Your Credit Score Is
Holding You Back.
Let's Change That.
$195/month · No upfront fee
· Cancel anytime
Free first 7 days · See full pricing →
David Forde
Founder & CEO · Full Time Credit Repair
I've Been Exactly Where You Are
"I didn't start this business to sell a service. I started it because I know what it feels like when the credit system destroys everything you've worked for — and I know how to fight back."
In 2009, while working at Star Real Estate in Las Vegas, my identity was stolen. It didn't just hurt my credit — it nearly cost me my home and my business. For three years, I fought back the hard way: suing collectors, spending thousands in legal fees, and learning every corner of the Fair Credit Reporting Act. Nobody helped me. I figured it out myself.
That three-year battle changed my life. I came out the other side knowing the credit system inside and out — not from a textbook, but from living it. I launched Full Time Credit Repair because I didn't want anyone else to go through what I went through alone.
Today, I personally handle every single client file. No outsourcing. No call centers. No automated letters. When you sign up, you work directly with me — and I treat your case like my own, because I know exactly what's at stake.
👤 Personal Attention
Every file handled directly by David — no outsourcing, ever.
⚖️ Real FCRA Expertise
Strategies built from 15+ years and a personal 3-year legal battle.
🔐 Complete Privacy
Your sensitive information is safeguarded with the highest standards.
💬 Direct Access
Reach David via WhatsApp anytime. He checks messages personally, daily.
Numbers That Speak for Themselves
Items We Dispute & Remove
Negative items dragging down your Las Vegas credit score — David knows exactly how to challenge each one under the Fair Credit Reporting Act.
Collections
Old debts sent to collectors — one of the most common score killers. We dispute validation, accuracy, and reporting dates.
Late Payments
Even one 30-day late can drop your score 80+ points. We challenge the reporting accuracy and timing on every one.
Charge-Offs
When a creditor writes off a debt as uncollectable — it shows as a major derogatory. We dispute the validity and re-aging.
Medical Debt
Medical collections are the most disputed items — frequently reported with errors in amounts, dates, and ownership.
Repossessions
Auto repos can stay on your report 7 years. We challenge deficiency balances, notification procedures, and reporting accuracy.
Hard Inquiries
Unauthorized or excessive hard pulls lower your score. We dispute inquiries you didn't authorize or that were improperly submitted.
Identity Theft Accounts
Fraudulent accounts opened in your name. David has personal experience with identity theft — he handles these aggressively.
Bankruptcies
We review bankruptcy filings for reporting errors — accounts listed incorrectly, wrong amounts, or accounts not included in the discharge.
Important: Results vary based on your specific credit situation. Under the FCRA, only inaccurate, unverifiable, or improperly reported items can be legally removed. David reviews your actual report and tells you honestly what's disputable before you spend a dime.
Getting Started Is This Easy
Three steps. 24-hour start. David handles everything from there.
- ✓First & Last Name
- ✓Current Address
- ✓Email Address
- ✓Date of Birth
- ✓Last 4 digits of SSN only
- SmartCredit · My FreeScoreNow
- MyScoreIQ · Privacy Guard
- ✓Instant: David reviews your file
- ✓Same Day: Custom letters written
- ✓24 Hours: Mailed to all 3 bureaus
- ✓Ongoing: Updates & follow-up rounds
Trusted By Hundreds of Clients
Real results from real people on the world's leading freelance platform
Frequently Asked Questions
Everything you need to know before getting started with Las Vegas professional credit repair.
⚡ How long does credit repair take in Las Vegas?
Most clients see measurable improvements within 30–45 days of their first dispute round. David starts working within 24 hours of receiving your information and credit report. Results vary based on your specific situation, but our aggressive FCRA dispute process ensures the fastest possible timeline allowed by law.
⚖️ Is credit repair legal in Nevada?
Absolutely. We use 100% legal strategies protected by the Fair Credit Reporting Act (FCRA). Credit bureaus are required by federal law to verify every item on your report. If they cannot verify an item within 30 days, they must remove it — regardless of whether it is accurate. This is your legal right as a consumer.
🎯 What items can be removed from my credit report?
Common items we successfully dispute include collections, late payments, charge-offs, medical debt, repossessions, bankruptcies, hard inquiries, and identity theft accounts. Every case is different, but David reviews your specific report and builds a strategy tailored to your situation — not a one-size-fits-all template.
🔒 What information do you need from me?
To get started, we only need your first and last name, current address, email address, date of birth, and the last 4 digits of your SSN. We never ask for your full Social Security Number. Your security and privacy are our top priorities — all communications are encrypted and completely confidential.
90-Day Guarantee
If we are not able to bring any positive score increase within 90 days, we will refund 100% of your money. We are so confident in our proven Las Vegas FCRA dispute system that we back every service with this iron-clad guarantee. No fine print. No excuses.
Transform Your Credit
Starting Today
Join thousands of Las Vegas and nationwide clients who've removed negative items, rebuilt their scores, and unlocked mortgages, auto loans, and lower interest rates — with David in their corner.
Credit Repair Services Near You
Free Consultation with David Forde
Founder & CEO · Full Time Credit Repair · Las Vegas, NV
You're All Set, Let's Go!
David will personally confirm your appointment within 1 hour
David Forde
Founder & CEO · Full Time Credit Repair
Las Vegas, NV · Since 2019
Check Your Email
Calendly confirmation sent with call details
Have Your Report Ready
Pull from IdentityIQ or CreditHeroScore for best results
David Reviews Your File
He'll tell you exactly what's disputable — no charge
