We help you review your reports for inaccurate information that’s causing your score to be affected.
Your score can influence what credit is available to you and how much interest you’ll pay.


Highest Probability of Denials Highest Interest Rates


Highest Probability of Denials Highest Interest Rates


Acceptable Credit
Possible Approvals


High Probability of Approvals Better Interest Rates


We specialize in helping those that are on the journey of purchasing a home.

We don’t keep you in the credit repair program for month and months. We work aggressively on correcting your credit issues.

Clean up your past

We work with the credit bureaus and your creditors to challenge the negative report items that affect your credit score.

Track your present

Easy access to your account 24/7 for live status updates on improvements on your credit reports and scores.​

Change your future

We’ll maximize your score so you can achieve your goals and learn how to maintain your awesome credit long after our work is done.​


We work with some the most knowledgeable realtors in the industry that will negotiate the best deals for you!

Mortgage Brokers

We seek some of the best mortgage professionals that have a proven track record in closing loans when others say no.

Insurance Experts

This is an area that gets overlooked so often in the home buying process. We seek the best insurance agents for your home buying experience.​


We help you review your reports for inaccurate information that’s causing your score to be affected.
Your score can influence what credit is available to you and how much interest you’ll pay.

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45-207 points

estimated credit score increase

10, 100
credit issues removed for our customers
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Frequently Askd Questions

Absolutely! The Credit Repair Organizations Act allows credit repair companies to assist clients in removing inaccurate, outdated and unverifiable items on their credit reports. The Fair Credit Reporting Act gives you the right to challenge those derogatory items that lower your credit scores. This is where we come in. The experts at Budget Credit 360 know all about the credit system and will ensure everything is being reported correctly and removed timely.

Once the three credit bureaus (Equifax, Experian and Transunion) receive your dispute letters, they have 30 days to respond. You will see results between 35-40 days.

Of course not. With our Pay for Delete pricing model, after you pay the initial audit fee due at signup, you don’t pay another dime unless we are successful at deleting items from your credit file. Your deletion fees are due 40 days after you sign up. Don’t worry, we will send you a reminder email on day 39 to let you know we will be calling the next day and discussing your round results. If we do not delete items, you do not pay. Simple! The only other fees that you will incur during your time with us is $24.99 per month for credit monitoring. Credit monitoring allows us to see what is happening on your file and gives a monthly updated credit report.

Honestly it all depends. This is why we offer a FREE consultation: to develop a game plan based on your personal situation. Clients typically stay in our program 3-6 months. We will repair your credit as quickly as the law allows so that you can meet your goals. This is not to say that all derogatory items will be deleted in 3-6 months. Due to CROA, we cannot guarantee deletions or score increases. This is just the time frame clients typically stay in our program. We will use every aggressive dispute tactic at our disposal to make sure you receive the best results.

The honest answer: we don’t know. Credit scores are based on 5 factors including payment history, amounts owed, length of credit, new credit and types of credit. Most importantly, YOU play a huge role in your success during the program. For example, if you get a new late payment, max out your credit cards, get a new collection, and/or do not obtain a credit card per our recommendations, your scores can drop. Keep in mind, you are hiring Budget Credit 360 to remove inaccurate, outdated and unverifiable items on your credit reports…the credit score change is the byproduct.

When you go to the dentist with a toothache, the first thing they do is take an X-ray. Dentist do this to make sure they properly diagnose your issue. It works the same way with credit repair. Your credit monitoring account is us taking an “X-ray”, allowing Budget Credit 360 to reference the correct laws and use the best dispute tactics. We will refresh your credit monitoring account once per month to get updates and call you with your progress for each round.

A common misconception is once a negative item is on your report, it will remain for 7 years. What this means is for 7 years, your credit scores will suffer and you will be required to pay thousands more in interest than someone with good credit. Let Budget Credit 360 expertise in credit laws work for you! The FCRA requires all accounts on your credit file to be accurate, dated and verifiable. If these requirements are not met, the creditor must delete the account. If the account does meet their requirements, the following time frames apply:

2 Years-Inquiries

7 Years-Collections/Tax Liens/Closed Accounts/Foreclosures/Child Support/Civil Suits/Civil Judgments/Late Pays/Student Loans

10 Years-Bankruptcy (Chapter 7, 11, 12 & 13)

Forever-Unpaid tax liens/Unpaid federal student loans

Credit affects every aspect of your life and without a healthy credit file & score, you will face many hardships.
Employment:  Many employers check credit before offering you a job.  Employers use your credit report to determine how responsible you are.  With the job market being so competitive, the last thing you want is to appear not up for the task.
Mortgage:  Banks rely on your credit scores to determine if they will lend to you.  Simply put:  the lower your credit score the higher risk you are.  This will keep you in the cycle of hearing “DENIED”.  If you are approved, you will pay thousands of dollars more for the same loan.
Insurance Premiums:  Insurance companies determine how much to charge you based on your credit scores.  Once again, lower scores equates to higher risks, and means trouble for insurance companies.
Bottom line:  the less money you are spending due to bad credit, the more you will have for savings, retirements, vacations, investing, and much more….

Free Consult, Tips, or Questions

Let's get started

Here’s how our service works

Schedule Consultation

We'll give you a free consultation and credit analysis.

In this free 15 minute phone consultation with one of our Board Certified Credit Consultants, we will discuss your credit goals and how we can help. There is no obligation to sign up.

