Financially Fit & Lit is a top-rated credit repair company established in 2020. Financially Fit & Lit uses a trusted and effective process to assist clients in addressing inaccurate or unjust negative items—such as late payments or collections—that are unfairly damaging their credit.
Credit repair is a comprehensive process that involves reviewing your credit report, identifying errors, and disputing inaccuracies. Here’s a breakdown of the key steps we take to help improve your credit:
We gather your credit reports and develop a tailored plan focused on addressing the questionable negative items impacting your credit score.
For negative items that require further attention, we maintain the process and ensure your credit rights are accurately and fairly represented.
Through our online portal and app, we provide 24/7 access to credit score analyses and personalized credit counseling solutions to help you achieve your credit goals.
Get started at no cost for 5-15 days and dive into your “Case Setup,” where we’ll work together to match any questionable credit report discrepancies with the right legal interventions and challenges.
We take on tough questions with predatory lenders, unscrupulous credit card issuers, and aggressive debt collectors, legally challenging any unfairly reported information or details that cannot be substantiated.
Our team is here to assist you every step of the way. Our credit consultants are available via web chat to answer any questions you have about your credit, the status of your case, or any updates to your account.
When you partner with Financially Fit & Lit, our billing is simple and transparent. Just like an electric utility bill, we invoice at the end of each service period for the work completed.
Then $139.95 a month after
Directing Attorney
John Heath was born and raised in Salt Lake City, Utah. He received his BA from the University of Utah and his Juris Doctor from Ohio Northern University. While attending law school, John spent a semester abroad in Cairo, Egypt, (through Seton Hall University) where he studied Islamic Law.
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Frequently Asked Questions
Do credit repair services work for everyone?
Credit repair services aren’t for everyone. Credit repair can help you remove inaccurate, unfair, or unsubstantiated negative items from your credit reports. However, if the negative items on your reports are accurate, they cannot be removed. Credit repair is most effective if you have, or suspect you have, errors in your credit profile.
If you’re unsure whether credit repair is the right choice for you, we recommend completing our free online credit assessment.
Do credit repair services work for everyone?
It’s difficult to predict exactly how long it will take to repair your credit, as each credit report is unique. However, last year alone, Financially Fit & Lit clients saw over 4 million removals from their credit reports, with most staying with us for an average of six months. Learn more about the credit repair timeline and how we count removals.
Additionally, Financially Fit & Lit offers various service levels, with each upgrade providing stronger and more comprehensive credit repair solutions.
How long do negative items stay on your credit report?
Absolutely not – in fact, we encourage you to regularly check your credit score and credit reports. Checking your own credit is considered a “soft inquiry” and does not affect your credit score.
A “hard inquiry” occurs when you apply for a new line of credit, such as a credit card, and a lender checks your credit. Multiple hard inquiries in a short period can negatively impact your credit score.
For more information on the difference between soft and hard inquiries, check out this article.
How long do negative items stay on your credit report?
Most negative items will naturally fall off your credit report after seven years, though some may take up to 10 years. However, the credit grantor or bureau can choose to remove a negative item at any time, especially if you provide a valid reason. If you’d prefer not to wait that long, credit repair is an excellent alternative to help speed up the process.