary call
Custom dispute plan
Certified advisors flag inaccurate, outdated, or unverifiable items — late payments, collections, charge-offs, and hard inquiries — and draft legally-grounded dispute letters.
- Targeted item review
- FCRA-based dispute letters
- Plan shared with you
Bureaus respond
Bureaus have 30 days to investigate. We track every response, verify what was removed or corrected, and re-file escalations on anything still reporting inaccurately.
- 30-day response tracking
- Escalation re-filing
- Removal verification
Score climbs & monitor
As items come off, your score rises. We keep monitoring all three bureaus in real time and dispute anything new that shouldn't be there — so your progress sticks.
- Real-time 3-bureau alerts
- Continuous monitoring
- Re-dispute as needed
Timelines vary by bureau response speed and the number of items disputed. Most members see their first removals within 35–45 days of signing up.
Members who took their credit back
Not models or stock photos — real Prime Credit members sharing the scores and approvals they unlocked. Your results will vary based on your credit history.
Maninder S.
Fresno, CA
Before
542
After
731
They got three collections and two late payments off my report. I walked into the dealership and got approved at a rate I never thought possible.
Gurinder S.
Oakley, CA
Before
588
After
759
Six charge-offs wiped clean. My lender couldn't believe the jump. Closed on my first home three months after signing up.
Tasha K.
Ontario, CA
Before
601
After
704
I needed funding for my business and my score was holding me back. Prime Credit disputed the errors and I qualified for the line within two months.
Straight answers to the real questions
No spin, no fine print. Here's what most people want to know before they start.
Still have a question? Our certified advisors are happy to walk you through how the process applies to your specific report.
Get startedStart with Smart Credit, we'll handle the rest
Prime Credit partners with Smart Credit for secure, instant access to your 3-bureau reports. Sign up below, then our advisors take over to build and file your disputes.
Secure external sign-up · Partnered with Smart Credit
What happens after you sign up
Three simple steps from sign-up to filed disputes. We do the heavy lifting — you watch your score climb.
Pull your 3-bureau report
After you sign up with Smart Credit, your Experian, Equifax, and TransUnion reports are pulled instantly so we can audit every line.
We build your dispute plan
Our certified advisors review your reports and flag inaccurate, outdated, or unverifiable items for dispute across all three bureaus.
Disputes filed & tracked
We file legally-grounded dispute letters on your behalf and track every response — re-filing until items are resolved or removed.
Already signed up? Email your Smart Credit confirmation to your Prime Credit advisor and we'll start your dispute plan within 24 hours.
Get startedReady to take your credit back?
Join the Prime Credit members who've raised their scores an average of 225 points. Start with Smart Credit — no commitment, cancel anytime.
Follow the journey on social
Real credit wins, tips, and live Q&As. Join tens of thousands following Prime Credit for daily money moves and score-building advice.
@teampavi
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