Have piece of mind knowing your working with only the best of professionals!

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

  • 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…

Don’t sweat. We’re here to help. 

I’m Colin Papineau the owner and CEO of PWNcredit Repair800, 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.

​Don't just take my word for it, Here's some reviews from our customers!

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.

These photos above are a reality! And it could be yours too!

START INCREASING YOUR CREDIT SCORE TODAY, GET YOUR FREE E-BOOK!

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

1. YOU SIGN UP.
 
As soon as you sign up, and right away get your DIY Credit Repair E-book... for Free! 
 
2. YOU RESEARCH.
 
Learn the basics when it comes to credit.. Our detailed guild will teach, and show you exactly what to do! And each month you'll receive a dispute letter and a training class on how to use it!
 
3. YOU WATCH YOUR CREDIT SCORE GO UP.
 
By removing the erroneous items from your credit bureau history, your credit score instantly starts going up, and you’re presented with more and more opportunities to rebuild it and keep it as high as possible

As of May 2020, PWNcredit Repair800 is proudly able to announce we're the ONLY Military trusted credit repair company in the entire state of Washington! As my wife has served in the United Stated Navy, both as a full time active sailor, and now in the reserves. We understand how truly important it is to treat our brothers and sisters in uniform with the utmost respect and love. Please allow us to prove to you what makes us special.. 
​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"
My name is Colin Papineau, and I have been in this community here in beautiful rainy Washington for a number of years. I'm married to my beautiful wife Christina whom is my Co-owner of PWNcreditrepair800, and we have a baby girl on the way which will be our first! Boy are we excited! And we have a crazy mutt dog named poncho! 
I have been involved for a number of years in finance, and customer service industry. But everything wasn't rainbows and sunshine... Because I grew up in a rather money challenged family.. And that led me to make numerous bad choices when it came to my finances, and especially my credit. About 4 years ago I made it my absolute goal to make it past a 800 FICO score, and through my learning's I was able to do just that! But why did I mention my history? 
Because I'm just like you.. Just trying to make everything work, and get by happily. And all of my history has taught me the value of having good credit. It allows you to do things.. to go places. And I want to take everything I learned and help everyone around me. 
Just think about how WONDERFUL it will feel when you get the keys to your first home?!? Good credit allows you to do that. Or to never have a turn down or decline from the bank again!
These are the reasons I started this business, so do yourself a favor, do your future self a massive favor and
​ DOWNLOAD YOUR E-BOOK TODAY

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.
PWNcredit Repair800
© 2020 PWNcreditrepair800.​ 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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