Turn your credit around with a clear, compliant process.
We help you review your credit report and prepare professionally drafted correspondence to address inaccurate, outdated, or unverifiable information. We also help qualified clients explore funding options once they're ready — so you can move forward with confidence.
If nothing is removed from your credit report within 60 days, you'll receive a full refund — minus the certified mailing fee. We stand behind our work.
Watch How It Works
See the 180 Turnaround in 90 Seconds
A quick look at how we help you challenge inaccurate, unverifiable information — supported by federal consumer protection laws.
Tap the video to play with sound. Runs about a minute and a half.
Partner Program
Receive a Donation for Every Client You Send Us
Join the 180 Ministries partner program and receive a donation for helping people take control of their credit. Share your unique links for free credit audits, credit consulting, and funding opportunities.
Great fits include realtors, auto dealers, insurance agents, tax preparers, financial coaches, churches, barbershops and salons, apartment locators, real-estate investors, business consultants, social media influencers, and community organizations — but you don't have to be in any of these fields to become a partner. Anyone can apply.
Your Own Links
Separate referral links for credit consulting, funding, and free audits.
Track Everything
Watch clicks, signups, clients, and donations update in real time.
Receive Donations
A donation of up to $35 per enrolled client, plus 20% of the net funding we receive.
Applications are reviewed before approval. Donations are sent after referred clients pay for services.
We Help You Get Funded
Funding options we help with
Credit work is the means — funding is the goal. If you don't qualify today, we fix your credit first and bring you straight back to funding when you graduate.
Business funding
Working capital, lines of credit, and business credit cards for your entity.
Personal funding
Personal loans and personal credit lines based on your income and profile.
Personal credit card stacking
A sequenced set of personal 0% intro credit cards opened in the right order.
Business credit card stacking
A sequenced set of business credit cards opened under the EIN in the right order.
Auto financing
Getting approved on a vehicle at a rate that isn't predatory.
Vehicle title loan (use your car as collateral)
If you own your vehicle and hold a clear title, we look for title-secured and auto-equity loans — usually approved on the vehicle's value, not just your score.
Emergency funding (need cash fast)
Rent, car repair, medical bill, utility shutoff — fast-funding options that look at income and situation more than your credit score.
Home / mortgage readiness
Getting your file where an underwriter needs it before you apply.
No up-front funding fee. Funding details are discussed once you're ready to move forward. We are not a lender and approval is always the lender's decision.
0+
Negative Items Addressed
0+
Clients Served
0 Days
Average First Results
0.0/5
Client Satisfaction
*These figures are estimates for illustrative purposes. Individual results vary.
🇺🇸 Trusted by clients across the U.S. to challenge inaccurate credit reporting.
What Sets Us Apart
We Don't Send Generic Letters.
Most companies blast out the same cookie-cutter templates to the bureaus. We take a completely different approach — one rooted in actual federal law and tailored document preparation.
Other Companies
Generic & Ineffective
- Copy-paste templates sent to every bureau
- No legal basis cited — easy for bureaus to ignore
- One-size-fits-all approach regardless of your situation
- Monthly subscriptions that drag on with no accountability
180 Ministries
Law-Based & Strategic
- Every letter cites specific statutes under the FCRA, FDCPA & CROA
- Custom-tailored strategy based on YOUR unique credit report
- Bureaus are legally required to investigate properly cited correspondence
- Flat-fee pricing — no endless monthly charges
Real law. Real strategy. Real results.
When correspondence is backed by federal statutes, bureaus can't just brush it off.
Process
How It Works
A simple, step-by-step process designed to be transparent from start to finish.
Request Your Free Review
Share basic info so we can pull your credit report overview and identify potential issues.
We Analyze Your Report
Our team reviews each item and identifies inaccuracies, outdated entries, and unverifiable data.
Correspondence Is Prepared
We prepare and send professionally drafted correspondence to the credit bureaus on your behalf, following federal guidelines.
Track Your Progress
Receive monthly updates and see which items have been updated or corrected on your report.
