Legal, by the book
The Fair Credit Reporting Act gives you the right to challenge inaccurate, misleading and obsolete items. Everything we file asserts those rights, and nothing we do requires a single gray area.
We Built a Gym for the Part of Your Life Nobody Taught You to Train.
Most people are told credit matters long before anyone teaches them how it works. The Credit Gym exists to change that. Build. Repair. Maintain.
Financial fitness is a skill, not a personality trait.
The Credit Gym, operating as Perfect Credit Again, is a nationally recognized credit repair and debt settlement company. Our team has spent over 35 years in the credit industry.
The name is not a gimmick. We genuinely run credit like training: an honest assessment, a program built for your file, measurable reps, and a coach who knows your name. The program is led by company president Joe Schillan and delivered by FICO Pro Certified and NACSO certified specialists.
- White glove service. One specialist owns your file from assessment to approval.
- All three bureaus at once, rather than working them one at a time.
- Affordable rates, no lock-in. There is never a cancellation fee.
- Featured on ABC, NBC, CBS, FOX, CW and Telemundo.
Coaching, not call centers
Our standard: straight answers before sales.
No two clients alike
Every client gets a custom plan of action built from their actual three-bureau report. Cookie cutters are for bakeries.
Progress you can audit
The client portal shows every dispute and every removal. If we are not moving your file, you will see that too, and you can leave without a fee.
Partnership works both ways
We partner with our clients. Your results reflect that partnership: we handle the bureaus, you build the habits that keep the score climbing.
Talk to a person who can actually help
Mon to Fri 8am to 8pm ET and Sat 9am to 3pm ET, a certified specialist answers, reviews and advises for free.