Here’s how our service works

Speak With A Specialist

Once you speak with one of our specialist we will determine if you need credit repair, student loan services, or both.

Instant Access

Once you enroll in our credit repair program you will receive instant access to our system so that you can begin tracking the progress and receiving email & text message updates. If you enroll in student loan services you will be assigned to a student loan adviser who will communicate with you during the process.

Complete On-boarding

We would like to start the process as soon as possible, so therefore we only allow 48 hours to complete the necessary steps to get the process started which will take no more than 10 minutes to complete.

Your Road To A Better Life Begins

If you join our Credit Repair program we will send out letters on your behalf and update you every 30 days. We work to remove as many negative accounts as possible while you focus on building your credit and maintaining positive credit habits. If you join our Student Loan program we will be processing all the necessary paperwork and calling on behalf of your federal student loans to get them back in good standing. As experts we know what works and do whatever we can to help you reach your financial goals.

What We Offer

Student Loan Services

One Time Payment $599.99/Save 100$

Document Processing for:

  • Public Service Loan Forgiveness (PSLF)

  • Loan Consolidation

  • Income Driven Repayment Plan (IDR)

  • Loan Rehabilitation of Default Loans

  • Discharge of Loans

  • Stop Tax Offset

  • Stop Wage Garnishments

  • Recertification

 Pay 4 Monthly Installments

Get Started Right Now

Credit Repair Services

$199.99 initial start up fee

 Selecting this plan you will receive everything you need to improve your overall credit situation, and reach all financial goals that you have. Throughout the entire process you are aware of everything.

  • $50 per negative item that is deleted from your credit report, per bureau.

  • No Hidden Fees

  • Unlimited Disputes.

  • Results Typically Within 30-45 Days.

  • Unlimited Support.

  • Enrollment Fee Returned If No Deletions In 120 Days.

  • No Contract.

Get Started Right Now

Business Credit Services

One Time Payment:   $999.99

This service is for entrepreneurs & small business owners. We created this program to solve critical issues that both are facing. We have a very unique approach which is one of the many reasons why we are different from most companies. We work diligently to provide a solution to help you organize your business, achieve your overall goals, optimize performance alongside productivity, and lastly help with you get the necessary funding needed to grow your business.

  • Establish Your Business

  • Entity Set Up (LLC, S-Corp, C-Corp, or Non-Profit)

  • EIN SET UP

  • Operating Agreement

  • Business Address Set Up

  • Business Phone/Fax Set Up

  • Business Website & Email Credibility Assistance

  • Business Bank Account

  • Business 411 Listing

  • Set Up Business Credit Reports & Scores with DnB, Experian, and Equifax.

  • Monthly Coaching for 6 months

  • Save Up to $350 when joining our personal credit program.

Get Started Right Now

CEO Package

$499.99 initial start up fee

  Our exclusive CEO Service we use an aggressive approach during the credit restoration process, and you will work directly with the CEO to make sure you are getting the best service possible

  • $100 per account that’s deleted, per burea.

  • Same Letters, Same Results.. You will work directly with CEO Lasundia Reese directly.

  • No Hidden Fees

  • Unlimited Disputes.

  • Results Typically Within 30-45 Days.

  • Unlimited Support.

  • Enrollment Fee Returned If No Deletions In 120 Days.

  • No Contract.

Get Started Right Now

If You have Questions Call

Hear From Our Clients

Credit Miracles have helped me tremendously. From bettering the management of my finances to saving money by lowering my interest rates on all major purchases. Even some minor purchases. Overall this company has made life easier for me. Customer service is superb. A company with integrity, commitment, and outstanding support.. I would recommend this company to anyone. Not only the best rates in the state of Alabama, but the best results!
- Anthony M

I started with Credit Miracle back in October now 2 months later 47 items have been removed from my credit. They are very professional. If you have questions, they have answers. If you looking for someone to repair your credit you should definitely choose Credit Miracles

- Bre'anna M
Lasundia and her staff are very professional, knowledgeable at what they do, and go above and beyond to assist their clients! I’ve been nothing but satisfied with the service and my results since joining a couple of months ago. I would definitely recommend them to anyone looking to repair their credit!
- Ashley S
Literally the best person to work with especially with your credit. The staff makes you feel so comfortable and they’re very speedy, professional yet engaged and dedicated to helping you. I recommend Credit Miracles to anyone looking for your credit to be better than it ever was !
- Ashley L
I appreciate the professional and friendly services I am currently receiving from the staff at Credit Miracles and Student Loan Services. Lasundia and her team offer a great deal of knowledge and keep you updated on the progress. Since joining the Credit Miracles team, I have seen a significant improvement. Services are also VERY affordable! Join today!
- Jessie R

Frequently Asked Questions

How long before I see results?

