Starlight Credit Repair LLC

What is a credit score?

A credit score is a number generated by a mathematical formula that is meant to predict credit worthiness. Credit scores range from 300-850. The higher your score is, the more likely you are to get a loan. The lower your score is, the less likely you are to get a loan. If you have a low credit score and you do manage to get approved for credit then your interest rate will be much higher than someone who had a good credit score and borrowed money. Therefore, having a high credit score can save many thousands of dollars over the life of your mortgage, auto loan, or credit card.


700-749 GOOD

650-699 AVERAGE

550-649 POOR

300-549 BAD

What affects your Credit Score?

How it works

3 Easy Steps


We'll give you a free consultation and

​ credit analysis


While we use the law to challenge

​ negative items on your report

See Results

Log in to see real time progress every

​ step of the way

Create An Account

You will be sent a link to create an account in our client software and order credit monitoring. We'll analyze your credit report. We'll be looking for negative items that may be hurting your score.

The Disputes Begin

We will then write to each of the 3 credit bureaus as well as original creditors directly. The letters will include disputes, appeals, validation requests and goodwill intervention. Keep in mind we take an aggressive approach and will be doing this for all of the qualifying negative items on your reports right from the start. Also, you can log into our client portal and check your progress report, which will show you what has been removed and which items remain. Our client portal is updated every 30-45 days.

Results Will Come

Your results will be mailed directly to the mailing address you've provided upon enrollment. These letters need to be uploaded to your portal within 3 days of receiving them. We will analyze the items removed and generate new disputes addressing the again. We will do this every 30-45 days until we get the best results possible.

Tips & Managing your credit

• Never charge more than 30% of the available balance on any of your credit cards. Banks like to see a nice record of on-time payments, and several credit cards that are not maxed-out. If you are carrying high balances on your credit cards, then make paying them down below 30% a priority. Do use your credit cards – Many people who make mistakes with their credit believe that the best way to fix things is to never use credit again. If you are afraid that you cannot handle your credit cards correctly then the best policy is probably this one: Run only your utility bills on your credit cards each month, and then pay the balance in full by the due date. This ensures that your utility bills get paid on time automatically, and as long as you keep the habit of paying off your credit card balance each month your score will continue to go up. Leave the credit cards locked in a safe or drawer at home.

• Keep your accounts open as long as possible – Even if you are no longer charging on the card. The best policy is to keep those unused accounts open, blow the dust off your card every few months to make a small purchase, then pay it off. How long each of your accounts have been active is a major factor in your credit score. • Remember that this all takes time – Following the above steps consistently over a long period of time will increase your credit score and allow you to qualify for better loans and lower interest rates. Repairing your credit score does not happen overnight, so if you do these things for a few months and do not see a large increase in your score, do not give up. They are all habits that you will want to maintain throughout your life, as they will help you to keep your finances and lines of credit under control.