Our repair process helps by consulting on your credit profile and guiding you through the actions needed to improve your score. We'll identify disputes, suggest corrections, and help you track progress.
When you're ready, click Start to begin the Credit Repair intake.
Please complete each step. Your progress is saved as you go.
Only last 4 digits are stored.
Please register for an account to view your credit report at this link if you haven't already registered: https://www.smartcredit.com/zoicredit
Optenics LLC dba ZoiFlow, through its ZoiCredit department, provides credit education, analysis, and consulting services and is not a credit bureau, creditor, lender, law firm, or government agency. ZoiCredit does not control consumer reporting agencies or creditors and does not guarantee the removal of any item, specific credit score outcomes, or approval for credit or financing.
Any guidance or dispute assistance provided is informational and educational in nature and based on information supplied by the applicant. Final determinations regarding credit reporting, account status, and creditworthiness are made solely by consumer reporting agencies and information furnishers.
To the maximum extent permitted by law, Optenics LLC dba ZoiFlow shall not be liable for bureau decisions, creditor responses, score changes, or outcomes resulting from the use of ZoiCredit services.
By submitting this application, you acknowledge that no fiduciary, legal, or agency relationship is created beyond the scope of credit consulting services.