GET THE RESULTS YOU NEED TO IMPROVE YOUR CREDIT

Credit Repair Services from
the Experts

New Credit Life is an El Paso-based credit repair and consulting company focused on giving clients a new lease on their credit. Your credit score is an enormously important number, and it’s much easier to ruin that number than it is to keep it high and in good standing. As a result, millions of Americans have to deal with the problems of subpar credit.

At New Credit Life, we know bad credit can have a ripple effect on overall financial health. Through our credit repair and management services, we help clients take the necessary steps to take control of their credit and financial health.

If you or someone you know is in need of some credit help, New Credit Life is ready to work with you!
GET THE RESULTS YOU NEED TO IMPROVE YOUR CREDIT

Credit Repair Services from
The Experts

New Credit Life is an El Paso-based credit repair and consulting company focused on giving clients a new lease on their credit. Your credit score is an enormously important number, and it’s much easier to ruin that number than it is to keep it high and in good standing. As a result, millions of Americans have to deal with the problems of subpar credit.

At New Credit Life, we know bad credit can have a ripple effect on overall financial health. Through our credit repair and management services, we help clients take the necessary steps to take control of their credit and financial health.

If you or someone you know is in need of some credit help, New Credit Life is ready to work with you!
STEP ONE

Enroll

We'll give you a professional consultation and credit analysis to see if you are a good fit for our credit repair program.
STEP TWO

Learn New Strategies!

We have a wide assortment of credit-building tools that put you in a position to maximize your credit score!
STEP THREE

See Results

Log in to your personal dashboard where you can see real-time progress and results every step of the way.
HOW WE CAN HELP YOU

Credit Repair: How We Can Help Improve
Your Credit Scores

We start our credit repair services by developing a credit action plan for clients, as well as by removing blights on credit that can wear the overall score down. Specifically, we can help by removing the following:
Collections Accounts
When an account is seriously past due, the creditor may decide to turn the account over to an internal collection department or sell the debt to a collection agency. Once an account is sold to a collection agency, the collection account can then be reported as a separate account on your credit report. Collection accounts can stay on your credit report for 7 years and have a significant negative impact on your credit scores.
Repossessions
Repossession typically occurs after you fall behind on your auto loan payments and is a process where an auto lender can take back possession of your vehicle, sometimes without warning you in advance. Repossession hurts your credit score. In fact, it's one of the worst things that can happen to your credit, making your financial life difficult for years to come.
Charge-offs
A charge-off is an entry on your credit report that indicates a creditor, after trying and failing to get you to make good on a debt, has given up hope of getting payment and closed your account. A charge-off is considered a derogatory entry in your credit file—a serious negative event—and it can tremendously affect your credit scores and your ability to borrow in the future.
Bankruptcy
Bankruptcy is a legal process overseen by federal bankruptcy courts. It's designed to help individuals and businesses eliminate all or part of their debt or to help them repay a portion of what they owe. Bankruptcy may help you get relief from your debt, but it's important to understand that declaring bankruptcy has a serious, long-term effect on your credit. Bankruptcy will remain on your credit report for 7-10 years, affecting your ability to open credit card accounts and get approved for loans with favorable rates.
Foreclosure
A foreclosure occurs when a mortgage lender takes possession of a property from a borrower after the borrower fails to keep up with their loan payments. Foreclosures typically occur only after you miss at least four successive monthly payments (120 days of delinquency) A foreclosure entry typically appears on your credit report within a month or two after the lender initiates foreclosure proceedings. The entry remains on your credit report for seven years from the date of the first missed payment that led to the foreclosure and has a considerable negative impact on your credit score.
Student Loans And More!
Our credit help services also deal with the following: Student loans, Child Support, Medical Bills, Evictions, State/Federal Tax Liens, Hard Inquiries, Late Payments, Chexsystem/Early Warning, Incorrect Personal Info.
HOW WE CAN HELP YOU

