TAKE CONTROL OF YOUR CREDIT TODAY
Transform your financial future with expert guidance and powerful tools tailored to help you succeed.

  • We don't just fix credit errors – we help rebuild your financial reputation and put you back in control.
  • Credit Repair That Works: Real Results, Real Change
Get Started Today
TAKE CONTROL OF YOUR CREDIT TODAY
Transform your financial future with expert guidance and powerful tools tailored to help you succeed.

  • We don't just fix credit errors – we help rebuild your financial reputation and put you back in control.
  • Credit Repair That Works: Real Results, Real Change
Get Started Today
TAKE CONTROL OF YOUR CREDIT TODAY
Transform your financial future with expert guidance and powerful tools tailored to help you succeed.

  • We don't just fix credit errors – we help rebuild your financial reputation and put you back in control.
  • Credit Repair That Works: Real Results, Real Change
Get Started Today
TAKE CONTROL OF YOUR CREDIT TODAY
Transform your financial future with expert guidance and powerful tools tailored to help you succeed.

  • We don't just fix credit errors – we help rebuild your financial reputation and put you back in control.
  • Credit Repair That Works: Real Results, Real Change
Get Started Today
TAKE CONTROL OF YOUR CREDIT TODAY
Transform your financial future with expert guidance and powerful tools tailored to help you succeed.

  • We don't just fix credit errors – we help rebuild your financial reputation and put you back in control.
  • Credit Repair That Works: Real Results, Real Change
Get Started Today
TAKE CONTROL OF YOUR CREDIT TODAY
Transform your financial future with expert guidance and powerful tools tailored to help you succeed.

  • We don't just fix credit errors – we help rebuild your financial reputation and put you back in control.
  • Credit Repair That Works: Real Results, Real Change
Get Started Today!
TAKE CONTROL OF YOUR CREDIT TODAY
Transform your financial future with expert guidance and powerful tools tailored to help you succeed.

  • We don't just fix credit errors – we help rebuild your financial reputation and put you back in control.
  • Credit Repair That Works: Real Results, Real Change
Get Started Today!
TAKE CONTROL OF YOUR CREDIT TODAY
Transform your financial future with expert guidance and powerful tools tailored to help you succeed.

  • We don't just fix credit errors – we help rebuild your financial reputation and put you back in control.
  • Credit Repair That Works: Real Results, Real Change
Get Started Today!
TAKE CONTROL OF YOUR CREDIT TODAY
Transform your financial future with expert guidance and powerful tools tailored to help you succeed.

  • We don't just fix credit errors – we help rebuild your financial reputation and put you back in control.
  • Credit Repair That Works: Real Results, Real Change
Get Started Today!
TAKE CONTROL OF YOUR CREDIT TODAY
Transform your financial future with expert guidance and powerful tools tailored to help you succeed.

  • We don't just fix credit errors – we help rebuild your financial reputation and put you back in control.
  • Credit Repair That Works: Real Results, Real Change
Get Started Today!

What You’ll Receive

Why Act Now? Don’t delay—start building the financial future you deserve today.

What Our Customers Are Saying About Us

Our Process

Credit Analysis & Personalized Plan

We begin with a detailed analysis of your credit report to identify errors, inaccuracies, and opportunities for improvement. Based on your unique situation, we create a customized credit improvement strategy designed to help you take actionable steps toward achieving your financial goals.

Attorney Review

As part of our process, we partner with an outside law firm to review your credit reports for potential legal violations. This ensures your rights are protected, and any inaccuracies are addressed in compliance with the law.

Step-by-Step Support

We guide you every step of the way, providing resources, education, and personalized support to help you address credit challenges. While results vary, our mission is to empower you with the tools and knowledge you need to improve your financial future

Achieve Financial Freedom

Our goal is to give you the tools and confidence to take control of your credit and achieve long-term financial success

Helping You Achieve Financial Freedom

At Whatcom Credit Restoration, we are dedicated to providing exceptional service because you deserve nothing less. Proudly serving Washington and Arizona, we’re a trusted choice for credit restoration thanks to our honest, ethical, and effective approach.
Our experienced team is here to guide and support you every step of the way. We offer personalized advice and tailored coaching to meet your unique needs. By working closely with credit bureaus and creditors, we help identify and address inaccurate or unverifiable items on your credit report—all while staying fully compliant with legal guidelines.
While we can’t promise specific results, our mission is to empower you with the tools, resources, and strategies to take control of your credit and reach your financial goals. Together, we’ll create a plan designed to build a stronger, brighter financial future for you.

