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    This stimulating, thought-provoking book urges us to stop sitting idly by while our great country is being shattered, bit by bit. To order the book click the link below.

How Does it Work?

Pearl Polto uses all the credit laws under the Fair Credit Reporting Act (FCRA) to have your account information disputed, updating and/or deleted. From charge-offs to liens, even repossessions, they have disputed virtually every credit problem under the sun and helped thousands improve their credit scores...from doctors, attorneys and movie stars to blue-collar workers.

What Type of Service Can I Expect For My Money?

  • Disputing with all three of the credit bureaus
  • Challenging or negotiating with bill collectors
  • Reviewing your file with their in-house attorneys
  • Re-submissions and follow-ups with the credit bureaus
  • Unlimited follow-up with mail, fax and phone at no extra charge
  • Personalized advice and consulation
  • A guaranteed raise in your current credit sore
  • Guarantee to work on your case - at no extra charge - until your credit is complete

What is the Cost?

Pearl Polto charges a one-time fee of $1,000 for these services.

Click on the "Download Application" link below.

Download Application (pdf format)

What Others Are Saying

Pearl Polto is a hard driving force in her dedication to empowering people with knowledge of their credit rights and providing her expertise to solve their credit problems, For the past 25 years, Pearl has traveled nationally presenting her seminars. As a result, she has earned the title of “Credit Guru.” Clients who have given testimony to their experience with Pearl Polto are among corporate executives, elected officials, doctors, politicians and other notable professionals.

I met Pearl during one of her seminars in Philadelphia, PA and immediately asked for her help. The service she provides was super fast and only required simple tasks of the client. Her advice and directives are sharp, focused , and designed to educate the consumer on their credit rights, eliminating harassing debt collectors, extinguishing credit problems, and avoiding scam operations.

Knowing how essential it is to have good credit today, Pearl is not only a hero but a very important person in my life, Improving your credit may seem hopeless to you until Pearl takes the reins to restore your credit.

My experience as her client has been phenomenally successful as I enjoy my good credit rating today just from my split-second decision to seek her help. Pearl recently authored and published her book, “Are We Doomed” and has a weekly radio show in Philadelphia, PA on WHAT-AM (1340 AM) at 12:00 Noon on Saturdays.

Ruby Seaman-Phillips M.S.