Credit Repair by Ashroq Financial

Trusted Services. Real Support.

Rebuild and Thrive.

Why Choose Ashroq Financial for Credit Repair?

We know you have options when it comes to getting your credit back on track. Here’s what makes us different.

  • Community-Rooted

    We’re not just another company—we’re a business grounded in transparency, trust, and service. We understand the financial challenges our neighbors face because we live here too. We show up for real people with real goals.

  • Empowering, Not Intimidating

    We guide you through the credit repair process with clarity and support—no shame, no fear tactics. Our goal is to help you feel confident and in control, whether you’re starting over or building up. We break down complex steps into simple, achievable actions.

  • More Than Credit Scores

    We help you build a stronger financial future, not just fix today’s problems. Our services include education, dispute support, and ongoing guidance. We believe in long-term results, and we’re here to equip you with tools that go far beyond just raising a number.

How Our Credit Repair Process Works –

4 Steps:

  • We start with a no-pressure conversation to understand your goals, concerns, and credit history. This helps us map out the most effective path forward — tailored to you.

  • We'll guide you in accessing your reports from all three major bureaus. Then, we carefully examine them for errors, outdated information, and opportunities for improvement.

  • Based on your unique situation, we create a personalized plan to dispute inaccuracies, strengthen your profile, and address the most impactful issues first.

  • We stay with you every step of the way — tracking updates, adjusting your strategy, and providing guidance to help you stay on course and rebuild with confidence.

Our Credit Repair Toolkit –

What We Do

Our credit repair toolkit includes personalized strategies, ongoing support, and tools designed to meet you where you are — and help you move forward with confidence.

  • Spread the word and get rewarded — when friends or family sign up using your referral link, you could earn service credits or exclusive perks (based on availability).

  • No cookie-cutter letters here. We create customized dispute strategies to challenge inaccurate or unverifiable items and stay compliant throughout the process.

  • Credit repair isn’t just about removing negative items — it's also about strengthening your file. We’ll suggest specific actions to build positive credit habits and long-term growth.

  • We’ll help you keep an eye on changes to your report so you can track improvements, flag new issues early, and stay in control of your progress.

  • ILearn how credit works, what lenders look for, and how to manage your money wisely. We offer ongoing support so you can make informed decisions now and in the future.

  • If your report shows signs of identity theft or fraud, we’ll guide you through the appropriate steps — including fraud alerts, bureau notifications, and disputes for unfamiliar accounts.

  • We’ll help you formally request that creditors and collectors verify debts so you’re only responsible for what’s accurate and legally owed.

  • Rebuilding your credit can sometimes mean starting fresh. We’ll guide you in choosing secured credit card options and using them in a way that supports your goals.

Additional options:

Budget + Debt Management Planning

We’ll help you create a realistic, customized budget that aligns with your goals while offering guidance on prioritizing and managing your existing debts.

FICO Score Education

Understand the factors that influence your score, what lenders look for, and how to make smart decisions that support long-term credit health.

Referral Program (if approved)

Spread the word and get rewarded — when friends or family sign up using your referral link, you could earn service credits or exclusive perks (based on availability).

We’re Not Here to Fix You — We’re Here to Take This Journey With You.

Let’s talk about your credit.

Choose an Option that Works for You

All plans are built around the core services you’ll find in our credit repair toolkit — personalized dispute support, education, credit coaching, and more.

Essentials - $99

  • Disputes for up to 5 items per bureau per month

  • Unlimited credit education and budgeting support

  • Access to the client portal

  • Monthly progress reports

Advanced - $129

Disputes for up to 10 items per bureau per month

  • Creditor direct intervention

  • Inquiry suppression support

  • Cease & desist and validation letters

  • Monthly strategy check-ins

Elite - $159

Unlimited disputes per month

  • Priority case handling (3-day turnaround)

  • FICO score coaching

  • Debt negotiation assistance (non-legal)

  • Dedicated credit advisor

Optional Add-Ons:

  • Rapid Rescore (per bureau) – $45
    We’ll help you request an accelerated update to your credit report after resolving an issue — ideal when you're preparing for a major purchase and need your score to reflect recent changes fast.

  • Letter of Explanation Writing – $30
    If you’ve been asked to provide clarification for a credit issue, we’ll help you draft a clear, professional letter that supports your case and protects your reputation.

  • Rental Verification & Tradeline Review – $50
    We verify positive rental history and review tradelines for reporting accuracy — helping you build a stronger profile with more trustworthy data.

  • Authorized User Strategy – $40
    We'll guide you in safely leveraging authorized user accounts to strengthen your credit mix and add positive history — without taking on new debt.

One-Time Audit Fee:

Credit Audit & Analysis - $179

(Billed after services are performed.)

Full credit report review (all 3 bureaus)

  • Dispute strategy roadmap

  • Identity theft and fraud scan

  • Budget and debt-to-income evaluation

  • Delivered within 3–5 business days

  • Billed after services are performed

Why Credit Repair Matters

Your credit score isn’t just a number — it’s a gateway to opportunity.

  • 1 in 5 people have inaccuracies in their credit report.

    Mistakes like outdated accounts, incorrect balances, or even someone else’s information could be dragging down your score — without you even knowing it. These errors can hurt your chances at getting approved for credit cards, car loans, or a mortgage. The good news? We know what to look for and how to help you dispute inaccuracies - to get you back on track.

  • Low scores can increase your rates & limit your access to financial tools.

    Credit impacts what you pay for nearly everything — from interest rates and loan approvals to deposits on apartments, phones, and utilities. A lower score could mean higher monthly payments or being denied altogether. Repairing your credit can help lower those barriers and put more financial power back in your hands.

  • Credit Repair = Confidence

    Improving your credit isn’t just about numbers — it’s about peace of mind. When you understand where you stand and have a plan to move forward, the fear starts to fade. Credit repair gives you more than a better score — it gives you confidence to apply, qualify, and say yes to the opportunities you once avoided. At Ashroq, we’re not here to judge. We’re here to help you feel in control again.

Let’s Start the Conversation.

You don’t have to navigate credit repair alone. Let us know how we can support you — whether you’re ready to begin or just exploring your options. All messages are confidential.

If you have a general inquiry, please email solutions@ashroq.financial.

All inquiries are confidential. We’ll get back to you within 1 business day.

Want to learn more while you wait? Explore our credit repair toolkit →

Rooted in our community.

We’re just around the corner — and we’re ready when you are.