Why should I us Transforming Life Solutions for Credit Repair?

TLS assists consumers in increasing their credit scores. Credit Repair is a complicated process and consumers can easily become overwhelmed. Most individuals simply do not have the time, knowledge, experience, or patience to deal with the massive bureaucracies and red tape of the credit bureaus. TLS eliminates the time you would spend gaining knowledge of the consumer laws and rights under the Fair Credit Reporting Act (FCRA), Fair Debt Collections Act (FDCA) and others laws affecting your credit.

How Long Before I See Results?

Most improvements are seen in as little as 30- 60 days but they are not complete results. The most honest accurate answer is that it depends — on your goals, your situation and how much work is needed to reach that goal. Once signed up your credit counselor can give you a personalized answer.

Can We Communicate via Email?

Yes! You can always email us with any questions you have. We’ll get back to you promptly so you are always moving forward.

If you are not already a client and have questions about the service please email us at .  If you are a member and have questions about your account email your personal repair counselor for assistance.

What Are The Costs?

 You may opt for the Monthly Membership Program (recommended) which has a low down payment of $199 and then $99 a month thereafter until services are complete. 

Do you contact only credit bureaus?

TLS will contact creditors as  well as the credit bureaus in our efforts to dispute and remove negative or inaccurate items from your report.

Will you work with me if I have a Bankruptcy?

Yes, But this is case by case depending on your repair needs. Please contact us at  with questions or for a free consultation. The short answer is that yes, we can help with bankruptcies; however we are honest and upfront when helping you identify your expectations. TLS can also help you reestablish credit after a major event like a bankruptcy, foreclosure or repossession.

What if my negative items are accurate?

TLS can still help you clean up negative items even though they may be accurate. We do this by fully exercising your rights under the governing consumer laws.

Will pulling my credit report hurt my score?

Accessing your own credit score does not affect your score. Access to your own credit scores on demand is one of your many rights under the consumer credit laws.

How do I get started?

You may Sign Up on line (click on Get Started Now! ) directly or complete the short form to request a Free Consultation. Either way, a Credit Counselor will be assigned and contact you shortly via phone to assist you further. You may also signup or request info via phone at (501)303-6808.