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Repair Your Credit in Just a Few Short Months

From Debt Consolidation to Credit Disputes,


Take Control of Your Credit

What began with a passion to help others find financial freedom, has become a financial lifeline for over 25 years.   Patriots Credit Services is your go-to, trusted partner in nationwide credit repair.  Are you overwhelmed by debt or burdened by a low credit score? Like many others, you may be unsure of where to turn or what your options are.  The good news is that you can take control of your credit with the help of Patriots Credit Services!

Our team understands the complexities of credit issues and is here to help. Our in-house attorney tackles the challenging situations and our underwriting department provides credit file reviews to ensure you can be confident in your financial decisions.

Our comprehensive services are tailored to your needs, from credit repair and counseling, as well as debt negotiation and student loan consolidation. We’ve also forged partnerships with local mortgage companies and real estate agents to assist in your home buying journey.

Patriots Credit Services takes pride in going above and beyond, using our years of experience to deliver top-notch service, and consistently ranking in the top 2% of the industry.  

Our Services Include:

  • Credit Repair:  We advocate for the removal of inaccurate or unfair items from your credit report, leveraging consumer protection laws.
  • Credit Counseling: We provide guidance and strategies to responsibly manage your credit, rebuild your history, and achieve long-term financial stability.
  • Debt Negotiation: We negotiate favorable settlement terms with your creditors to reduce your debt burden and regain control of your finances.
  • Student Loan Consolidation: We help consolidate your student loans into a manageable payment plan, easing the financial strain.


Don’t wait to take control of your credit! Call our experts at Patriots Credit Services and take the step towards financial freedom.

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How Can We Help?

  • Credit Repair
  • Credit Counseling
  • Debt Negotiation
  • Student Loan Consolidation
  • In-house Attorney
  • In-house Underwriting Department
  • Local Mortgage companies that get you APPROVED
  • Local Real Estate agents to find your dream home

What Sets Us Apart?

  • Free initial consultation 
  • Detailed credit exams
  • Comprehensive, personal repair strategies
  • Direct dispute services
  • 75 years combined credit and mortgage experience
  • Meticulous compliance and accountability
  • Results-based compensation
  • Service payment plans that fit your situation


Patriots Credit Services is a certified credit repair company that uses FCRA, FDCPA, FACTA, and FCBA to remove inaccurate items from your credit file. This boosts your credit score, increases the approval chances of your financial goals, and saves thousands of dollars in interest, yearly. 

Unlike other credit repair companies, we go above and beyond traditional dispute methods to deliver exceptional results.  And we charge for results, not time, ensuring an affordable, results-driven credit repair experience.

Our Mission

With over 25 years of experience, Patriots Credit Services is dedicated to empowering individuals through comprehensive credit repair and financial solutions. Our team goes beyond traditional dispute methods by directly engaging with collection agencies and creditors to remove inaccurate or unfair items from credit reports. Guided by an attorney, we uphold the highest compliance standards, ensuring legal soundness in all our services.

Beyond credit repair, we provide tailored solutions such as credit counseling and debt negotiation to address your unique financial needs and goals. Our results-based payment structure reflects our commitment to your financial well-being.

Our mission is simple: to be your trusted partner in unlocking your credit potential and fostering positive financial change. Together, we’ll build a brighter financial future.

Our Association

Customer Reviews

Free Credit Analysis

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Dannie and I would like to give a big Thank You to Craig Rice with Patriots Credit Services! He has helped us out tremdonsly with fixing our credit and soon we will be able to buy our own home! It definitely means a lot to us and we recommend anyone that needs a lil' assist with their credit!! We're so excited to be able to raise our kids in a place they truly call home forever!
Marty Wimes
Marty WimesExtremely Satisfied
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I have been trying to repair my credit for years. I first started by trying to do it myself and realized that I don't have a clue what I was doing. So I tried Lexington Law Firm I figured they would get things straightened out. Well after 7 months and $127 a month they manage to get one thing deleted, so I gave up on them. My fiance told me about Craig Rice so I gave him a try. After 5 to 15 minutes of listening to him explain things to me I knew right then he knew what he was talking about. So about a month in I was getting worried that it might not happen so called Craig. I asked him does he think it's better to negotiate with the creditors and arrange to pay them? He told me no let's hold on a few days the results will be in. And sure thing he was right he got 10 creditors deleted, my credit score was 524 it jumped to 574, then he helped me get a secure card. Once that showed on my credit, it jumped to 666 when seen that I was shock. I was glad I went with Patriots they did a outstanding job and the good thing is, Craig will continue to work with me. I highly recommend this service.
Gary Corbin
Gary CorbinWOW!
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Wow. First let me say how excited I am that I am closing on a new home Feb 23rd, 2018. I started my journey with Craig Rice at Patriots in the fall of 2017 if that tells you anything. I had gone through a divorce and all the debt that comes with it. Craig cleaned up my credit quickly and efficiently. My largest debt was 4000 dollars and that was the first to come off all three credit bureau's. Not only did I walk away with clean credit, I walked away with a new friend. CRAIG RICE IS AWESOME!!!
Jessica Baran
Jessica Baran
Jessica Baran
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We used them to help bring up our scores, to get approved for a mortgage. In like 3 months they had our scores up high enough and even set us up with a mortgage guy. Easy process, great people. I highly recommend them!
Cherelle Jackson
Cherelle Jackson
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Patriots Credit walked me through the entire process of cleaning up my credit, were there at any day and time to answer any questions or concerns that I had. I was led into the right direction as to getting my credit score up. I would strongly recommend PCS.
Julie Humpal
Julie Humpal
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I recently had the pleasure of working with Patriots Credit Service to help one of my clients improve their credit and prepare for the purchase of their dream home. And I must say, the level of service and expertise provided by this company was absolutely outstanding. Their team of experts was able to identify areas where my client's credit was lacking and worked tirelessly to improve their credit score. They provided my client with personalized guidance and support every step of the way, and went above and beyond to ensure that my client was in the best possible position to purchase their home. What impressed me the most was the incredible job they did in such a short period of time. My client's credit score improved significantly, and they were able to secure a mortgage with a great interest rate thanks to Patriots Credit Service's expertise and guidance. Beyond their expertise, the team at Patriots Credit Service was also a pleasure to work with on a personal level. They were friendly, approachable, and genuinely cared about my client's well-being and satisfaction. Overall, I would highly recommend Patriots Credit Service to anyone in need of credit repair services. They are truly the best in the business and their commitment to excellence is evident in everything they do. Thanks to their efforts, my client was able to purchase their dream home and achieve their financial goals.
Seaver Sisler (Your Real Estate Guy)
Seaver Sisler (Your Real Estate Guy)
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Patriot Credit has been a great asset and partner when I’ve had clients needing help repairing their credit in order to purchase a home. I’m amazed by the things they’ve been able to do for them! I highly recommend anyone needing help with their credit to contact them.

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