Fix your credit.
Get approved.
take Control.
800.Credit helps you improve your credit, strengthen your financial position, and prepare for major approvals like homes, vehicles, and business financing—all with a customized strategy built around
your goals.
Nationwide Service
Built for Real Strategy
Fix your credit. Get approved. take Control.
800.Credit helps you improve your credit, strengthen your financial position, and prepare for major approvals like homes, vehicles, and business financing all with a customized strategy built around your goals.
Nationwide Service
Built for Real Strategy
The Problem
Banks Don't Approve Effort. They Approve Positioning.
Most people aren't denied because they don’t work hard. They're denied because of what lenders see on their credit profile.
Late payments, collections, and charge-offs
High credit card utilization
Low credit scores and limited options
Mortgage and auto loan denials
Bad advice and no clear plan
At 800.Credit, we help you understand what's holding you back and create a strategy to put you in a stronger position for approval.
The Solution
We Help You Build the Credit Profile Lenders Want to See.
At 800.Credit, we do more than challenge questionable items on your credit report. We help you understand your entire credit profile and create a personalized strategy designed to improve your approval odds.
Comprehensive Credit Analysis
Personalized Credit Improvement Strategy
Done-For-You Credit Dispute Assistance
Budget & Debt Payoff Planning
Mortgage & Auto Approval Preparation
Ongoing Guidance Every Step of the Way
No guesswork. No generic advice. Just a clear plan to help you move toward stronger credit and better financial opportunities.
The Problem
Banks Don't Approve Effort. They Approve Positioning.
Most people aren't denied because they don’t work hard. They're denied because of what lenders see on their credit profile.
Late payments, collections, and charge-offs
High credit card utilization
Low credit scores and limited options
Mortgage and auto loan denials
Bad advice and no clear plan
At 800.Credit, we help you understand what's holding you back and create a strategy to put you in a stronger position for approval.
The Solution
We Help You Build the Credit Profile Lenders Want to See.
At 800.Credit, we do more than challenge questionable items on your credit report. We help you understand your entire credit profile and create a personalized strategy designed to improve your approval odds.
Comprehensive Credit Analysis
Personalized Credit Improvement Strategy
Done-For-You Credit Dispute Assistance
Budget & Debt Payoff Planning
Mortgage & Auto Approval Preparation
Ongoing Guidance Every Step of the Way
No guesswork. No generic advice. Just a clear plan to help you move toward stronger credit and better financial opportunities.
Results Focused
Better Positioning Changes Outcomes
The goal is not just to watch your score move.
The goal is to become more approvable.
550
Starting point with confusion and no plan
720+
Stronger profile and better approval potential
Results Focused
Better Positioning Changes Outcomes
The goal is not just to watch your score move.
The goal is to become more approvable.
550
Starting point with confusion and no plan
720+
Stronger profile and better approval potential
HOW IT WORKS
A Simple Process With Real Direction
We take the confusion out of credit improvement and give you a clear path toward better approvals.
Get Your Free Credit Analysis
Start by submitting your information so we can review your credit profile and identify what's holding you back.
We Build Your Custom Strategy
We create a personalized plan focused on score improvement, debt optimization, and preparing you for future mortgage and auto loan approvals.
We Challenge Negative Accounts
Our team works to dispute negative items on your credit report, including collections, charge-offs, late payments, inquiries, and even repossessions.
We Guide the Process
You'll receive ongoing support, progress updates, and expert guidance so you always know the next best step to take.
Move Toward Approval
As your credit profile improves, you'll be in a stronger position for lower rates, better financing options, and the approvals you deserve.
Take the first step toward a stronger financial future today.
HOW IT WORKS
A Simple Process With Real Direction
We take the confusion out of credit improvement and give you a clear path toward better approvals.
Get Your Free Credit Analysis
Start by submitting your information so we can review your credit profile and identify what's holding you back.
We Build Your Custom Strategy
We create a personalized plan focused on score improvement, debt optimization, and preparing you for future mortgage and auto loan approvals.
We Challenge Negative Accounts
Our team works to dispute negative items on your credit report, including collections, charge-offs, late payments, inquiries, and even repossessions.
