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Better Credit.
Better Rates.
Easier Life!

Let us help you restore and build your credit;
Contact us to get started today!
You control your credit profile; Don't let your credit profile control you!
 

How it Works

Have you been having a difficult time trying to obtain financing? Planning to apply for a new auto or home loan within the next 12 months and have bad credit?

 

You've come to the right place!

Here at Surplus Financial Services, we promise to use our knowledge and professional tools to assist you in improving your credit profile. Schedule your consultation today so we can get you started on your credit restoration journey!

*Please keep in mind that your credit was not damaged overnight. It will take some time to get it where it needs to be. With us working together, this will be an amazing journey!

STEP ONE 

Schedule a consultation with us. During your initial consultation, we will discuss your credit repair motive, your credit goals and if Surplus Financial Services will be able to assist you. 

STEP TWO

We will begin with an in-depth analysis of your Experian, Equifax, and Transunion reports. You will provide these to us via a separate credit monitoring signup through either Identity IQ or Smart Credit. Whichever you choose, you will be REQUIRED to keep the membership active for the duration of your credit repair program with Surplus Financial Services.

STEP THREE

After the in-depth report analysis, we will have you evaluate the analysis with us and from there we will work with you to begin challenging inaccurate items on your report with the creditor, bureaus, and collectors. You will receive responses directly from the bureaus within 45 days. All progress will be tracked and available to you via our client portal.

79%
of all credit reports contain errors!
We will work with you to correct, update, and/or remove inaccurate, misleading, and unverifiable items from your reports such as:

Outdated Information

Collection Accounts

Evictions

Foreclosures

Repossessions

Duplicate Accounts

Fraud

Inquiries

Student Loans

Late Payment

Charge-Offs

Identity Theft

Personal Information

Medical Bills

Bankruptcies

Authorized Users

CONTACT US !

OUR PLANS & PRICING

Single Plan
$99

Every Month

$175 Enrollment/Audit Fee

3 Credit Bureau Audit-Analysis

Credit Education

24/7 Client Portal Access

Monthly Updates

Customer Service Support

Credit Building

No Contract

Unlimited Disputes

Monthly Credit Monitoring REQUIRED!!

Money Back Guarantee if No Improvements in 120 Days

Inquiry Removal

One-Time Payment

Hard inquiries affecting your credit?

Don't need a full repair package?

1 - 5 . . . $29

6-10 . . . $49

11-20 . . . $69

20+ . . . contact for fee

Couples (Married) Plan
$168

Every Month

$320 Enrollment/Audit Fee

3 Credit Bureau Audit-Analysis

Credit Education

24/7 Client Portal Access

Monthly Updates

Customer Service Support

Credit Building

No Contract

Unlimited Disputes

Monthly Credit Monitoring REQUIRED!!

Money Back Guarantee if No Improvements in 120 Days

Late Payment Removal

One-Time Payment

$49

Don't need a full credit repair package?

A few late payments affecting your credit?

Up to 5 late payments ONLY!

Payment is for one month of service

 

Get Started Today !

3 Sugar Creek Center Blvd Ste 100

Sugar Land, TX 77478

1-888-834-0303