Free Consultation

Our process begins with a free consultation session. During the consultation, we review your credit file with you, go over our process, answer your questions, and determine if you are a good fit for our program. Give us a call today and see how we can help you restore your credit.

Personalized Strategy

We understand that each of our customers is unique. Therefore, we build a customized credit improvement strategy that helps them to reach their credit improvement goals as quickly as possible.

Rejoice in Results

We’ve studied and experimented with many different credit repair strategies to determine what gets the best and fastest results in credit score improvement. We can’t guarantee results, but most of our clients start seeing score improvement in 90 days.

Our Promise

Is to help you rebuild and restore your credit by working with you as a team. We will be with you every step of your journey, advising you, coaching you, and fighting for you so that you can graduate from our program and move on with your goal of an improved credit score.

We Set High Expectations

We set high expectations for ourselves as a credit restoration company. We are proud to refer to ourselves as one of the best credit restoration companies in the state of Washington. You can expect only the best service from our team of credit experts. We are dedicated to getting our clients back on track financially. Every step of the credit restoration journey, we will be there to fight for you, coach you, and advise you. We work with credit bureaus and creditors to remove inaccurate, unverifiable items that are reporting on your credit file. Let our services and experience speak for themselves. We are highly dedicated to ensuring you attain the highest credit score possible, and will provide a customized plan to help you.


Before founding Whatcom Credit Restoration, Colleen spent over 25 years running a bookkeeping business for small business and high-net-worth individuals. Colleen is well-known for her client-friendly approach; she is skillful in building creditworthiness from the ground up and helping her clients to improve their credit score.
Whatcom Credit Restoration is a local Bellingham Washington company founded in 2017 to help people in Washington improve their credit score. Our goal is to provide local, ethical, and legal credit repair to the people in our community. Our customers must be treated the way we would like to be treated if we were the customers.
We understand that everybody has financial ups and downs in their life. Every story from our clients is as unique as they are. Our goal is to assist our customers in getting their financial life back on track. While enrolled in our program, our clients are provided with continual education and counseling.


Our Mission

To provide ethical, legal credit repair that helps our clients restore their credit as quickly as possible.

Who Are We?

We are a local Bellingham Washington company that was founded to help people in our community and the state of Washington improve their credit score.

Weekly Education

While enrolled in our program, our clients receive weekly education on credit restoration. We want to provide them with the tools they need to continue raising their credit score.

Our Promise

We are dedicated to helping you improve your score and reaching your credit score improvement goals, whether that’s to be able to qualify for a mortgage loan, a new car, or just a better credit score.

Top Credit Repair Program to Rebuild Your Credit

The credit industry can be a battlefield for those suffering from negative and derogatory credit scores. Many individuals have the disadvantage of higher interest rates, credit denials, and the inability to find experienced help to navigate through the bumps and bruises in this ever-evolving economic world. We are here to help direct you to better credit living by engaging in a number of innovative, financial avenues that will improve your credit score.


Judgements 90%
Collections 80%
Late Payments 95%
Inquiries 88%

Common Question

We don’t only work to remove the negative, inaccurate information from your credit report. We also give you the information you need to increase your credit score.

You can expect to see results in as little as 30 days, with it taking up to 90 days in some cases.

During the first month of our program, our fee for credit restoration is $249. You will not be billed until all the work for the month has been completed. The first months’ services include:

• Set up your files in our system
• Credit audit
• Credit education
• Letters prepared, faxed, and mailed on your behalf
• All letters shared in a client dropbox file with you

Our monthly fee, after the first month, is $199. You will not be billed until the work for the month is complete. The monthly fee includes the following:

• Credit education
• Detailed reports going over credit score improvement to date
• Items that you need to address
• The inaccurate negative accounts that we will be challenging in this month’s letters
• Letters faxed and mailed on your behalf
• All letters shared in a client dropbox file with you

Once you have completed the sign-up process, we begin the process of analyzing your credit report.  We will set up a recorded zoom call where we provide you with a detailed review of your credit file.  During our call, we will go over the inaccurate negative items that we will be attacking in our letters.  Also, we will go over an action plan with you of things you will need to do to improve your credit score.  Once the call is completed, we begin the process of drafting faxing and mailing your letters.  All letters that are sent on your behalf will be available for you to see in a shared dropbox.

Get Started Now! $199.00 a Month