100% Legal • FCRA-Based • USA & Canada

Fix Your Credit. Build Your Future.

Remove inaccurate derogatory entries, build positive credit history, and establish business credit — all through legal, proven processes under the Fair Credit Reporting Act.

See Our Services
30 daysfirst results
FCRAlegal basis
3bureaus covered
FreeVPN + email

Our Services

Choose the service that fits your situation. Every plan includes a free VPN account and @x-tc.com email.

Credit Repair - Derogatory Removal
Credit Repair - Derogatory Removal
$299.99
We dispute and remove inaccurate, unfair, or unverifiable derogatory entries from your Equifax, Experian, and TransUnion reports using your legal rights under the FCRA (USA) and provincial Consumer Reporting Acts (Canada).
  • Dispute all 3 bureaus
  • Remove late payments, collections, charge-offs
  • FCRA/CRA-based legal process
  • 6-month follow-up
  • Free VPN + @x-tc.com email
Get Started — $299.99
Credit Building Program
Credit Building Program
$199.99
A guided 6-month program to build positive credit history from scratch or rebuild after setbacks. We set you up with the right accounts and coach you every step.
  • Secured card setup assistance
  • Authorized user tradelines
  • Credit builder loan guidance
  • Monthly score tracking
  • Free VPN + @x-tc.com email
Get Started — $199.99
Business Credit Builder
Business Credit Builder
$399.99
Build business credit on your EIN (USA) or Business Number (Canada) — completely separate from your personal credit. We set up vendor tradelines and register you with D&B and Experian Business.
  • EIN (USA) / BN (Canada) credit profile
  • D&B DUNS number setup
  • Experian Business registration
  • Starter vendor tradelines
  • Keeps personal credit separate
Get Started — $399.99
EIN & Business Formation
EIN & Business Formation
$249.99
We handle the paperwork: file your EIN with the IRS (USA) or Business Number with CRA (Canada), set up your LLC or sole proprietorship, register with Dun & Bradstreet, and get you GST-ready.
  • IRS EIN filing (USA)
  • CRA Business Number + GST (Canada)
  • LLC or sole prop setup
  • D&B DUNS registration
  • Done within 5 business days
Get Started — $249.99
Full Credit Restoration
Full Credit Restoration
$499.99
Our all-inclusive package: derogatory removal across all bureaus + credit building program + business credit setup + 6 months of 1-on-1 coaching. The complete fresh start.
  • Everything in Credit Repair
  • Everything in Credit Building
  • Business credit + D&B setup
  • 6 months 1-on-1 coaching
  • Free VPN + @x-tc.com email
Get Started — $499.99
Credit Counseling Session
Credit Counseling Session
$149.99
A comprehensive 1-on-1 financial assessment with a credit specialist. Get a custom strategy, debt management plan, and actionable steps tailored to your situation.
  • Full credit report analysis
  • Custom improvement strategy
  • Debt management plan
  • Budgeting framework
  • Free VPN + @x-tc.com email
Get Started — $149.99
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How It Works

Simple, transparent process — you're in control the entire time.

Choose Your Service

Select the package that fits your needs. Pay securely via card, PayPal, Interac, or Zelle.

We Analyze Your Reports

We pull your credit reports from all 3 bureaus and identify every item eligible for dispute.

We File Legal Disputes

Using your rights under the FCRA, we dispute inaccurate, unfair, or unverifiable entries with each bureau.

Items Get Removed

Bureaus must investigate within 30 days. Items they can't verify are legally required to be removed.

We Build Your Credit

We help you establish positive tradelines, secured accounts, and credit-building strategies.

Ongoing Support

6 months of professional coaching to maintain and grow your improved credit profile.

What Can Be Removed?

Under the FCRA, any item that is inaccurate, outdated, or unverifiable must be removed.

✕ Late Payments
✕ Collections
✕ Charge-Offs
✕ Bankruptcies
✕ Judgments
✕ Repossessions
✕ Foreclosures
✕ Hard Inquiries
✕ Medical Debt
✕ Tax Liens
✕ Student Loan Defaults
✕ Identity Theft Items

Client Results

Real stories from people who took control of their credit.

