Credit Repair Portland, OR – American Score Increase Inc.
Serving Portland | Beaverton | Hillsboro | Gresham | Lake Oswego | Tigard | Oregon City | Happy Valley | Troutdale
📞 Call Now: (503) 446-5115 | Book a Free Credit Review: Schedule Here
The Honest Way to Fix Your Credit in Portland
If you’re like most Portland residents, you’ve probably done everything right—worked hard, paid your bills, maybe hit a rough stretch after a layoff, divorce, or medical bill—and now the system makes you feel like you’ll never catch up.
The truth is, credit doesn’t measure how good of a person you are. It measures data accuracy. And in America, that data is wrong a lot.
At American Score Increase Inc., we built a process that strips away the myths and focuses on facts—federal law, verified data, and solid financial habits.
We don’t sell miracles. We show you what’s fixable, what’s not, and how to start winning again.
Why Portlanders Choose American Score Increase
100 % CROA-compliant (no upfront fees, written agreement, 3-day right to cancel).
Real humans, not bots. You’ll have a person who actually explains what’s happening on each round.
Local insight. We’ve worked with clients from St. Johns to Gresham who’ve faced everything from old apartment debts to surprise medical collections.
Results that last. Because cleaning your credit is only half the battle—building new positive credit is what keeps your score climbing.
“They did exactly what they said they would. I felt informed every step of the way.” — Client Review
How Our 3-Step System Works
1️⃣ Audit & Plan
We start with a complete three-bureau audit (Experian, Equifax, TransUnion).
Our team reviews every account line by line to locate:
Duplicate listings
Wrong dates or balances
Accounts older than seven years
Items lacking verification
Identity or address mismatches (common in Portland moves)
You’ll receive a written audit summary and an outline of next steps—no pressure, no hidden fees.
2️⃣ Targeted Disputes & Creditor Verification
Once you approve the plan, we craft individualized letters—no mass-generated junk.
Each dispute references the exact regulation that applies (FCRA § 611, CROA § 404).
We send them to both the bureaus and the furnisher (creditor or collector) and track every response through your client portal.
Most bureaus respond within 30–45 days.
Our role is to keep the paper trail tight, professional, and compliant so your rights stay protected.
3️⃣ Score Building & Coaching
Repair clears the weeds; coaching plants the grass.
We teach you how to keep utilization between 1 % and 9 %.
Show you when to pay before statement dates (the data bureaus actually see).
Help you add positive accounts correctly—no risky “piggybacking” schemes.
Guide you through a 90-day credit routine customized around your pay schedule and real-life expenses.
Local Credit Challenges in Portland
1. Address Mix-ups
Portland’s street-prefix system (NE / N.E. / Northeast) causes file splits more often than you’d think.
We help merge fragmented credit files and correct mistaken addresses that trigger duplicate accounts.
2. Medical Collections
With major health systems like OHSU, Providence, and Legacy, many consumers get “phantom” collections after insurance payments clear.
We verify that each collection meets the new CFPB rules on medical debt reporting.
3. Rental Screening Errors
If you’ve ever been denied an apartment downtown or in the Pearl, you know screening agencies often use outdated tenant data.
We help you challenge that information directly with the bureaus and the data furnishers.
Transparent Pricing
Credit Audit & Enrollment Fee: $150 (after audit completion)
Monthly Service: $125 per active month
No hidden setup fees. Cancel anytime in writing. Oregon consumers also retain the 3-business-day right to cancel under federal law.
What Kind of Results Should You Expect?
Realistic timelines:
| Time Frame | What Usually Happens |
|---|---|
| 30–45 days | Bureaus respond to first disputes |
| 60–90 days | Noticeable cleanup and utilization gains |
| 120+ days | Most clients see measurable improvement and lender-ready profiles |
No one can legally erase accurate negatives, but you’ll often find 20 – 40 % of what’s hurting your score is inaccurate, obsolete, or incomplete.
That’s where the law works in your favor.
Neighborhoods We Serve
Downtown • Pearl District • Nob Hill • Goose Hollow • Laurelhurst • Alameda • Sellwood • Woodstock • Lents • St. Johns • Hawthorne • Gresham • Beaverton • Hillsboro • Tigard • Lake Oswego • Oregon City • Happy Valley • Troutdale • Milwaukie.
Frequently Asked Questions
Q: Is credit repair legal in Oregon?
A: Yes. Oregon follows the Credit Repair Organizations Act. As long as we provide disclosures, a written contract, and never charge before work is performed, it’s 100 % legal.
Q: Will this hurt my score?
A: No. Disputes are administrative requests for verification. Handled correctly, they don’t harm your credit.
Q: How do I get started?
A: Schedule a Free Credit Review → Click Here or call (503) 446-5115.
Compliance Promise
We follow every line of the CROA and FCRA:
Written disclosure of your rights
Written contract with 3-day cancellation
No charges before work is done
Transparent record keeping (5 – 7 years)
You’ll always know what’s happening and why.
Ready to Start?
There’s no magic button, but there is a plan that works.
If you’re ready to get serious about your credit, start with a conversation.
📞 Call Now: (503) 446-5115
or Book Online: Schedule a Free Credit Review