We Guide the Process
You'll receive ongoing support, progress updates, and expert guidance so you always know the next best step to take.
Move Toward Approval
As your credit profile improves, you'll be in a stronger position for lower rates, better financing options, and the approvals you deserve.
Take the first step toward a stronger financial future today.
Meet Cody
Hi, I'm Cody.
I’ve helped hundreds of people improve their credit, qualify for better financing, and position themselves for life’s biggest purchases.
At 800.Credit, we believe every financial goal starts with a clear plan. That’s why we help you understand your credit profile, identify what’s holding you back, and create a strategy for moving forward.
This isn’t typical credit repair. This is financial positioning.
We don’t just focus on what’s on your credit report—we help position
your entire credit profile for stronger approvals, better lending opportunities, and greater financial confidence.
Whether you’re preparing to buy a home, finance a vehicle, grow a business, or simply take control of your financial future, my team and
I are here to help.
If you’re ready to become approval-ready, we’re ready to help.
— Cody @ 800.Credit
Cody
Meet Cody
Hi, I'm Cody.
I’ve helped hundreds of people improve their credit, qualify for better financing, and position themselves for life’s biggest purchases.
At 800.Credit, we believe every financial goal starts with a clear plan. That’s why we help you understand your credit profile, identify what’s holding you back, and create a strategy for moving forward.
This isn’t typical credit repair. This is financial positioning.
We don’t just focus on what’s on your credit report—we help position your entire credit profile for stronger approvals, better lending opportunities, and greater financial confidence.
Whether you’re preparing to buy a home, finance a vehicle, grow a business, or simply take control of your financial future, my team and I are here to help.
If you’re ready to become approval-ready, we’re ready to help.
— Cody @ 800.Credit
Cody
Programs
Choose the Plan That Fits Your Goals
Whether you want the full strategy or a simpler monthly support option, 800.Credit gives you a path forward.
Most Popular
Financial Positioning Blueprint™
Build a Lender-Ready Financial Profile
Credit repair is only one piece of the puzzle. This program is designed for people who want a complete strategy to prepare for major financial goals.
What's Included
Comprehensive Financial Position Review
Mortgage Ready Plan
Auto Approval Strategy
Business Funding Preparation
Debt Elimination Strategy
Credit Utilization Optimization
Personal Financial Positioning Plan
Approval Readiness Assessment
One-on-One Strategy Sessions
Customized Action Plan
Best For People Who Want To:
Buy a home
Purchase a vehicle
Qualify for business funding
Eliminate debt faster
Improve approval odds
Build long-term financial strength
Credit Revolution™
Credit Repair & Score Improvement
Designed for people who want to remove obstacles, improve their credit profile, and challenge negative reporting.
What's Included
Comprehensive Credit Analysis
Personalized Credit Improvement Plan
Done-For-You Credit Dispute Assistance
Collections, Charge-Offs, Late Payments & Repossession Challenges
Credit Bureau Communication Support
Monthly Progress Reviews
Up to 6 Months of Guided Support
Priority Processing
Best For People Who Want To:
Improve their credit score
Remove negative accounts
Rebuild after financial setbacks
Prepare for future financing opportunities
Create a stronger credit profile
This Isn’t Guesswork
800.Credit is designed around strategy, not hype. We focus on what improves your profile and helps you move toward better lending outcomes.
Built for Approvals
A credit score alone does not
tell the full story. We help you address utilization, account health, and lender perception.
Clear Next Steps
You should not be left guessing what to do. We help you understand what matters first and what can wait.
Programs
Choose the Plan That Fits Your Goals
Whether you want the full strategy or a simpler monthly support option, 800.Credit gives you a path forward.
Most Popular
Financial Positioning Blueprint™
Build a Lender-Ready Financial Profile
Credit repair is only one piece of the puzzle. This program is designed for people who want a complete strategy to prepare for major financial goals.
