Increase Credit Score Fast.

Fix your credit
Build your future

Trusted By Many, Proven By Results

Sadaf Omidy

ceo & co-founder

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We Build An Affordable Plan That Works For You

You Get Out Of Debt Faster Tack Back Your Life

Break Free from the Cycle of Debt!

Are you living paycheck to paycheck? Do you find yourself with no savings and only managing to pay the minimum on your credit card debts month after month? If your debt remains high despite these minimum payments, it’s likely that you’re primarily paying interest instead of reducing your balance.

Did you know that two-thirds of your minimum payment goes towards interest? Imagine this: every month, a significant portion of what you pay is simply wasted on interest, leaving you stuck in a never-ending cycle of debt. Think about how many hours you have to work just to cover these costs.

Debt Forgiveness upto 70%

What if you could break this cycle? We offer a powerful solution that could qualify you for 50-70% forgiveness on both interest and principal. Not only can we help reduce your total debt, but we’ll also set up manageable installments for any remaining balance.

Don’t let your hard-earned money go to waste on interest payments. Instead of struggling to keep up with debt, consider taking action to save money and regain control of your financial future.

Contact us today for a consultation and discover how debt forgiveness can be the best option for you. Together, we can pave the way to a brighter, debt-free tomorrow!

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Don’t let financial worries strain your bond. Join the hundreds of couples who’ve found relief and hope with Advanced Credit Therapy

CEO & Co-Founder,
Advanced Credit Therapy

I’m Sadaf Omidy. For over a decade, I’ve transformed complex credit challenges into powerful financial opportunities for thousands of clients. I empower individuals to break free from debt, master their credit, and build a secure future through a proven framework rooted in transparency and integrity.

My approach centers on one word: results. I deliver them through a system built on

A Personalized Strategy: Tailored to your unique financial situation.
Unwavering Integrity: Every promise I make is a promise I keep.
A 100% Money-Back Guarantee: I stand behind my work with a full commitment to your satisfaction.

I also partner with professionals in real estate, mortgage, and auto industries to help their clients achieve their goals. Let’s collaborate to create lasting value and build a brighter financial future together.

Your future is waiting—let’s build it.

Comprehensive Credit Solutions

1 Credit Repair

We identify and dispute inaccuracies on your credit report, helping you restore your credit score quickly and effectively with proven strategies.

2 Business Credit

Build strong credit for your business without relying on personal guarantees. Unlock funding opportunities and scale your company with confidence.

3 Increase Credit Score

Get personalized advice and actionable steps to boost your credit score. Our system guides you toward creditworthiness and long-term financial health.

4 Debt forgiveness

Life happens — we’re here to help you bounce back. Rebuild your credit with structured programs designed for long-term stability and recovery.

Student Loan Debt Reduction and repairing Made Simple

Struggling with student loan payments? Whether your loans are private or federal, we can help. For private student loans, we may reduce your balance by 30%–60% and set up a long-term repayment plan with no interest, so payments fit your budget.

If your loans are late or in default, we work to remove negative marks from your credit report and bring your account current—helping you rebuild credit while regaining financial control.

Don’t let student loan debt hold you back. Take the first step toward affordable payments and a stronger financial future today.

What Can We Remove From Your Credit Report?

Collection Accounts
Charge-Offs
Repossession Records
Late Payments & Delinquencies
Bankruptcies
Medical Bill
Inquiries
Personal Information Clean Up
Other Negative Items

The Power of Federal Laws — Your Rights to Fix Your Credit!

Fair Credit Reporting Act (FCRA)
&
Fair Debt Collection Practices Act (FDCPA)

These laws give you the right to challenge and dispute inaccurate, outdated, or unverifiable negative items. Our experts leverage these laws to aggressively remove items that harm your credit score.

Free Credit Analysis

We review your report to identify negative items.

Dispute & Negotiate

We work directly with credit bureaus and creditors to remove inaccuracies.

Results & improvement

Watch your score climb as negative accounts disappear!

How Federal Laws Allow You to Clean Your Credit

The Fair Credit Reporting Act (FCRA) — Section 609: This law gives you the right to request information about your credit report and challenge any inaccurate, outdated, or unverifiable items. If the credit bureau cannot verify the information within 30 days, they are required to delete it. This is your legal tool to dispute and remove negative accounts.
The Fair Debt Collection Practices Act (FDCPA) — 15 U.S. Code § 1692g: This law mandates that debt collectors must validate debts upon request. If they cannot provide proper verification, they are prohibited from reporting or collecting on that debt. This legal requirement can lead to the removal of invalid collection accounts from your credit report.

What Our Clients Say

I've been in a combat environment, and there you have a team ... Advanced Credit Therapy started working with me and suddenly, | had my team. They reduced 70% of my Bank of America credit card debt. I had my support structure to push myself forward.

Best service ever, they are super honest. Also they say exactly what happens with my credit card debts and help me a lot with advices, if you need any help with your credit card debts and your credit score hired them. They help you with everything you need.

John was amazing! He addressed all my needs and made the conversation pleasant and not transactional. He made me feel great about my decisions. | am glad to be able to be helped by John and reduced 55% of my personal loan . He went over everything in great detail. Thank you for helping me have a better future!

The anxiety is gone, | am credit card debt-free. And that right there, | never thought | would be able to say those words, and it just feels so good. 65% of my credit card debts was forgiven

Got Questions About Credit or Debt? We’re Here to Help – For Free!

We are America’s most trusted platform that connects US Residents who are struggling with their debts to debt advisors who are best equipped to help them.