A boutique credit-optimization firm in West Hollywood, serving clients nationwide — built on federal consumer law, not templates and monthly billing.
Most credit repair companies bill monthly — which means their revenue grows the longer your file stays broken. We built Major Credit Repair on the opposite model: one enrollment, one protocol, a 90–120 day horizon, and every escalation tool included from day one.
Our dispute work is grounded in the Fair Credit Reporting Act, the Fair Debt Collection Practices Act, and the Metro 2 reporting standard the bureaus themselves are required to follow. Every letter is filed by certified mail with proof of delivery — because a dispute that isn't on the record is a dispute that's easy to ignore.
And we hold a line most of the industry won't: we never touch your positive accounts, we never dispute items we believe are accurate and verifiable just to inflate activity, and we never promise a number. We show you the evidence, project the realistic range, and go to work.
Tommy founded Major Credit Repair on a simple conviction: credit is leverage, and everyone deserves a real shot at it. He watched an industry keep people locked in slow, open-ended monthly programs — and built the opposite: one flat fee, an aggressive federal-law protocol, and an actual finish line.
Under his direction, every file is worked by certified mail and attacked field-by-field under the FCRA, FDCPA, and Metro 2 — backed by honest, evidence-based projections, never hype. It's credit repair run like a firm, not a subscription.
No online portals, no e-OSCAR shortcuts. Every dispute is a physical, trackable, legally significant document the bureaus must answer under the FCRA's 30-day clock.
Every letter is built from your actual reports — the specific accounts, the specific reporting fields, the specific violations. Nothing generic leaves this office.
CROA-compliant agreements, honest projections, and full disclosure of your rights — including your right to dispute for free on your own. We win on execution, not exaggeration.
One consultation. Your real reports. An honest read on what's possible.