Credit Repair: How We Can Help Improve Your
Credit Scores

We start our credit repair services by developing a credit action plan for clients, as well as by removing blights on credit that can wear the overall score down. Specifically, we can help by removing the following:
Collections Accounts
When an account is seriously past due, the creditor may decide to turn the account over to an internal collection department or sell the debt to a collection agency. Once an account is sold to a collection agency, the collection account can then be reported as a separate account on your credit report. Collection accounts can stay on your credit report for 7 years and have a significant negative impact on your credit scores.
Repossessions
Repossession typically occurs after you fall behind on your auto loan payments and is a process where an auto lender can take back possession of your vehicle, sometimes without warning you in advance. Repossession hurts your credit score. In fact, it's one of the worst things that can happen to your credit, making your financial life difficult for years to come.
Charge-offs
A charge-off is an entry on your credit report that indicates a creditor, after trying and failing to get you to make good on a debt, has given up hope of getting payment and closed your account. A charge-off is considered a derogatory entry in your credit file—a serious negative event—and it can tremendously affect your credit scores and your ability to borrow in the future.
Bankruptcy
Bankruptcy is a legal process overseen by federal bankruptcy courts. It's designed to help individuals and businesses eliminate all or part of their debt or to help them repay a portion of what they owe. Bankruptcy may help you get relief from your debt, but it's important to understand that declaring bankruptcy has a serious, long-term effect on your credit. Bankruptcy will remain on your credit report for 7-10 years, affecting your ability to open credit card accounts and get approved for loans with favorable rates.
Foreclosure
A foreclosure occurs when a mortgage lender takes possession of a property from a borrower after the borrower fails to keep up with their loan payments. Foreclosures typically occur only after you miss at least four successive monthly payments (120 days of delinquency) A foreclosure entry typically appears on your credit report within a month or two after the lender initiates foreclosure proceedings. The entry remains on your credit report for seven years from the date of the first missed payment that led to the foreclosure and has a considerable negative impact on your credit score.
Student Loans And More!
Our credit help services also deal with the following: Student loans, Child Support, Medical Bills, Evictions, State/Federal Tax Liens, Hard Inquiries, Late Payments, Chexsystem/Early Warning, Incorrect Personal Info.
Our Money Back Guarantee

Backed By The Best 100%
Money Back Guarantee

You are entitled to a 100% refund on all payments if we do not remove any negative items we have worked on under the following circumstances:

* We have had six months from the time you retain our services.
* You have not used a credit-consulting agency nor attempted to repair your credit three months previous to signing up for our services.
* You have maintained credit monitoring services at all times during the time we are helping you.
* You agree to send updated reports from the three credit bureaus to us within 5 days of receipt. (Clients should receive updated credit reports every 30-45 days. It is the client’s responsibility to make us aware if updated reports have not been received).
Our Money Back Guarantee

Backed By The Best 100%
Money Back Guarantee

You are entitled to a 100% refund on all payments if we do not remove any negative items we have worked on under the following circumstances:

* We have had six months from the time you retain our services.
* You have not used a credit-consulting agency nor attempted to repair your credit three months previous to signing up for our services.
* You have maintained credit monitoring services at all times during the time we are helping you.
* You agree to send updated reports from the three credit bureaus to us within 5 days of receipt. (Clients should receive updated credit reports every 30-45 days. It is the client’s responsibility to make us aware if updated reports have not been received).
A Company You Can Trust

Proud Members of the Credit Consultants Association

New Credit Life is a board member of the Credit Consultations Association. New Credit Life is fully certified in what we do, allowing us to provide the best credit services in the Sun City.
Credit Help, Credit Repair in El Paso
WHAT PEOPLE ARE SAYING

Client Testimonials - Don't Just Take Our Word For It!

April - 2020

Ivonne Alaniz

"David is amazing! Extremely knowledgeable and passionate about what he does. My credit score dropped 75+ points due to one payment reported and he helped me take care of it! My score is back up in the 700+."
December - 2019

Ashley Granado

"Everything is done very professionally and great customer service!! Highly recommended to anyone who needs to get there credit score fixed."
February - 2020

Mauro Rivera

"He is amazing at what he does! I had a ton of duplicate accounts that should not have been there and had no idea were there. He explained everything in such detail and made it easy to understand and he answered every question and concern I had. He really does care about his clients. He got rid of many accounts that were there from years past. In 30 days my scores went up 60 points. He is awesome!!! Very pleased!"
IMPROVE YOUR CREDIT SCORE

Take Control Of Your Credit With New Credit Life!

Your credit should be an asset, not an obstacle. At New Credit Life, we help clients get their credit under control and use their credit to make their dreams come true. Contact us today to schedule your free credit analysis and consultation!