What's Included
Comprehensive Financial Position Review
Mortgage Ready Plan
Auto Approval Strategy
Business Funding Preparation
Debt Elimination Strategy
Credit Utilization Optimization
Personal Financial Positioning Plan
Approval Readiness Assessment
One-on-One Strategy Sessions
Customized Action Plan
Best For People Who Want To:
Buy a home
Purchase a vehicle
Qualify for business funding
Eliminate debt faster
Improve approval odds
Build long-term financial strength
Credit Revolution™
Credit Repair & Score Improvement
Designed for people who want to remove obstacles, improve their credit profile, and challenge negative reporting.
What's Included
Comprehensive Credit Analysis
Personalized Credit Improvement Plan
Done-For-You Credit Dispute Assistance
Collections, Charge-Offs, Late Payments & Repossession Challenges
Credit Bureau Communication Support
Monthly Progress Reviews
Up to 6 Months of Guided Support
Priority Processing
Best For People Who Want To:
Improve their credit score
Remove negative accounts
Rebuild after financial setbacks
Prepare for future financing opportunities
Create a stronger credit profile
This Isn’t Guesswork
800.Credit is designed around strategy, not hype. We focus on what improves your profile and helps you move toward better lending outcomes.
Built for Approvals
A credit score alone does not
tell the full story. We help you address utilization, account health, and lender perception.
Clear Next Steps
You should not be left guessing what
to do. We help you understand what matters first and what can wait.
Real people. Real results
Cody will work harder than anyone and with more integrity than you can imagine. If you want someone to teach you what real commitment to results looks like, this is the way to go.
I began working with Cody at 800.credit 30 days ago, and I am already seeing real results. My score jumped 68 points in one day…The communication from his team is clear, timely, and full of integrity. I have confidence in their process. I cannot imagine using anyone else. They are the best in the business.
Cody and the 800 Credit Team have been amazing to work with. They are professional, thorough, and genuinely care about their clients’ success. What I love most is that this isn’t trendy or sketchy credit repair. Their approach is legitimate, educational, and focused on building strong financial habits that create lasting results. I’m already seeing progress, and I appreciate how intentional the team is every step of the way. If you’re looking for a credit team that operates with integrity and gets results, I highly recommend them.
I don’t even know where to start. Cody has gone above and beyond to help me get my credit situation fixed. I 100% recommend him and his company to anyone looking to fix their credit! Thank you Cody Graves!
Started with them a month ago and the points jump is awesome! removed things from my credit that i was sure i was just stuck with. 10/10 definitely recommend.
I cannot recommend Cody Graves with 800.Credit enough! From start to finish, Cody provided exceptional customer service, professionalism, and expertise. He took the time to explain the process, answered all of my questions, and made everything easy to understand. What impressed me most was his dedication to helping me achieve my goals and his genuine commitment to finding the best solutions for my situation. Communication was always prompt, and I felt supported every step of the way. If you’re looking for someone who is knowledgeable, trustworthy, and truly cares about his clients, Cody Graves with 800.Credit is the person to call. Thank you, Cody, for going above and beyond and making this such a positive experience! Highly recommend!
Extremely fast and very knowledgeable on the process and can’t wait to see what’s in store for the future now thanks to 800.credit
See positive changes on your credit profile within a short time! i highly recommend!
Finally taking the plunge to fix my credit. This process has been smooth, easy and already so rewarding. Working with this team has been a breeze I’ve been informed and educated every step of the way. Don’t think about it any longer, contact this amazing team.
Fast results, extremely professional team. I recommend 800.CREDIT
Frequently Asked Questions
Questions People Usually Ask
Get clear answers before you start. Our process is built to stay transparent, practical, and
easy to understand at every stage.
How does 800.Credit work?
We start with a free credit analysis to understand your current situation. From there, we identify what's holding your credit profile back and create a personalized strategy designed to help you move toward better approvals and stronger financial opportunities.
What is the difference between Credit Revolution and Financial Blueprint?
Credit Revolution focuses on improving your credit profile by challenging negative accounts such as collections, charge-offs, late payments, inquiries, and repossessions.
Financial Blueprint is designed for people preparing for major financial goals. It includes Mortgage Ready Planning, Auto Approval Strategy, Business Funding Preparation, and Debt Payoff Planning.
