C.H.E.S.S Strategix
Credit Restoration After Life Hits Hard
Credit restoration is about more than removing one bad item — it's rebuilding a file lenders trust. Whether you're recovering from a bankruptcy, a medical crisis, or identity theft, we restore your file to mortgage-ready shape.
No credit card required. Founder-led service since 2018.
What you get
Post-bankruptcy rebuild
Re-establish primary tradelines and time the inquiries for the fastest recovery curve.
Identity-theft recovery
FTC affidavit, bureau blocks, and creditor disputes handled end-to-end.
Mortgage-ready prep
Get your file into the 680+ range lenders want before you apply.
Spouse / joint files
Restore both files in parallel so the household qualifies together.
Clients who moved their score
"47 points in 60 days. Three collections gone in the first round."
"Got my mortgage approved at 5.9% instead of 7.4%. Saved more than I'll ever pay them."
"Removed a charge-off the bureau swore was verified twice. The 609 + furnisher combo is real."
Frequently asked
- What's the difference between credit repair and credit restoration?
- Credit repair targets specific negative items. Restoration is a longer rebuild — usually after bankruptcy, foreclosure, or identity theft — that includes adding positive tradelines.
- Can credit be restored after bankruptcy?
- Yes. Most clients reach a 680+ score within 18–24 months of discharge using our restoration plan.
- Will you remove a bankruptcy from my report?
- We pursue verification under FCRA §611 and §623. When the courts can't verify, the bureaus must delete.