Rebuild Your Credit.
Build Better Habits.
Stay in Control.
AltoCredit is a structured credit and financial guidance program designed to help you improve your credit profile and build the habits needed to move forward with confidence.
We don't just work on your credit—we guide you through the process. From understanding what's impacting your profile to building a clear plan forward, our team supports you every step of the way.
No commitment. No credit card required for your free review.
Where are you right now?
Answer 3 honest questions and we'll tell you exactly where to start.
What is your current credit score range?
Ready to get started?
Take 2 minutes. Fill out your intake form.
Your advisor will review your answers before your call — so you skip straight to the details that matter.
I'm Ready to Sign UpNo contract · No charge until work begins · Cancel anytime
A family business built on helping families
AltoCredit started as a husband and wife operation in New York. We watched good people get shut out of homes, cars, and jobs because of credit scores that didn't tell the full story. So we built the service we wished existed.
We're not a call center. Every client gets a real person, a real strategy, and real follow-through. We treat people the way we'd want to be treated — because most of our clients are just like us.
"We are open until 8 PM EST because our clients have jobs, families, and lives — just like us."
FCRA Compliant
All disputes filed under federal consumer protection law
Attorney Network
Access to FCRA & FDCPA attorneys for serious violations
45-Day Cycles
Aligned with bureau update windows for maximum effectiveness
1-on-1 Advising
Dedicated advisor assigned to every client file
In the Community
How AltoCredit Works
A structured, repeatable system — not a one-time blast of letters.
Free Credit Review
We pull your reports, identify every negative item, and explain exactly what we see — no jargon, no pressure.
Personalized Strategy
Every client gets a custom dispute strategy and action plan built around their specific credit profile and goals.
45-Day Work Cycles
We align our dispute process with bureau update windows. Work is ongoing — we don't mail once and wait.
Coaching & Accountability
We guide you on habits, credit-building tools, and financial decisions that protect the progress we make together.
Simple, Transparent Plans
All plans require a one-time $234 initial service fee (covers file setup, full credit analysis, and your first active work cycle — charged only after work begins) and $24.99/month credit monitoring billed separately.
Full Service
All fees included, price never changes. No per-item stress.
- Full dispute handling across all 3 bureaus
- Ongoing account management & strategy reviews
- Personalized action plan & credit coaching
- Priority support & progress updates every cycle
- Month-to-month, no contracts
Flex Plan
Access to the system + wallet for deletions. Pay per item, per bureau.
- Account maintenance & client portal access
- Dispute processing & 45-day review cycle tracking
- 1 strategy call every 45 days (limited access)
- Prepaid wallet required for deletions
- Month-to-month, no contracts
How the Flex Plan Wallet Works
For clients who prefer flexibility, we offer a structured wallet system that allows you to pay per result while maintaining an active account.
Per Item Pricing
Standard Items
Collections, charge-offs, late payments
$75 per item per bureau
Bankruptcy Items
Chapter 7, Chapter 13
$95 per item per bureau
How the Wallet Works
Minimum starting balance: $300
Minimum working balance: $150
Each deletion is deducted from your wallet
Work pauses if balance falls below minimum
Wallet Packages
Larger wallets reduce your cost per deletion.
Starter Wallet
$300
Standard pricing applies. Best for getting started.
Growth Wallet
$500
10% OFF all deletions
10% off all deletions. Better value for ongoing work.
Premium Wallet
$1,000
15% OFF all deletions
15% off all deletions. Best overall savings.
Pricing Example
3 items across 3 bureaus
Standard items at $75 per item per bureau
Standard Pricing
3 × 3 × $75
$675.00
No discount
Growth Wallet
3 × 3 × $67.50
$607.50
Save $67.50
Premium Wallet
3 × 3 × $63.75
$573.75
Save $101.25
The more you fund your wallet, the more you save.
Pay as you go offers flexibility, but most clients choose our full service program for simplicity and overall value.
Let's Point You in the Right Direction
Tell us a little about where you are — we'll help you figure out the best next step.
Or email us directly at support@altocredit.com
What We Promise — and What We Don't
Honest, upfront communication is at the core of how we operate.
What we DO provide
- Personalized dispute strategy per client
- Ongoing work in 45-day bureau-aligned cycles
- Full transparency — you see every letter we send
- Guidance on credit-building and financial habits
- Access to FCRA/FDCPA attorneys when applicable
- Month-to-month agreements, no lock-in contracts
What we do NOT guarantee
- Specific point increases on your credit score
- A guaranteed timeline for results
- Removal of accurate, verifiable negative items
- Outcomes — bureaus make the final decision
AltoCredit operates in compliance with the Credit Repair Organizations Act (CROA). You have the right to dispute information on your credit report directly with the bureaus at no cost.
Talk to an Advisor.
Fill in your info and we'll show you a time to talk.
Common Questions
What our clients say
"AltoCredit completely changed my situation. I came in with collections and a score in the 400s. Within a few months I was approved for an apartment I never thought I'd qualify for. They actually explain what's happening every step of the way — no guessing."
Maria T.
2 months ago
"I was skeptical at first because I'd tried other credit companies before. AltoCredit is different. They're transparent, they follow through, and they treated me like a person. My score went up over 100 points. I can't say enough good things."
James R.
3 months ago
"The team is incredibly knowledgeable and patient. They answered every question I had without making me feel rushed. They're doing real work on my file — I can see it every cycle. Highly recommend to anyone serious about fixing their credit."
Denise M.
4 months ago
Ready to start the process?
Book a free credit review. No commitment. We'll walk you through what we see and what we can do — honestly.
Book Your Free Credit ReviewOpen until 8 PM EST · Hablamos Español