Simply put:
Credit Revolution helps fix credit problems.
Financial Blueprint helps prepare you for approvals and financial success.
Not sure which program is right for you? We'll help you decide during your Free Credit Analysis.
What types of negative accounts can you help with?
We work with many types of negative accounts, including collections, charge-offs, late payments, inquiries, repossessions, and other derogatory items that may be affecting your credit profile.
Every credit report is different, which is why we begin with a detailed analysis before creating your action plan.
How quickly will I see results?
Many clients begin seeing movement on their credit reports within the first 30 to 45 days. However, every credit profile is unique, and results depend on factors such as reporting accuracy, creditor responses, and your overall financial situation.
Our goal is not just quick results—it's lasting improvement.
Can you guarantee results?
No ethical credit company can guarantee specific results.
What we can guarantee is that we will thoroughly review your credit profile, challenge questionable reporting when appropriate, and provide a clear strategy designed to help you improve your financial position.
Will my credit score increase?
Many clients experience score improvements during the process, but no company can legally guarantee a specific score increase.
Our focus is on improving the overall health of your credit profile, which often leads to stronger scores and better approval opportunities.
Can you help me qualify for a home or vehicle loan?
Yes.
Whether you're preparing to buy a home or finance a vehicle, we help you strengthen your credit profile and understand what lenders are looking for. Our strategies are designed to improve your approval odds and help position you for better financing opportunities.
Can you help me with debt?
Yes.
As part of our Financial Blueprint program, we provide budgeting guidance and debt payoff strategies designed to help you reduce balances, improve utilization, and strengthen your overall financial position.
Do I need perfect credit to qualify for your program?
Not at all.
Many of our clients come to us after being denied, frustrated, or unsure where to start. Whether your score is in the 400s, 500s, or 600s, we'll review your situation and determine the best path forward.
What makes 800.Credit different?
Most companies focus only on disputing negative items.
We take a more complete approach by helping you improve your credit profile, challenge inaccurate reporting, reduce obstacles, and prepare for major goals like homeownership, vehicle financing, and business funding.
We don't just focus on your credit report—we help you build a stronger financial future.
What is the first step?
Start with a Free Credit Analysis.
We'll review your credit profile, identify opportunities for improvement, and show you exactly what we would recommend before you make any decisions.
There is no obligation and no pressure.
Apply for Your Free Credit Analysis Today
Discover what's holding you back and start building a stronger financial future with 800.Credit.
Real people. Real results
Cody will work harder than anyone and with more integrity than you can imagine. If you want someone to teach you what real commitment to results looks like, this is the way to go.
I began working with Cody at 800.credit 30 days ago, and I am already seeing real results. My score jumped 68 points in one day…The communication from his team is clear, timely, and full of integrity. I have confidence in their process. I cannot imagine using anyone else. They are the best in the business.
Cody and the 800 Credit Team have been amazing to work with. They are professional, thorough, and genuinely care about their clients’ success. What I love most is that this isn’t trendy or sketchy credit repair. Their approach is legitimate, educational, and focused on building strong financial habits that create lasting results. I’m already seeing progress, and I appreciate how intentional the team is every step of the way. If you’re looking for a credit team that operates with integrity and gets results, I highly recommend them.
I don’t even know where to start. Cody has gone above and beyond to help me get my credit situation fixed. I 100% recommend him and his company to anyone looking to fix their credit! Thank you Cody Graves!
Started with them a month ago and the points jump is awesome! removed things from my credit that i was sure i was just stuck with. 10/10 definitely recommend.
I cannot recommend Cody Graves with 800.Credit enough! From start to finish, Cody provided exceptional customer service, professionalism, and expertise. He took the time to explain the process, answered all of my questions, and made everything easy to understand. What impressed me most was his dedication to helping me achieve my goals and his genuine commitment to finding the best solutions for my situation. Communication was always prompt, and I felt supported every step of the way. If you’re looking for someone who is knowledgeable, trustworthy, and truly cares about his clients, Cody Graves with 800.Credit is the person to call. Thank you, Cody, for going above and beyond and making this such a positive experience! Highly recommend!
