About Us

How We Are Different?

We are a local Bellingham Washington Company that was founded in 2017 to help people in Washington improve their credit score. While enrolled in our program, our clients receive continual education and counseling on how to raise their credit score as fast as possible. We will also fight for our customers by using the credit laws and challenging inaccurate negative information.

What We Do?

Sometimes people just need a helping hand to get them back on their feet. We are here to help walk our customers through the giant maze of credit score improvement. Our job is to take the burden off the customer and do all we can to boost their credit score.


We are Credit Score Improvement Specialist who educate, challenge, and help rebuild our customer’s credit. We have also received extensive training on credit restoration. Colleen Jeffrey is a Board-Certified Credit Consultant, a Certified Credit Score Repair Specialists, has a Student Loan Counseling Certificate, an FCRA (Fair Credit Reporting Act) Certification,

Creditor and Collector Disputes

Our letters our completely different they are long, and they are not your standard cookie-cutter template letters that are just a few paragraphs. At Whatcom Credit Restoration, we never challenge the validity of an account, unless our customer is a victim of identity theft. Our letters challenge the accuracy of the reporting. We fax and mail all our letters to the credit bureaus. Challenge letters are also sent directly to the creditors and collection agencies to get inaccurate information removed from your credit report.

No-Risk Refund Policy

We believe in complete satisfaction, and that is why we have a no-risk refund policy. If for some reason, you are not happy with the prior months service, we will refund your money back.

No-Hassle Cancellation Policy

Want to cancel your service? No problem. There is no yearly or monthly contract with our credit repair programs. All services are month to month, and you can cancel at any time. Just call or email us and we will be happy to cancel your service.

Free Consultation

We offer a complimentary consultation to anyone interested in our services. During the consultation, we will review your file with you to determine if you’re a good fit for our program.


As you know, customer support is very important to any customer. We pride ourselves with the top of the line customer service. If you need anything, you can reach us by phone or by email. If you are contacting us by email, please allow 24 hours for a response.



Happy Clients


Case Completed


Positive Feedback




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

credit score improvement specialist

Simple To Start

We set high expectations for ourselves as a credit repair company. You can expect only the best service from our team of credit experts. In the economic industry, we are dedicated to helping our clients get back on financial track. We are here to assist you on the journey.

Schedule Appointment

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Contact Information
credit restoration company

Free Credit Consultation Appointment

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