Begin Your Credit Restoration

Begin Your Credit Restoration

We use proven consumer-law strategies to fix errors, improve your credit score, and put you back in control of your finances.

Our step-by-step process challenges inaccurate negative items, protects your consumer rights, and helps rebuild your credit—whether you’re preparing for funding, a home, or peace of mind.

Take Control of Your Credit Now

The issue isn’t effort — it’s credit.

When your credit is damaged or inaccurately reported, it affects both your personal and business opportunities.

Oak Tower Financial helps you fix credit errors and move forward with confidence.

If your credit has been holding you back, it’s usually because of one or more of the following:

  • Inaccurate late payments or collections

  • Accounts reporting incorrectly or unfairly

  • Negative items that should’ve been removed

  • High balances or utilization hurting your score

  • Not knowing what’s actually lowering your credit

See How Credit Repair Works

Track Credit Changes

Save time and money

Guided Credit Progress

Our Pricing

One low start. Real credit repair. No guesswork.

Everything you need to challenge errors, restore your credit, and move forward with confidence — all in one proven process.

  • Full Credit Report Analysis

  • Personalized Credit Repair Strategy

  • Disputes Sent to All 3 Credit Bureaus

  • Creditor & Furnisher Challenges

  • Ongoing Credit Tracking

  • Guided Support Throughout the Process

  • Progress Updates & Next-Step Recommendations

Check My Credit Today

TESTIMONIALS

“I finally understand my credit now.”

I had no idea what was actually hurting my credit before working with Oak Tower Financial. They broke everything down clearly and challenged errors I didn’t even know existed. The process was simple, stress-free, and worth every dollar.

Jaime

“They gave me clarity and a real plan.”

I was overwhelmed by collections and late payments and didn’t know where to start. Oak Tower Financial reviewed my reports, explained everything, and handled the disputes professionally. I finally feel confident about my credit again.

Alyssa

“This was the best decision I made for my finances.”

I tried waiting it out and even online disputes, but nothing worked. Oak Tower Financial actually took the time to fix inaccurate reporting and guide me through the process. My credit is improving and I finally feel back in control.

Jovan

Frequently Asked Questions

1. How much does credit repair cost?

Our full credit repair service has a total value of $1,200, but you can get started today for just $199. This covers your initial credit analysis and dispute setup. Any additional monthly fees (if applicable) will be clearly explained before moving forward.

2. What’s included in your credit repair service?

Our service includes a full 3-bureau credit report analysis, a personalized credit repair strategy, professionally prepared disputes sent to the credit bureaus, creditor/furnisher challenges when necessary, and ongoing progress tracking and support.

3. How long does credit repair take?

Every credit profile is different. Some clients begin seeing changes within the first 30–60 days, while others may take longer depending on the type, age, and accuracy of negative items. Credit repair is a process — not an overnight fix.

4. Can you guarantee results?

No company can legally guarantee specific credit score increases or outcomes. What we do guarantee is that we will challenge inaccurate, unfair, or unverifiable information using consumer-law-backed strategies and guide you every step of the way.

5. Do I need good credit to get started?

Not at all. Oak Tower Financial works with clients at all credit levels — whether you’re rebuilding from collections, late payments, charge-offs, or simply want to clean up errors on your report.

6. Is credit repair legal?

Yes. Credit repair is completely legal under federal law. Consumers have the right to review, dispute, and correct inaccurate information on their credit reports. We help you exercise those rights properly and effectively.