What’s the biggest credit challenge you’re facing right now?

Don’t sweat. We’re here to help. 

  • You’re sick and tired of debt collectors and past due statements coming in the mail…
 
  • Your get nauseous when you hear words like “our bank can’t approve you” or “you have too many past due accounts for this loan.”
 
  • You want to finally dig yourself out of this hole and free yourself of the burden of debt…
I’m Tim Hall, the owner and CEO of Portneuf Credit Repair, and I was in the same situation you are in.
Constantly getting calls, reminders, “statements”, and knowing I can’t live my life to the fullest because debt was keeping me financially trapped.
That’s why I made it my mission that once I got out, I would help other people free themselves of this burden by providing them with the most honest, transparent, and of course, affordable, credit improvement service out there.
That’s what we’re all about, and that’s what we’re here to help you do.

If you want to improve your credit score, we can help. Read on.

We’re here to help you find the easiest and most productive way to free yourself of your debt.
To do this, we represent you in front of credit bureaus and we make sure…

• Your hard inquires are REMOVED.
• Errors in your credit report are REMOVED.
• Inaccurate accounts are REMOVED.
• Old debts are REMOVED.
• Unverifiable collections are REMOVED.
 
We’ve even gotten bankruptcy removed.

This photo's above is a reality! And it could be yours too! Click the one of the photo's to start!

​START INCREASING YOUR CREDIT SCORE TODAY.

By entering my contact information and clicking "Submit my information now" I consent by electronic signature to be contacted by telephone or by email

Here’s our simple plan for improving your credit score. Easy as 1-2-3.

You can do this. We can do this together.
​Start increasing your credit score today for only $129.

​Here’s why our customers keep choosing us for help with their credit score.

​If you have ever been told thing like...
➡ "I'm sorry, but the bank can't approve you."
➡ "You have to many past due account's for this loan."
➡ "Try paying off some of these old debts before applying for a home"

It's only $129 for this limited time offer! 
All backed by our 180-day money back guarantee!​

​Who am I?

Hi my name is Tim. I know how it feels to have bad credit and work to get your score up only to make a couple of late payments and have it drop again. I rode that rollercoaster for too long. I have studied and learn the laws of credit. How to use it and how to keep your score up. I am very passionate about it. I have been held down by bad credit and I learned how to get up and I want to give you a hand, pull you up and show you the way to the life you want.

4 Easy benefits of having good credit!

​↪ Low Interest Rates on Credit Cards and Loans
The interest rate is one of the costs you pay for borrowing money and, often, the interest rate you get is directly tied to your credit score. If you have a good credit score, you’ll almost always qualify for the best interest rates, and you’ll pay lower finance charges on credit card balances and loans. The less money you pay in interest, the faster you'll pay off the debt and the more money you have for other expenses. 

↪ Better Chance for Credit Card and Loan Approval
Borrowers with a poor credit history typically avoid applying for a new credit card or loan because they've been turned down previously. Having an excellent credit score doesn’t guarantee approval, because lenders still consider other factors such as your income and debt. However, a good credit score increases your chances of being approved for new credit. In other words, you can apply for a loan or credit card with confidence.

↪ More Negotiating Power
A good credit score gives you leverage to negotiate a lower interest rate on a credit card or a new loan. If you need more bargaining power, you can take advantage of other attractive offers that you’ve received from other companies based on your credit score. However, if you have a low credit score, creditors are unlikely to budge on loan terms, and you won't have other credit offers or options. 
​
↪ Get Approved for Higher Limits
Your borrowing capacity is based on your income and your credit score. One of the benefits of having a good credit score is that banks are willing to let you borrow more money because you’ve demonstrated that you pay back what you borrow on time. You may still get approved for some loans with a bad credit score, but the amount will be more limited.

Here’s why we should all strive for good credit scores.

  • You Will Have Low Interest Rates on Credit Cards and Loans
The interest rate is one of the costs you pay for borrowing money and, often, the interest rate you get is directly tied to your credit score. If you have a good credit score, you’ll almost always qualify for the best interest rates, and you’ll pay lower finance charges on credit card balances and loans. The less money you pay in interest, the faster you'll pay off the debt and the more money you have for other expenses. 

