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Our Services

Results-Based Credit Advocacy

At Patriots Credit Services, we stand apart in the credit advocacy industry by employing comprehensive strategies that go beyond traditional dispute methods. Our proactive approach ensures that we deliver exceptional results by directly challenging collection agencies and creditors, and securing Pay For Delete agreements whenever possible. Our team meticulously removes inaccurate, outdated, or unfair items from your credit report to give you the fresh start you deserve.

Our Comprehensive Services

Credit Advocacy

We advocate for the removal of negative items from your credit report by leveraging consumer protection laws. Our team engages in direct communication with collection agencies and creditors to resolve disputes and inaccuracies.

Debt Negotiation

Our skilled negotiators work to reduce your debt burden by securing favorable settlement terms with your creditors, helping you regain control of your finances.

Student Loan Consolidation

We assist in consolidating your student loans into manageable payment plans, easing the financial strain and helping you achieve long-term financial stability.

IRS Resolution

We provide expert assistance in resolving IRS issues, ensuring that your tax-related challenges are handled efficiently and effectively.

Our Approach

Free Initial Consultation

We begin with a comprehensive credit analysis to understand your unique financial situation and determine the best course of action

Every communication we send is through certified mail, creating a detailed paper trail that serves as a powerful tool against collection agencies, credit bureaus, and creditors

Our credit professionals, debt negotiators, student loan consolidation, and underwriting specialists develop a tailored plan that aligns with your financial goals

We take a proactive stance by not only disputing with credit bureaus but also negotiating directly with collection agencies and creditors

We keep you informed every step of the way, ensuring transparency and accountability

Why Choose Us?

Experience and Expertise

Our Board of Directors boasts over 75 years of combined experience in the credit, mortgage, and lending industries.

Legal and Compliance Assurance

Our in-house attorney ensures that all our practices adhere to the highest legal standards, providing invaluable insights and compliance assurance.

Results-Based Payment Structure

We believe in charging for results, not time. Our commitment to your success is reflected in our payment structure, which focuses on achieving tangible improvements in your credit.

100% Money-Back Guarantee

We prioritize your satisfaction and success, offering a money-back guarantee if you are not satisfied with our services.

Additional Features


  • Credit Building Services: We provide guidance on how to build a solid credit profile, helping you establish a strong financial foundation.


  • Debt Validation: Our team rigorously validates debts to ensure their accuracy and legitimacy.


  • Goodwill Letters: We assist in drafting and sending goodwill letters to creditors to foster positive resolutions.


  • Online Portal Access: Clients have access to an online portal for real-time updates and easy management of their credit repair process.

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Enhanced Features and Benefits


Drawing inspiration from the best practices observed on top credit repair sites like Lexington Law,, Sky Blue Credit, and The Credit Pros, Patriots Credit Services integrates additional features to enhance client experience and service effectiveness:


  • Credit Monitoring: Your credit reports are monitored continually to track progress and alert you to changes.


  • Identity Theft Protection: Comprehensive identity theft insurance to safeguard your personal information and financial assets.


  • Mobile App Access: Manage your credit repair process on the go with our user-friendly mobile app.


  • Personalized Financial Coaching: One-on-one coaching sessions to provide tailored advice and strategies for credit improvement and financial management.


  • Educational Resources: Access to a wealth of resources, including articles, guides, and webinars, to help you understand and navigate the credit repair process.

Get Started Today

Take control of your financial future with Patriots Credit Services. Contact us today for a free consultation and start your journey towards credit improvement and financial freedom. Our team is ready to assist you in unlocking your full credit potential.