Pull Reports

While we use the law to challenge negative items on your report

Just like a dentist needs an XRAY, we need to see your credit reports to help improve it. Monitoring site MUST be obtained prior to your consultation. Make note of your user name and password.

Change Your Future

Log in to see real time progress every step of the way

We will use our AGGRESSIVE credit repair tactics to remove negative items from your credit reports and maximize your scores so you can live the life that you deserve.

We just love our clients

  • 5 star review  Rose Allure is our gal! Professional throughout the entire experience! I recommend her to all my friends!

    Corey Bolton Avatar Corey Bolton

    5 star review  This company is the real deal. If you hire them to fix your credit, you are in good hands!! Keep up the great work.

    Jose Rodriguez Avatar Jose Rodriguez

    5 star review  Budget Credit is the place to go for your credit restoration needs. Very knowledgeable and a team of great ppl to work with!

    Nosha Freely Spoken Avatar Nosha Freely Spoken

    5 star review  This was a great experience. My credit increased by 75 points in 6 months. Now i am able to use credit with no more disappointments. Rose was very knowledgeable and professional. I believe this service is priceless.

    thanks for all your help, Mike

    Mike Hammer Avatar Mike Hammer

  • 5 star review  Excellent service! The real deal! Highly recommended!

    Sommer Precise-Life Patterson Avatar Sommer Precise-Life Patterson

    5 star review  Where do I start? This company has to definitely be one of the most trustworthy I have ever seen. With all of the scams, illegal CPNs, and other things going on, it is a breath of fresh air to find a company that has morals and will give their all to help. I want to thank them for that.

    Derrick A Harper Sr. Avatar Derrick A Harper Sr.

    5 star review  I would recommend this company. The staff is awesome!

    Sevella Turner Avatar Sevella Turner

    5 star review  Awesome group of people.... Very professional & knowledgeable

    Brandon O Scott Avatar Brandon O Scott

  • 5 star review  Very knowledgeable, passionate and trust worthy company! I would highly suggest using their service:)

    TeeTee Williams Avatar TeeTee Williams

    5 star review  Within three months of working with Rose, I opened a secured credit card, consolidated my student loans, and followed her advice to improve my credit score by 100 points! Not only is Rose knowledgable and professional, she is passionate, patient, and willing to go the extra mile. I would never hesitate to refer anyone who needs help with their credit to her, if I could give her 10 stars I would!

    ImStill Toni Avatar ImStill Toni

    5 star review  She is very easy to work with & knowledgeable in credit. I've followed her steps into getting my credit in order and in less than a month I've seen results. She gives comprehensive tips on obtaining and maintaining credit.

    Eriq Stephen Smith Avatar Eriq Stephen Smith

    5 star review  Awesome company . They did what they promised . Highly Recommended

    Tarik Williams Avatar Tarik Williams

  • 5 star review  Excellent company. Well run. Cares deeply about customers. They get it done. The real deal! ✅

    Howard Cutler Avatar Howard Cutler

    5 star review  My husband and I have just started with Rose and she is very knowledgeable about credit and financesRose is very optimistic about everything which makes me feel better about my situation. Thanks for everything Rose

    Shacana Jones-Andre Avatar Shacana Jones-Andre

    5 star review  What a phenomenal service! You know you're stuff! Thank you so much!

    Veronica Adames Avatar Veronica Adames

    5 star review  Amazing Company . Very professional and knowledgeable.

    Melika Honore Avatar Melika Honore

Rosa S.

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My credit was hideous until I found the CREDIT DOCTOR!!! I’m absolutely amazed at the results I received. The customer service is excellent, and she actually cares!!! Anyone in need of credit repair I strongly recommend the CREDIT DOCTOR!!
Alonzo F.

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The credit doctor is amazing I am truly satisfied with the work she did to improve my credit. I will recommend the doctor to anyone who want to improve their credit score. The doctor rocks!
Jasmine C.

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Jackie is knowledgeable, professional & passionate. I emailed her in the evening & he began helping me that same evening!
Rosa S.

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Rose Luis is amazing!!! Working with her is worth every cent. Within a month of signing up with her, my credit score jumped 20 points and we developed a plan to raise it another 100 points. I am very excited about what the future holds and that’s in part because I have her expertise on my team! Thank you for helping me live a better quality of life.

Contact Info

Hours of Operation
Monday – Friday 10AM-6PM | Saturday & Sunday – Closed

Get in Touch

Budget Credit 360 would love to hear from you. Drop us a line and we will get back with you within 24 hours. We offer you many ways to get in touch and stay in touch.


340 Royal Poinciana Way Suite 317-195 Palm Beach, FL 33480



Let's Get Social

  1. Have you been denied for a new home, car, business loan, credit card or employment?
  2. Have a credit card but the statement looks like Spanish? Due dates vs statement dates…oh my!
  3. Ready to see an immediate boost in your credit scores WITHOUT hiring a credit repair company?
  4. Ready to cut up your credit cards due to credit card debt?
This book is for you! Did you know you could have credit scores in the low 600s even if you pay all your bills on time? That’s right!! The reason is because payment history is ONLY 35% of your scores..Credit Card Secrets will show you the credit industry secrets to make sure you maximize the other 65%. We’ll even give you access to our credit card partners that will approve you GUARANTEED with no credit check or impact to your credit scores!

The author, RoseAlure Louis, is a Board Certified Credit Consultant and leader in the credit repair field