Unlimited Resources, One Place

Get the credit
that you deserve

CreditStream is a credit repair and restoration company that specializes in consumer services and credit education.

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How it Works

Flow Of Your CreditStream

Research Phase

Dispute Phase

Maintenance Phase

Our three phase approach helps streamline the cycle of events to manage expectations for our clients. We believe in providing a clear and transparent overview to help you stay informed.

Why CreditStream

CreditStream leverages experience and proven successes to deliver a five star experience to our clients. 

90 Day Guarantee


Affordable Programs

Easy signup

Choose your plan, Sign up and Monitor

Our simple three step process is designed to eliminate the guesswork. Simply choose the plan that works best for you, sign up and then monitor progress. 

How We Help

Fix and improve your credit health.

Credit Report Analysis 

Credit Disputing 


Dispute Escalation


Credit Score Analysis & Education

Credit Score Factors

These are the five factors that effect your score.

Payment history 35%

Credit utilization 30%

Credit inquiries 15%

Length of history 10%


Credit mix 10%

Your Rights

Did you know?

The Fair Credit Reporting Act (FCRA) exist to protect consumers by governing credit bureaus, furnishers and financial institutions alike. The act provides a very comprehensive overview of rights available to consumers including but not limited to:

  • Credit bureaus are required to provide one free credit report every 12 months.

  • Credit bureaus are required to verify the accuracy of information listed on the report.

  • Creditors and financial institutions are required to only report complete and accurate consumer information.

  • Consumers can challenge incorrect and incomplete items listed on a credit report.

  • Consumers can seek damages from credit bureaus and furnishers violating the FCRA.

  • Consumers can limit who can access your credit reports.

  • Consumers can request if your credit report is being used against you financially.


See more about the FCRA and your rights as a consumer below.

Frequently Asked Questions

The latest from CreditStream

What is credit repair?

Credit repair is the process of improving a poor credit score by addressing or removing negative items that could be listed on your reports inaccurately. Although the Fair Credit Reporting Act outlined the right for Americans to have accurate credit reports, credit reporting agencies require you to navigate complicated online systems and send a series of formal dispute letters in order to fix your credit.

Can I do credit repair on my own?

Absolutely! In fact you can do everything that we do completely on your own. However, if you prefer to work with our team we will leverage our experience to help you on your credit journey.

How do I know if a credit repair agency is reputable?

There are a number of exceptional agencies out there with stellar reputations but there are some key things to keep an eye out for. 1. Are they attempting to charge you upfront? Credit repair agencies may charge a first work fee but not until a service is actually performed. 2. Are they making guarantees? While every agency strives to deliver a 5 star experience results do vary and nothing is guaranteed. 3. Is the agency able to clearly explain the process taken to fix your credit?

How long does the credit repair process take?

Credit repair is not an exact science and each report is unique. With that, time frames do vary but we work with a number of clients each month and typically they stay with us for six months.

What is your cancellation policy?

You may cancel your service anytime within 5 business days of enrollment for a full refund by sending us certified mail to the address on your agreement or via email at cancel@credit-stream.com. We bill after work has been performed therefor cancellations after 5 business days shall require 30 days notice and one final payment due for services rendered. 

Our Clients

What are clients are saying?

"Not just another repair agency"

CreditStream helped me learn more about financial literacy on my credit journey.

Alan Wright
Sarasota, FL

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