Our Technology
Powerful Tools to Help You Restore Your Credit
We provide our clients with powerful technology and resources designed to make the credit restoration process simple, transparent, and effective.
Secure Client Dashboard
Every client receives access to a private online dashboard where they can monitor their case, track dispute progress, upload documents, and manage their account anytime.
Secure Mobile App Access
Clients can access their account through our secure mobile app, allowing them to check updates, upload documents, and communicate with our team directly from their phone.
24/7 Progress Tracking
Stay informed with real-time updates showing the progress of disputes, account changes, and improvements to your credit profile.
Fast & Secure Document Upload
Easily upload identification, supporting documents, and required paperwork directly through your secure account to keep your case moving forward quickly.
Automated Correspondence Processing
Our system helps generate and process strategic correspondence designed to challenge inaccurate, outdated, or unverifiable information on your credit report.
Credit Report Monitoring
Review updated credit reports and see which accounts have been corrected or updated as we work on improving your credit.
Secure Messaging
Communicate directly with our team through our private messaging system, making it easy to ask questions and receive updates throughout the process.
Digital Client Onboarding
Complete the entire sign-up process online in minutes, including secure document submission and electronic agreements.
Automated Status Notifications
Receive automatic alerts when there are updates to your account, dispute results, or when additional information is needed.
Convenient Payment Management
Clients can easily manage payments, billing, and subscriptions through a secure online payment system.
Guided Credit Restoration Process
Our structured process walks you through each step of restoring your credit while helping you build stronger financial habits for the future.
Client Portal
Your Progress, Right in Your Pocket
Every client gets access to our branded mobile app — track your credit score, monitor correspondence progress, upload documents, and stay informed every step of the way.
Mobile App Access
Log in anytime from your phone to check your credit score and case updates.
Real-Time Score Tracking
Watch your credit score improve as we work on addressing inaccuracies.
Secure Document Uploads
Upload IDs, statements, and supporting documents directly through the app.
Instant Notifications
Get alerts when correspondence is sent, responses arrive, or action is needed.
Already a client? Log in to your portal →
The Difference
Good Credit vs. Bad Credit
Your credit score affects nearly every financial decision. See how it impacts your life.
Bad Credit
Below 580 Score
- Denied for mortgages or forced into high rates
- Auto loans with 15–25% interest rates
- Credit cards with sky-high APRs or denied entirely
- Security deposits required for utilities & rentals
- Higher insurance premiums
- Difficulty renting apartments or getting hired
Good Credit
700+ Score
- Approved for mortgages with the best rates available
- Auto loans at 3–6% interest — saving thousands
- Premium credit cards with rewards & low APRs
- No security deposits — move in with ease
- Lower insurance premiums across the board
- More housing options & better job opportunities
Don't let bad credit hold you back.
Take the first step toward financial freedom today.
Savings
See How Much You Could Save
Good credit doesn't just open doors — it saves you real money. See the difference.
Bad Credit (Below 580)
8.5% interest rate
Monthly Payment
$2,307
Total Paid Over 30 Years
$830,427
Good Credit (700+)
3.5% interest rate
Monthly Payment
$1,347
Total Paid Over 30 Years
$484,968
$345,458
over the life of your home mortgage
*Estimates are for illustrative purposes only and do not represent guaranteed rates or outcomes.
Services
What We Can Help With
We focus on identifying and addressing items that may be inaccurate, outdated, or unverifiable on your credit report — including bankruptcies and bankruptcy-related accounts.
Pricing
Simple, One-Time Pricing
No monthly fees. No hidden charges. Just one payment and we get to work.
1–5 Negative Items
Basic Plan
$197one-time
- Full credit report analysis (all 3 bureaus)
- Address 1–5 negative items
- Multiple rounds of correspondence included
- Progress tracking & updates
- Email & phone support
- 60-day money-back guarantee (minus mailing fee)
6–15 Negative Items
Standard Plan
$297one-time
- Everything in Basic Plan
- Address 6–15 negative items
- Priority processing
- Creditor interventions
- ChexSystems support
- Dedicated case manager
15+ Items or Bankruptcy
Premium Plan
$397one-time
- Everything in Standard Plan
- Address 15+ negative items
- Bankruptcy documentation support
- Identity theft assistance
- Bureau & creditor correspondence
- Escalated strategies
Mailing Fee
A $40 per round certified mailing fee (return receipt requested) applies to cover postage and delivery tracking for each round of correspondence.