It’s a pretty normal question to ask: The honest answer is that it depends — on your goals, and the plan selected…However most of our clients see results within the first 30-45 days. That’s actually one of the best parts of choosing Credit Miracles.
We look at your individual situation and build your own personal Game Plan accordingly. Your Game Plan focuses on the areas that will make the most impact. We at Credit Miracles get to work quickly to make sure your creditors are being responsible regarding the information they’re reporting about you.

We’re now opened from 9am-6pm.

As you’re looking over your credit situation, a question pops up: what if most or even all of my negative items are accurate? Will credit repair still work for me? Looking at your credit report itself you may not be able to locate the errors found, but we specialize in finding those errors by analyzing all 3 credit bureaus at a time. One thing is Creditors sell very critical information about you every day. It’s information that can affect almost everything in your life, from your car payment to your house to your job. So, it’s important to make sure that that information is as substantiated, timely, accurate and fair to you as absolutely possible. A lot goes into these definitions. This is where the Credit Miracles as experts come in. So, see what the process can do for you. We’ve surprised many with how much it is possible.

To know whether credit repair is worth it, you just have to look at what your credit account is made of. Also, how credit impacts your every day life and these days it seems like credit is EVERYTHING!
When you start realizing how far it goes, and how much money you can save just making this small investment you’ll be amazed.
Not having ideal credit can cost you thousands and thousands of dollars over the course of a home or car loan. It can keep you from getting insurance coverage or even a job. It can make even everyday needs and decisions more difficult.

We are based in Montgomery, Al currently our experts work from home, but as we begin to expand locations will be built.

However, our advisors are available by phone at 800-544-2247 or email at MiraclesCredit@gmail.com enabling us to help clients without having to have an office in your area.

Use this hyperlink for identity IQ:

Each credit bureau has access to different information. As a result, different information creates different scores. The advantage of a 3-bureau report is readily identifying discrepancies: just because you don’t have a collection on one report doesn’t mean it doesn’t exist if another bureau is reporting that collection.

No, but if it is past the statute of limitations for the creditor to file a lawsuit it will be much harder for them to try to collect it from you.

NO! One of the biggest misconceptions among customers is that paying a collection will cause the score to go up. This is not true. In fact, your score is likely to go down.

How long does it take to fix bad credit?

There is no fast and easy answer to this question. The time it takes to repair your credit is completely dependent upon your personal situation. The game plan created and plan selected is designed for you to complete the program within 90-180 days. We work with you, but we also need you to work with us.

  • Yes, you can. There is technically nothing a credit repair agency can do that you can’t do yourself. However, you need to be willing to put in the work and educate yourself about credit law. In fact, you can find DIY kits and other resources like books online that will give you the tools necessary to begin yourself.
  • Keep in mind, however, that it is a lot of work contacting agencies and creditors. The process of trying to work out settlements and verify information can be daunting. For this reason, many people choose to have credit repair company to do this work on their behalf. Not only are they diligent in their work, they also know the ins-and-outs of credit repair better than anyone.

Your free consultation is provided to explain the services we offer, what affects your credit either positively or negatively, and how your credit score is determined. This is also a great opportunity to ask questions. If you choose not to use our services after your free consultation you are not liable for any charges.

Credit Repair is actually the process of removing inaccurate, unfounded, out of date, false, and erroneous information from your credit report. Your credit report dictates your credit score. The 3 major credit bureaus collect information from lenders, creditors, and debt collectors and apply it to your credit report. Based on that information, your credit score is determined. This information could include the balances on loans or credit cards, credit inquiries, debt to income ratio, and most importantly, credit utilization (the percentage of debt you have to available credit)

Yes, we adhere to a very strict privacy policy that protects all of your valuable information.  All client information is protected on a secure server and backed up routinely. To ensure documents are not compromised, we shred all paper documents after saving them in our database.  We use secure computer terminals as well as an encrypted database. Every Credit Miracles employee is trained to properly verify customer information and never to disclose this information to unauthorized parties.  Please review our privacy policy for further information.