Frequently Asked
Questions

What is Credit Repair?

Credit repair is the process of fixing or restoring a poor credit score. This process consists of addressing any questionable negative items that could be hurting your credit profile and one thing is certain – it takes time. We at New Credit Life always advise our clients not to fall for scams that promise easy, overnight credit repair.

Is Credit Repair Legal?

Yes—you have a legitimate and legal right to a fair, accurate and substantiated credit report. While there are many laws that apply to your credit, the Credit Repair Organizations Act (CROA) and Fair Credit Reporting Act (FCRA) are the two laws we leverage the most.

Can I Do My Own Credit Repair?

Yes, it is possible for you to do your own credit repair, however, it can hurt you in the long run especially if you haven’t done your homework. There are a lot of things that can be easily missed out if you don’t have the experience or knowledge that credit repair experts have.

How Many Points can I expect my score to go up?

Scores and point increases vary from case to case. Clients who lack the necessary credit accounts and types, will not see as much of a credit score increase as someone who already possesses multiple lines of positive credit. For clients who do not have much, or ANY positive credit at all, the goal is to remove the negative accounts first, then focus on rebuilding and re-establishing new clean credit, which will result in higher scores reporting month after month.

How long do negative items stay on a credit report?

Most negative items will fall off of your report after seven years, though some deletions may take as long as 10. The truth is that the credit grantor or the credit bureau can choose to delete the negative credit listing at any time, especially when you give them a reason to do so. If you’d rather not wait that long, credit repair is a great alternative.

What do I need to do on my end?

You actually have the EASIEST part of this entire process! Your job is very simple. COMMUNICATION! EDUCATION! But most of all… PATIENCE! When we submit disputes and challenges on your behalf, the bureaus and creditors will ALWAYS respond directly back to you! For the purpose of your own privacy, creditors will never send the results of their investigations to us. Therefore, it is extremely important to maintain consistent COMMUNICATION with us. When you receive correspondence back, email that correspondence to ( business email). COMMUNICATION AND PATIENCE is very important in this process.

What if an item gets put back on my credit file after it has been deleted?

We have heard of this happening to people in the past. We want you to know that we do everything in our power to prevent this and it has never happened in our experience. However, to protect you, If you come back to us and show proof that an item we took off has come back, we will work on getting it deleted once again.

Will we be getting updates about the process?

New Credit Life gives our client’s 24/7 access to their own client portal for frequent messages as to what is being challenged. You will never be left wondering where we are in the process. Not to mention our lines are always open for call or text.

What makes NEW CREDIT LIFE different from any other credit repair company?

NEW CREDIT LIFE is one of the best companies who can help you fix your credit scores, restore good credit, achieve a high credit score, and maintain it. Our services include but are not limited to credit repair, credit restoration. We assure our clients that their data is secure and confidential with us, and we will do our best to get them the outcome they need. We guarantee that their credit scores will be better than it ever was, and they will be able to achieve their goals because of it. We also keep our communication lines open.

Is my information secure?

Client Data Protection is required by law. We use the same security encryption (256-bit SSL) as banks. SSL is Secure Socket Layer, but what it really means is that the data sent between New Credit Life and your computer is safely encrypted from prying eyes. It’s the same technology that banks use to keep your credit card information safe. We never share your personal information with anyone– for any reason– without your prior written permission.

New Credit LifeOur Mission
Having bad credit can make life tough. You could struggle to get a good rate on a loan, fail to get approved for an apartment or even have trouble finding work. Our Mission at NEW CREDIT LIFE is to repair and improve your bad credit situation creating better opportunities for you and your family. We always build a strong professional relationship with our clients so that they will not feel lost in the process of fixing their credit issues.
OUR LOCATIONSWhere to find us?
GET IN TOUCHNew Credit Life Social links
NEW CREDIT LIFEOur Mission
Having bad credit can make life tough. You could struggle to get a good rate on a loan, fail to get approved for an apartment or even have trouble finding work. Our Mission at NEW CREDIT LIFE is to repair and improve your bad credit situation creating better opportunities for you and your family. We always build a strong professional relationship with our clients so that they will not feel lost in the process of fixing their credit issues.
OUR LOCATIONSWhere to find us?
El Paso, TX
GET IN TOUCHNew Credit Life Social links
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