Imperial Ethics Credit Repair is a Glendale, Arizona-based credit repair company with an A+ Better Business Bureau rating and Chamber of Commerce membership. The company positions itself as a comprehensive credit solution provider that goes beyond traditional dispute services by connecting clients with real estate and mortgage professionals.
The company's core service is disputing inaccurate or unverifiable negative credit items including charge-offs, collections, bankruptcies, repossessions, student loans, and reporting errors. They operate on a results-based pricing model where clients only pay for successful removals: $17 per corrected late payment account per bureau and $77 per removal of major negative items per bureau, with a maximum lifetime cap of $470. Clients can choose between a free DIY kit or a professional service. The company also offers a free violation audit and claims to uncover reporting violations in the majority of credit reports reviewed.
What distinguishes Imperial Ethics is their partnership with attorneys to pursue litigation against creditors for Fair Credit Reporting Act violations. According to their marketing, when certain violations are found, partner attorneys pursue court cases at no additional cost to clients, with the stated goal of securing monetary damages. They also position themselves as a gateway to loan officers and realtors to help clients transition from credit repair to actual lending qualification.
While the website presents strong profile contexts, some claims warrant caution. The assertion that "in the vast majority of credit reports we review, we uncover at least 1 form of reporting violation" is difficult to verify and may reflect selection bias or aggressive interpretation of reporting standards. The attorney litigation offer is contingent on finding specific violations and represents a small percentage of cases. Results in credit repair are inherently variable and dependent on individual credit situations and creditor responsiveness to disputes.
In the broader ecosystem of credit repair services, consumers have multiple paths to improving their credit. Professional credit repair companies can dispute inaccurate items with all three bureaus, while credit monitoring services provide ongoing alerts about changes to your reports. For those building credit from scratch, secured credit cards and credit builder loans offer structured approaches. Consumers dealing with overwhelming debt may benefit from debt consolidation loans to simplify payments, or credit counseling through nonprofit agencies for personalized budgeting guidance. Consumers who successfully repair their credit often find better rates on installment loans, secured credit cards, and other financial products.