Though you do sign a customer contract, they do not have mandatory service terms. We strictly provide a monthly service that you may cancel at anytime. Please remember, we only bill on 1st or either the 15th of every month for the work that has been completed the month prior.
Just like a utility provider, you are liable for your final months payment after cancelling our service.

That answer really depends on your personal goals. Whatever your personal credit and financial goals are, it’s important to remember that credit repair is not an overnight “quick-fix” and takes time. Many people can start to see an increase in their score in as little as 30 days but the process of going from bad credit to good credit typically takes much longer. Your score didn’t get bad overnight and it doesn’t improve that way either.

Credit repair works best for people that have already come out of their personal recession. Are you able to afford your existing bills and lifestyle but are being held back from getting good (or any) financing on a new car, home, or loan? If so, we want to talk to you.

Yes, We can help send a Cease and Desist to ask them not to call anymore.

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Our terms/conditions & affiliate disclosures

Cancellation Policy

Services are provided on a month-to- month basis and clients may cancel their service at any time at least (3) three days in advance of any upcoming recurring payment. When cancelled according to these terms, the clients is responsible for paying the balance down to $0 for services rendered. All services are billed on per account deleted.
We look at your individual situation and build your own personal Game Plan accordingly. Your Game Plan focuses on the areas that will make the most impact. We at Credit Miracles get to work quickly to make sure your creditors are being responsible regarding the information they’re reporting about you.

Privacy Policy

Commitment to Your Privacy

This site is owned and operated by Credit Miracles LLC. Your privacy on the Internet is of the utmost importance to us. We understand the importance of making sure that at all times your online experience is safe & satisfying and with Credit Miracles LLC it’s our top priority to make sure that happens.
Please read to understand our policy terms, and conditions surrounding the capture and use of that information.
This privacy statement discloses what information we gather and how we use it.

Sharing of Information

Credit Miracles LLC does not under any circumstances share, sell, rent, or in any other way provide your information to anyone for any use whatsoever.

Security

Credit Miracles LLC operates secure data networks protected by industry standard firewall and encryption protection systems. Our security and privacy policies are periodically reviewed and enhanced as necessary and only authorized individuals have access to the information provided by our customers.

Cookies

We may place a text file called a “cookie” in the browser files of your computer. The cookie itself does not contain Personal Information although it will enable us to relate your use of this site to information that you have specifically and knowingly provided. But the only personal information a cookie can contain is information you supply yourself. A cookie can’t read data off your hard disk or read cookie files created by other sites. Credit Miracles LLC uses cookies to track user traffic patterns (as described above). You can refuse cookies by turning them off in your browser. If you’ve set your browser to warn you before accepting cookies, you will receive the warning message with each cookie. You do not need to have cookies turned on to use this site.

Affiliate Disclosure

CreditCardBroker.com and it’s affiliates are paid commissions on a per sale basis for credit card offers displayed on this website. We may, at times list credit card offers that we are not paid commissions for. Content: This content is not provided or commissioned by the company whose products are featured on this site (Credit Miracles LLC) Any opinions, analyses, reviews or evaluations provided here are those of the author’s alone and have not been reviewed, approved or otherwise endorsed by the advertiser. This site may be compensated through the advertisers affiliate programs.

Information Credit Miracles LLC Gathers and Tracks

Credit Miracles LLC gathers two types of information about users:
• Information that users provide manually on our web site. This information is gathered on our Enrollment (Sign Up) Form and includes name, address, email address. This information is not shared or used for any marketing purposes whatsoever.
• Information Credit Miracles LLC gathers through aggregated tracking information derived mainly by tallying page views throughout our sites. This information allows us to better tailor our content to readers’ needs and to help us better understand the demographics of our audience.

Usage Tracking

Credit Miracles LLC tracks user traffic patterns. However, we do not correlate this information with data about individual users. LLC does break down overall usage statistics according to a user’s domain name, browser type, and MIME type by reading this information from the browser string (information contained in every user’s browser). Credit Miracles LLC sometimes tracks the search terms that users enter in public search engines, which generate a “click through”, but this tracking is never associated with individual users. We use tracking information to determine the effectiveness of individual search terms.

Your Consent

By using this site, you consent to the collection and use of this information by Credit Miracles LLC. If we decide to change our privacy policy, we will post those changes on this page so that you are always aware of what information we collect, how we use it, and under what circumstances we disclose it.

Public Safety and Legal Process

We will not share information about individual users with any third party, except to comply with applicable law or valid legal process or to protect the personal safety of our users or the public.