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Pay Per Deletion Credit Repair

Most companies will prolong the process and charge you month after month with no results.

We offer Pay Per Deletion which means you only pay for negative items that are deleted off the credit report. If we are unsuccessful at removing negative items you do not pay us anything.

Initial Audit Fee


Our Deletion Fees

  • Inquiry Removal- $10 (Per Item)
  • $25 For Late Payments (Per Bureau)
  • $50 For Collection Accounts (Per Bureau)
  • $50 For Charge Offs (Per Bureau)
  • $50 For Broken Leases (Per Bureau)
  • $75 For Repossessions (Per Bureau)
  • $75 For Public Records (Per Bureau)
Our Team

Your Frequently Asked Questions, Answered!

Do you still have some burning questions about credit scores and credit repair? See if we’ve answered your question in our FAQ page! We’ve gotten a bunch of questions over the years, so we’ve answered some of the most common ones below.

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.

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.


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.


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.

Most negative items will fall off of your report after seven years, though some deletions may take as long as ten years to disappear. 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, then credit repair is a great alternative.

For our clients, all we typically ask for is education, communication, and most importantly 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 so we can continue our work. When you receive correspondence back, email that correspondence to us as soon as possible.

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.

New Credit Life gives our clients 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.

New Credit Life is one of the best companies that 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 and 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 so you are always aware of the process and your progress.

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.

Happy Customers

lil Ernest Aka Lill

I must start by saying thank you. Thank you for such an amazing service throughout some difficult times. I was in search of someone local in El Paso who would help me repair my credit and was recommended to David. I am so glad i did as David has been nothing short of amazing my credit is sitting over 700 scores now. He constantly follows up and I am truly grateful for his help and gladly recommend everyone to hire him, he will get the job done and more!

Dashie Playz

My husband needed his credit cleaned up so we can buy a house and I am so glad we went with this company! In the first month, half of the derogatory marks have been removed and his score has already gone up. We love working with David he always returns text messages and answers calls. The price is extremely fair and we only pay for the accounts removed!! Highly recommend!

Solo Men

“I recently started working with NCL and I am already SO happy that I did! David the expert who has helped me has worked hard and has already made a positive impact on my credit report.! New credit life has helped remove negative items from my credit report that shouldn’t have been there. This directly caused an increase in my credit score! I’ve called their customer support line for a few questions and regards and they were easy, friendly but most importantly they where responsive! New Credit Life definitely gets an A+! I am very pleased with the service that I have received so far from New Credit Life and I will definitely recommend them to my friends & family!” Thanks David!

Vicente Trejo

I would definitely without a doubt recommend New Credit Life!! I thought it would be impossible to fix my credit, I was extremely skeptical at first since this was the 3rd credit repair company I had talked to about helping me, but David put my mind at ease and I decided to move forward right away with them. They Did Not Disappoint! You guys are the best 100% I Just got my Preapproval letter to look for my new home😭🙏🙌! Thank you David for such great results! 🏡