Transform
your credit in
45 days!
250+ Clients
⭐
$1.5 Million In Negative Items Removed
⭐
Proven Results
⭐
5-Star Rated
⭐
250+ Clients ⭐ $1.5 Million In Negative Items Removed ⭐ Proven Results ⭐ 5-Star Rated ⭐
From denied to approved
We've helped Over 250+ clients remove more than $1.5 Million in negative items from their credit reports.
Let’s see what’s possible for you.
Meet the ceo
Nicole started Credit Or Forget It because she knows what it feels like to be denied—and exactly how to fix it.
After repairing her own credit and helping countless family and friends do the same, Nicole turned her passion for numbers into a mission: helping people break free from bad credit and unlock real opportunities.
To date, I've helped 250+ clients remove over $1.5 million in debt and see results in as little as 45 days. Collections, charge-offs, late payments—these are the items she knows how to challenge effectively.
Why Nicole? Because she’s been where you are, she understands the system, and she’s personally invested in helping you win.
Here’s our process
Step 1: Choose Your Plan
Select the program that fits your goals and budget.
Complete your enrollment in minutes.
That's it. Your credit repair journey begins.
Step 2: We Get To Work
Once you enroll we begin reviewing and disputing inaccurate, outdated, or unverifiable negative items on your credit report - including collections, chart offs, and late payments.
You’ll always know whats being worked on and where you stand.
Step 3: Review Your Progress
You’ll receive regular updates as your credit profile begins to improve. Most clients see results within the first 45 days - some even sooner.
Your improved credit score is closer than you think.
What we help dispute when inaccurate
✔ Inaccurate Late Payments
✔ Unverifiable Collections
✔ Duplicate Accounts
✔ Reporting Errors
✔ Outdated Negative Items
✔ Inaccurate Late Payments ✔ Unverifiable Collections ✔ Duplicate Accounts ✔ Reporting Errors ✔ Outdated Negative Items
Choose a plan
Foundation Package
$497
One time payment
✓ 6 Rounds Included
✓ Updates Every 45 Days
✓ 24/7 Client Portal
✓ Client Support Team
POPULAR
Elite VIP Package
$997
One time payment
✓ Foundation Package PLUS
✓ Priority Processing
✓ Direct Access to You
✓ Faster Response Times
✓ White-Glove Service
⚡Afterpay Available | ⭐ 5-Star Rated
This service is for you if You’ve been denied credit, housing, or funding
✔ You know your report has errors
✔ You want it done legally and correctly
✔ You don’t want DIY disputes
This service is for you if you want results done the right way—not guesswork.
250+ CLIENTS
⭐
$1.5 MILLION IN NEGATIVE ITEMS REMOVED
⭐
5-STAR RATED
⭐
250+ CLIENTS ⭐ $1.5 MILLION IN NEGATIVE ITEMS REMOVED ⭐ 5-STAR RATED ⭐
bad credit? Start your credit repair journey today!
Frequently Asked Questions
Still have questions? Take a look at the FAQ or reach out anytime. If you’re feeling ready, click "Get Started" below to choose your package.
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Most clients see results within 45 days, depending on their credit profile and the type of items being challenged. Credit repair is a process and results develop overtime.
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We work to challenge inaccurate, outdated, incomplete, or unverifiable negative items. Including collections, charge-offs, late payments, and certain public records.
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Both plans include a full credit review and ongoing dispute work.
The Premium plan offers expanded support and more aggressive strategies designed to accelerate progress.
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Simple. Choose your plan and complete your purchase. We immediately onboard you and start disputing negative items on your report within 24 hours. You'll receive portal updates every 35-40 days showing what we've challenged and removed. Most clients see their first deletions within 45 days. You don't do anything except check your portal and watch progress happen.
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We combine a thoughtful, human-centered approach with clear communication and reliable results. It’s not just what we do—it’s how we do it that sets us apart.
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We stand behind our work. If we don't deliver results, we'll make it right. Our success rate speaks for itself—$500,000+ in debt removed for 100+ satisfied clients with 5-star reviews. We're confident in our process because it works.
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Choose Standard or Premium, complete your purchase, and you'll receive immediate portal access. We start working on your case within 24 hours. No waiting, no hassle—just results. Click "Get Started" below to choose your package.