Extremely fast and very knowledgeable on the process and can’t wait to see what’s in store for the future now thanks to 800.credit
See positive changes on your credit profile within a short time! i highly recommend!
Finally taking the plunge to fix my credit. This process has been smooth, easy and already so rewarding. Working with this team has been a breeze I’ve been informed and educated every step of the way. Don’t think about it any longer, contact this amazing team.
Fast results, extremely professional team. I recommend 800.CREDIT
Frequently Asked Questions
Questions People Usually Ask
Get clear answers before you start. Our process is built to stay transparent, practical, and easy to understand at every stage.
How does 800.Credit work?
We start with a free credit analysis to understand your current situation. From there, we identify what's holding your credit profile back and create a personalized strategy designed to help you move toward better approvals and stronger financial opportunities.
What is the difference between Credit Revolution and Financial Blueprint?
Credit Revolution focuses on improving your credit profile by challenging negative accounts such as collections, charge-offs, late payments, inquiries, and repossessions.
Financial Blueprint is designed for people preparing for major financial goals. It includes Mortgage Ready Planning, Auto Approval Strategy, Business Funding Preparation, and Debt Payoff Planning.
Simply put:
Credit Revolution helps fix credit problems.
Financial Blueprint helps prepare you for approvals and financial success.
Not sure which program is right for you? We'll help you decide during your Free Credit Analysis.
What types of negative accounts can you help with?
We work with many types of negative accounts, including collections, charge-offs, late payments, inquiries, repossessions, and other derogatory items that may be affecting your credit profile.
Every credit report is different, which is why we begin with a detailed analysis before creating your action plan.
How quickly will I see results?
Many clients begin seeing movement on their credit reports within the first 30 to 45 days. However, every credit profile is unique, and results depend on factors such as reporting accuracy, creditor responses, and your overall financial situation.
Our goal is not just quick results—it's lasting improvement.
Can you guarantee results?
No ethical credit company can guarantee specific results.
What we can guarantee is that we will thoroughly review your credit profile, challenge questionable reporting when appropriate, and provide a clear strategy designed to help you improve your financial position.
Will my credit score increase?
Many clients experience score improvements during the process, but no company can legally guarantee a specific score increase.
Our focus is on improving the overall health of your credit profile, which often leads to stronger scores and better approval opportunities.
Can you help me qualify for a home or vehicle loan?
Yes.
Whether you're preparing to buy a home or finance a vehicle, we help you strengthen your credit profile and understand what lenders are looking for. Our strategies are designed to improve your approval odds and help position you for better financing opportunities.
Can you help me with debt?
Yes.
As part of our Financial Blueprint program, we provide budgeting guidance and debt payoff strategies designed to help you reduce balances, improve utilization, and strengthen your overall financial position.
Do I need perfect credit to qualify for your program?
Not at all.
Many of our clients come to us after being denied, frustrated, or unsure where to start. Whether your score is in the 400s, 500s, or 600s, we'll review your situation and determine the best path forward.
What makes 800.Credit different?
Most companies focus only on disputing negative items.
We take a more complete approach by helping you improve your credit profile, challenge inaccurate reporting, reduce obstacles, and prepare for major goals like homeownership, vehicle financing, and business funding.
We don't just focus on your credit report—we help you build a stronger financial future.
What is the first step?
Start with a Free Credit Analysis.
We'll review your credit profile, identify opportunities for improvement, and show you exactly what we would recommend before you make any decisions.
There is no obligation and no pressure.
Apply for Your Free Credit Analysis Today
Discover what's holding you back and start building a stronger financial future with 800.Credit.
© 2026 800 Credit Systems LLC. All Rights Reserved.
Disclaimer: Results vary by individual. No specific score increases, account removals, loan approvals, or other outcomes are guaranteed.
800.Credit provides credit improvement assistance, education, and financial positioning services.
Design by Infyum.
© 2026 800 Credit Systems LLC. All Rights Reserved.
Disclaimer: Results vary by individual. No specific score increases, account removals, loan approvals, or other outcomes are guaranteed. 800.Credit provides credit improvement assistance, education, and financial positioning services.