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Everything Credit LLC

What makes us unique 

David Payne Jr. embarked on this journey with a vision to make credit repair accessible, transparent, and effective for everyone. With an extensive background in finance and a personal understanding of the challenges posed by credit issues, David recognized the profound impact that credit could have on a person’s life. From purchasing a home to securing a loan, he knew that credit was not just a number but a key that could unlock doors to opportunities.

Credit Cards


At Everything Credit LLC, we believe in the power of education, advocacy, and action. Our approach goes beyond merely fixing credit scores. We strive to empower our clients with the knowledge and tools they need to maintain their credit health and make informed financial decisions.

Credit Card
Credit Card
Credit Card


  • Financial Empowerment

  • Credit Transformation

  • Personalized Support

  • Legal Advocacy

  • Transparency Guaranteed

  • Results-Driven Approach

Our Credit Monitoring Partners 

Credit monitoring is crucial to effective credit repair. It is also part of our 180-day money-back guarantee and budget program. Depending on what your needs are and what matters to you will determine which credit monitoring partner is best for you. 
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