  • You’ll Have a Higher Chance for Credit Card and Loan Approval
Borrowers with a poor credit history typically avoid applying for a new credit card or loan because they've been turned down previously. Having an excellent credit score doesn’t guarantee approval because lenders still consider other factors such as your income and debt. However, a good credit score increases your chances of being approved for new credit. In other words, you can apply for a loan or credit card with confidence.

  • You Will Have More Negotiating Power
A good credit score gives you leverage to negotiate a lower interest rate on a credit card or a new loan. If you need more bargaining power, you can take advantage of other attractive offers that you’ve received from other companies based on your credit score. However, if you have a low credit score, creditors are unlikely to budge on loan terms, and you won't have other credit offers or options.

  • You’ll Get Approved for Higher Limits
Your borrowing capacity is based on your income and your credit score. One of the benefits of having a good credit score is that banks are willing to let you borrow more money because you’ve demonstrated that you pay back what you borrow on time. You may still get approved for some loans with a bad credit score, but the amount will be more limited.

  • You’ll Get Easily Approved for Rental Houses and Apartments
Many landlords are using credit scores as part of their tenant screening process. A bad credit score, especially if it’s caused by a previous eviction or outstanding rental balance, can severely damage your chances of getting into an apartment. A good credit score saves you the time and hassle of finding a landlord that will approve renters with damaged credit.

  • You’ll Have Better Car Insurance Rates
Add auto insurers to the list of companies that will use a bad credit score against you. Insurance companies use information from your credit report and insurance history to develop your insurance risk score, so they often penalize people who have low credit scores with higher insurance premiums. With a good credit score, you’ll typically pay less for insurance than similar applicants with lower credit scores.

  • You’ll Get a Cell Phone on Contract With No Security Deposit.
Another drawback of having a bad credit score is that cell phone service providers may not give you a contract. Instead, you’ll have to choose one of those pay-as-you-go plans that have more expensive phones. At the least, you might have to pay extra on your contract until you've established yourself with the provider. People with good credit avoid paying a security deposit and may receive a discounted purchase price on the latest phones by signing a contract.

  • You’ll Avoid Security Deposits on Utilities
These deposits are sometimes $100 to $200 and a huge inconvenience when you’re relocating. You may not be planning to move soon, but a natural disaster or an unforeseen circumstance could change your plans. A good credit score means you won’t have to pay a security deposit when you establish utility service in your name or transfer service to another location.

  • Let’s Face It. Good Credit Score is High Status.
Because of all the benefits, a good credit score is something to be proud of, especially if you've had to work hard to take your credit score from bad to good. And if you've never had to experience a bad credit score, keep doing what it takes to maintain your good score. It only takes a few missed payments to start getting off track.

​START INCREASING YOUR CREDIT SCORE TODAY. SIGN UP BELOW

The best guarantee is one you don’t need. But you get one anyway.

​You’re protected at all times by our 120-day money-back guarantee.
After all, we’re here to help you – we wouldn’t have it any other way.

​​**You are entitled to a 100% refund on all payments if an only if: ​
We do not remove any negative worked on. You have 120 days (4 consecutive months) from the time that you retained our services.
You have not used a credit-consulting agency nor attempted to repair your own credit at least 1 year prior to signing up for our services.
You have had no new collections or missed payments during the time frame we are assisting you.
You have maintained credit monitoring services at all times during the time frame we are assisting you.
You agree & have sent updated reports/responses from the three credit bureaus and creditors within 5 days or receipt.
​You should receive updated credit reports every 35-45 days and make us aware if updated reports have not been received.
Portneuf Credit Repair
© 2021 Portneuf Credit Repair.​ All rights reserved. FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries. We  do not provide legal advice.We  do not guarantee the permanent removal of verifiable tradelines. We requires active participation from its clientele regarding requested documents and information, including investigation results for the sought-after outcome of a healthy, accurate credit report. Individual results may vary.
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