★★★★★
"They removed 6 derogatory items from my Equifax report in the first round of disputes. My score jumped 95 points in 45 days. Everything was done legally through the FCRA — I verified it myself."
— John D., New York, USA
★★★★★
"The credit building program was exactly what I needed after my divorce. They set me up with secured cards and tradelines, and coached me every month. Went from 520 to 710 in 5 months."
— Emily R., Toronto, Canada
★★★★★
"Got the Full Restoration package. They cleaned up my personal credit AND set up my business credit with a D&B number. Now I can get vendor accounts without touching my personal score."
— David K., Vancouver, Canada

Frequently Asked Questions

Everything you need to know about our credit services.

Is this legal? How does it work?
100% legal. The Fair Credit Reporting Act (FCRA) gives every consumer the right to dispute inaccurate, misleading, or unverifiable information on their credit reports. Credit bureaus must investigate within 30 days and remove anything they cannot verify. We exercise this right on your behalf through formal dispute letters. This is the same legal process used by every credit repair company in the United States and similar provisions exist under Canadian law.
What derogatory items can be removed?
Any item that is inaccurate, outdated (beyond the 7-year reporting limit), or unverifiable can be disputed and removed. This includes late payments, collections, charge-offs, bankruptcies, judgments, repossessions, foreclosures, medical debt, tax liens, and hard inquiries. We analyze your full report and dispute every eligible item.
How long until I see results?
Most clients see initial results within 30-45 days after the first round of disputes. Full credit restoration typically takes 3-6 months depending on the number and complexity of items. We provide monthly progress updates throughout.
Do you guarantee specific results?
We cannot guarantee specific score increases or that every item will be removed — no legitimate company can. What we guarantee is that every eligible item on your report will be properly disputed using the legal process. Results depend on the accuracy of the original reporting.
What is EIN-based business credit?
An EIN (Employer Identification Number) is issued by the IRS for your business. Business credit built on your EIN is completely separate from your personal credit (SSN). We help you get your EIN, register with Dun & Bradstreet and Experian Business, and establish starter vendor tradelines that report to business credit bureaus.
Do you serve both the USA and Canada?
Yes. Our credit repair services cover all three US bureaus (Equifax, Experian, TransUnion) and both Canadian bureaus (Equifax Canada, TransUnion Canada). Business credit and EIN services are US-based, with Canadian Business Number (BN) assistance available.
What comes free with every purchase?
Every service includes a premium VPN account for secure browsing and a complimentary @x-tc.com email address. Both are set up automatically after payment.
What payment methods do you accept?
Visa, Mastercard, American Express, Discover (via Stripe), PayPal, Interac e-Transfer (Canada), and Zelle (USA). All payments are encrypted and processed securely.

Ready to Take Control of Your Credit?

Legal credit repair + building + coaching. Free VPN + @x-tc.com email with every purchase.

Get Full Restoration — $499.99
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Your Legal Rights

Under the Fair Credit Reporting Act (FCRA) and Canadian Consumer Reporting Acts, you have the right to dispute inaccurate or unverifiable information on your credit reports. Bureaus must investigate and remove items they cannot verify within 30 days. Our services exercise these rights on your behalf.

X-TC Credit Services operates under the Fair Credit Reporting Act (15 U.S.C. § 1681) and the Credit Repair Organizations Act (15 U.S.C. § 1679). In Canada, we operate under applicable provincial Consumer Reporting Acts. We do not guarantee specific credit score increases or that all disputed items will be removed — results depend on the accuracy of original creditor reporting. We do not create new identities, credit privacy numbers (CPNs), or synthetic credit profiles. All services involve legal dispute of inaccurate information and legitimate credit-building strategies. Consult a qualified financial or legal advisor for guidance specific to your situation. By using our services you acknowledge that results vary and X-TC is not liable for individual lending decisions made by third-party financial institutions.