About Us

At Whatcom Credit Restoration, we don’t just repair credit—we help people reclaim their financial freedom and confidence. Since 2017, we’ve been a trusted partner in Bellingham, Washington, helping individuals and families to overcome financial challenges and achieve their dreams. In 2023, we proudly expanded to Scottsdale, Arizona, bringing our personalized and ethical approach to even more communities.
Led by Colleen Jeffrey, an expert in credit restoration and financial strategy, we specialize in turning setbacks into comebacks. With a track record of helping small businesses, high-net-worth individuals, and everyday families, Colleen’s approachable style and proven expertise set us apart. She understands the stress that comes with financial difficulties, and her mission is to make the process simple, supportive, and empowering.
At Whatcom Credit Restoration, we know that every credit story is unique. That’s why we tailor our strategies to fit your needs, providing personalized guidance, tools, and education to help you regain control of your financial future. Whether you’re working toward homeownership, better loan terms, or simply a fresh start, we’re here to support you every step of the way.
We believe in treating every client with respect, integrity, and the commitment to see you succeed. When you work with us, you’re not just working on your credit —you’re building the foundation for lasting financial security.
Your journey to financial freedom begins today. Let’s take the first step together.
Providing Ethical, Legal Credit Repair

You deserve credit repair services you can trust. That’s why we focus on delivering fully compliant, transparent solutions designed to help you improve your credit as quickly as possible.

Rooted in the Community

We’re more than a business—we’re part of your community. Founded in Bellingham, Washington, and now serving Scottsdale, Arizona, we’re committed to helping individuals and families in both regions build stronger financial futures.

Empowering Through Education

Knowledge is power when it comes to improving your credit. Our program provides weekly education to help you understand your credit, take control, and make confident decisions that lead to long-term success.

Committed to Your Credit Goals

Your goals matter to us. Whether it’s buying a home, securing a loan, or simply raising your credit score, we’re here to guide you toward a stronger financial future with personalized strategies and support.

Our Commitment

Our Commitment to Your Financial Future

At Whatcom Credit Restoration, we are here to help you regain control of your financial future. We understand how overwhelming credit challenges can feel—but you don’t have to face them alone. Our mission is to provide you with the tools, support, and strategies you need to rebuild your credit and open the door to new opportunities.
We take pride in offering ethical, transparent, and fully compliant credit repair services tailored to your unique needs. Whether it’s addressing inaccuracies on your credit report or creating a personalized plan to meet your financial goals, we’re with you every step of the way.
Your success is our priority. Whether you’re working toward buying a home, qualifying for a loan, or simply building a stronger credit profile, our team is here to guide you and give you the confidence to move forward.
Take the first step toward a brighter financial future—let’s rebuild your credit together.

Common Question

At Whatcom Credit Restoration, we believe credit repair is about more than just removing negative items—it’s about helping you take back control of your financial future. That’s why we take a comprehensive approach that includes personalized strategies, ongoing education, and one-on-one support tailored to your unique situation.
We don’t stop there. We also assist with budgeting, debt repayment strategies, and debt settlement guidance, so you can address every part of your financial health with confidence. With years of experience and a real commitment to your success, we’ll be by your side every step of the way, empowering you to reach your financial goals and build a stronger, brighter future.
When you work with us, you’re not just improving your credit—you’re gaining a partner who truly cares about your financial success. Let’s take that first step together.

We know how eager you are to see positive changes in your credit—it’s a big step toward achieving your financial goals. While every credit journey is unique, many of our clients start seeing progress within the first few months.
During this time, we’ll keep you informed with regular updates, clear progress reports, and actionable insights tailored to your situation. Our team works tirelessly on your behalf, using proven strategies to help you move forward with confidence.
Improving your credit is a process, but you don’t have to navigate it alone. We’re here to guide you, support you, and celebrate every milestone along the way. Together, we’ll work toward building a stronger financial future for you.

We believe in providing transparent pricing with clear value at every step. Here’s how it works:


First Month Fee – $250

Your first month’s fee of $250 covers everything you need to get started, including:
• Comprehensive setup of your file in our system
• A customized credit repair plan tailored to your goals
• Access to your secure client portal and shared Dropbox folder for transparency
• An appointment with a law firm to review your credit report for potential violations
• A first-month progress report with updates on scores, deletions, and disputes
• Personalized homework assignments to help you take proactive steps
• Budgeting assistance to manage your finances effectively
• Debt repayment and settlement strategies designed for your situation
• A video walkthrough of your credit report, explaining the steps taken and what’s next


Ongoing Monthly Fee – $159

After the first month, our ongoing monthly fee is $159, billed only after we complete the work for that month. This includes:
• Regular progress updates and guidance on next steps
• Continued challenges to inaccurate negative accounts
• Ongoing support with budgeting, debt repayment, and settlement
• Access to tools and resources to keep improving your credit


We’re committed to providing exceptional value, ongoing education, and personalized support to help you achieve your credit goals and build a brighter financial future.

Your Trusted Partner in Credit Restoration

At Whatcom Credit Restoration, we believe your past shouldn’t dictate your future. You’ve worked hard, and you deserve a credit restoration partner that’s committed to helping you move forward.
What You Can Expect When Working with Us:

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Free Credit Consultation Appointment

This is for consumers who want to know more about our program and what we offer