Why us
Why 180 Ministries
Education First
We empower you with knowledge about your credit rights and how the process works.
Clear Communication
You'll always know where things stand with regular updates and responsive support.
Compliance-First
Everything we do follows FCRA, FDCPA, and CROA guidelines — no shortcuts, no gimmicks.
Secure Handling
Your personal data is encrypted and handled with the highest standards of privacy.
Testimonials
What Our Clients Say
Real feedback from real clients. Individual results vary.
"180 Ministries walked me through every step. I finally understand my credit report and what I can do about it."
Marcus D.
Atlanta, GA
"Professional, responsive, and honest about what to expect. I felt supported the entire time."
Tasha W.
Houston, TX
"They helped me identify errors I didn't even know were there. The process was straightforward and transparent."
Luis R.
Phoenix, AZ
FAQ
Frequently Asked Questions
How long does the process take?
Results vary by individual. Some clients see changes within 30–45 days, while more complex cases may take several months.
Will this hurt my credit score?
No. Challenging inaccurate information is your legal right and does not negatively impact your score.
Do you guarantee a specific credit score?
No. We never guarantee specific scores or outcomes. Results depend on the accuracy of items on your report.
What laws protect my right to challenge inaccuracies?
The Fair Credit Reporting Act (FCRA) gives you the right to challenge inaccurate, outdated, or unverifiable information.
Can I cancel at any time?
Yes. You may cancel within 3 business days for a full refund, and you can cancel ongoing services at any time.
Do you offer a money-back guarantee?
Yes. If nothing is removed from your credit report within 60 days of our first round of certified correspondence, you'll receive a full refund — minus the actual certified mailing fee.
Do I need to provide my Social Security Number on this website?
No. We never collect SSN or DOB through our website. Sensitive information is only collected through our secure, encrypted enrollment portal.
DIY Credit Consulting
Prefer to Address Your Credit Yourself?
We get it — some people like to take matters into their own hands. Visit our digital store to purchase professionally drafted correspondence templates, guides, and tools so you can challenge inaccuracies on your credit report yourself.
Correspondence Templates
Law-based letters citing FCRA, FDCPA & CROA — ready to customize and send.
Step-by-Step Guides
Easy-to-follow instructions on how to challenge items with all three bureaus.
Credit Report Breakdown
Learn how to read and understand every section of your credit report.
Credit Monitoring
Don't Have Credit Monitoring?
Credit monitoring is essential for tracking your progress and staying informed about changes to your report. Sign up through our trusted partner to get started.
Free Consumer Resource
Join the American Consumer Council
The American Consumer Council (ACC) is a national non-profit consumer education organization. Membership is free, and it unlocks doors most consumers never hear about — especially credit union eligibility you can use while you rebuild.
Credit union eligibility
ACC membership qualifies you to join many credit unions nationwide — often the friendliest lenders for rebuilding credit and getting funded.
Consumer education
Free resources on credit, budgeting, identity protection, and your rights as a consumer.
Consumer advocacy
A non-profit that advocates for consumer protection and fair treatment in the marketplace.
Member savings
Access to member benefits, discounts, and partner programs at no membership cost.
The American Consumer Council is an independent organization and is not affiliated with 180 Trust Ministries. We share it as a free educational resource.
Trusted by clients across the U.S. to challenge inaccurate credit reporting.
Ready for a Fresh Start?
Take the first step toward a cleaner credit report. Start with a free audit or enroll today.
Disclaimer: We do not guarantee specific outcomes. Results vary by credit profile. We only address information that is inaccurate, outdated, incomplete, or unverifiable in accordance with federal law.