Entertain, Educate, Protect.


Many Credit Repair companies tell their customers that they can “fix” their credit by disputing their credit history. That only works when there is an error, mistake, or identity theft. When you file a dispute on a credit item you’ve legitimately earned, you have to either work with your creditor or wait the appropriate amount of time for the item to drop off of your credit report. It takes 7 years before late payments are removed automatically by the credit bureaus.  It takes 10 years for collections, judgments, and liens to come off your credit.

The credit system can be complicated and has many moving parts. Your specific financial actions and decisions affect your credit and the score that you’re assigned. You may not like it, but paying credit accounts late, letting accounts go to collection, and charging up your credit cards can all have a negative impact on your score. We can help demystify the credit rating system and help you understand exactly what you need to do and why those specific recommended behaviors will result in score improvements.  

We meet with you to understand your unique personal financial situation. We formulate a custom plan that is tailored to your credit file and finances. We help you improve your credit by teaching you how to work within the credit system to attain your financial goals. It’s much easier to reach a particular goal when you understand how the system works. 

As a backup to our personal meetings and advice, our community provides a forum for discussions, posts, and videos related to a wide range of subjects. 


Monthly Score Tracker

Maintain credit awareness through identity-related alerts and credit file changes 24x7x365. Understand if your credit is impacted until you review your file

Monthly 1B Vantage Credit Score

Use monthly Vantage scores and Experian credit reports to improve your scores. Higher scores mean lower interest rates, which puts money back in your pocket every month.

Valuable Add-Ons

Get a $1 million identity theft insurance policy, fully assisted identity restoration, and lost wallet assistance when you sign-up and pay for our services.

Smart Advice about Credit and Disputes

We don't promise that we can "fix" or "repair" your credit for you by disputing the worst items in your credit history. The truth is that credit scores are earned by specific behaviors and financial decisions you make each month. We can and do dispute items in our customer's credit files when appropriate. That's usually when there's a clear case of an error, mistake, or identity theft. The reason why people get angry and upset with credit repair companies is when they make promises that they just can't keep. different - we help you understand why you've got that particular score and what actions you can take to make changes.

Monthly Meetings with a Credit Specialist

Our software can only tell you so much. Schedule time with your Credit Specialist so that you can understand exactly what's going on with your credit score and get access to your custom action report designed to provide you with advice on what you need to do in order to improve your score. Meet with your Credit Specialist monthly so that you stay on track.

Revise Your Action Plan

As you progress towards your goal, you and your Credit Specialist may need to adjust and tweak your action plan.

Reasons Why You Should Choose Split®

Access Credit Specialists that help you understand your score and what you need to change.

  • Save money by getting better interest rates on credit cards
  • Get better credit card offers with travel and purchase benefits
  • Qualify for car loans, credit cards, and home mortgages
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Metrics And Trends

According to a Javelin Study conducted in March 2020, 1 in every 22 people in the U.S. were victims of Identity Theft in 2018. While the number of victims went down from 2017 to 2018, the average amount of damages per person increased. Fraud monitoring, identity theft insurance, and restoration services help reduce the risk of identity theft and mitigates damage in the event your identity is misused.
Identity Theft Victims
$ 1700
Identity Theft Damages

Top 5 consequences of Identity Theft via the ITRC Aftermath survey of 176 Identity Theft victims in 2016. Survey respondents were from 40 states and the District of Columbia. 


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