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During the past eighteen years of exclusive devotion to the credit challenge field, our process has enabled thousands of consumers to fulfill their goals. Initial results are obtained within 35-45 days with most clients completing the process within 65-120 days, and after a period of 60 to 180 days; score increases average 75-125 points. Each and every client has a different set of circumstances and your results may be higher or lower. 

We have secured the deletions of all types of derogatory items reported by Equifax, Experian, and Trans Union including:

Collections         Charge-offs            Late-payments           Repossessions 
Judgments        Foreclosures          Identity theft items         Bankruptcies

Over 3,500 customers have discovered the advantages of working with The Vista Credit Challenge Process over the last 18 years.

Some things that you may not know about that can be affected by your credit score are:

  •    Rental Property Eligibility
  •    Housing & Utilities Deposits

Our Guarantee:


Vista Credit Challenge agrees to perform credit challenges for up to six months on behalf of the customer-client, with Equifax, Experian and Trans Union, pursuant to the Fair Credit Reporting Act (15 U.S.C. 1681), of all unverified information appearing in the customer's credit history. Vista Credit Challenge guarantees and agrees to refund any and all payments made by the customer for non-discounted services should Vista Credit Challenge be unable to secure the deletion of unverified, inaccurate, incomplete or obsolete information appearing in the customer's credit history as reported by the credit bureaus. We can make no guarantee concerning improvement of the customer's credit history or score as per federal and state laws and since new derogatory items not reported in the credit history at the commencement of Vista Credit Challenge’s services may appear subsequent thereto. Vista Credit Challenge does not perform credit challenges with respect to the extension of credit by others and is not a credit repair company as defined by federal law.

    Vista Credit Challenge Process Payment

We DO NOT charge a setup fee, no monthly charge, no recurring or additional fees of any kind.

We charge one low price of $680 . 

That pays for our complete services for at least 6 months to assure you that we will do our best to help you improve your credit score. There are those rare instances where we simply can't help someone, or new items get posted to your credit report after we begin our services.


Next Steps:

Three easy steps to start the Vista Credit Challenge Process.

1. Call:  1- 678-481-6436   to set an appointment for your Initial Consultation with our Qualified Credit Repair Expert. 

2. After your Initial Consultation, select the agreed upon price for services and make your payment.  

3. Fill out the credit repair application forms on the next page.

That's all there is to it!


Get started right now by clicking here →   Click Here to GET STARTED



*Vista Credit Repair .com is an independent promotion for the services of Mike DeVine, CEO; ATI Aerie-Vista LLC, Atlanta, Georgia, 678-481-6436

The website is Copyright 2018 - Scotia Trust Holdings.   Christian Fish Symbol  (John 3:16)


Fee Options

Mike DeVine, CEO  -  ATI Aerie-Vista LLC, Atlanta, Georgia  -  678.481.6436  -


You can improve your credit score.

The Vista Credit Challenge Process

We differ from most other programs in the industry, in that:

  •  We work with you for a Full Six Months, if it should take that long, for One Low Fee.
  •  Each of our challenge letters is Tailor-Made to your specific needs, the specific derogatory item to be challenged, and the specific credit bureau reporting the item to be challenged.

  •  Our team challenges all delay tactics employed by the three major credit reporting agencies with specific reference to the applicable provisions of the Fair Credit Reporting Act.

  •  We provide a Money-back Guarantee should results not be obtained.

For realtors, lenders and dealers: 

  •  We convert prospective customer credit turndowns into sales

  • We help get lower interest rates on loans for your customers.  

We challenge all three credit bureaus: TransUnion, Experian and Equifax.

   Call 1- 678-481-6436         OR       CLICK HERE to Sign Up Online