Transforming Scores to Change Lives

Improving your scores with our exceptional program makes cleaning up your credit report simple. If you're ready to get the best out of life, take action today!

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The Elite Impact

We provide education and financial consultations to help clients improve the major areas that impact creditworthiness the most. With a better credit score, you have the power! You have a greater potential to be offered the best interest rates and financing perks.

An increase of just 20 points in your scores could equate to a savings of tens of thousands of dollars for home, car, and credit card payments over time.

We Guarantee Results or Your Money Back

We have a proven track record of raising credit scores and arming our clients with better purchasing power. We offer a money back guarantee if clients see no improvement after 180 days.

What We Do!

We Clean up your past

We work with the credit bureaus and your creditors to challenge the negative report items that affect your credit score.

We Track your present

Easy access to your account 24/7 for live status updates on improvements on your credit reports and scores.​

We Change your future

We’ll maximize your score so you can achieve your goals and learn how to maintain your awesome credit long after our work is done.​

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Student Loan Relief Services

Are you struggling to keep up with your monthly payments on your Federal Student Loans? Are you having your wages garnished or your tax refund taken from you when you file every year?


Student Loan Consolidation

Consolidate your federal education loans into one easy to manage loan and even lower your payments

Student Loan Rehab

Do you have student loans in default? We can stop collections, wage garnishments, and tax offsets with our Rehab Program.

Payment Reduction

Do you have student loans in default? We can stop collections, wage garnishments, and tax offsets with our Rehab Program.

Student Loan Forgiveness

Depending on your occupation and income you may qualify for student loan forgiveness of some or all of your student loans.

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How It Works

We guarantee results or your money back!

We have a proven track record of helping clients to raise credit scores quickly and effectively to give you better purchasing power.



We'll provide you with a free consultation and credit analysis to determine which program suits your needs and goals. 



While we use the law to challenge negative items on your report.


Experience Results

The Elite Team will guide you through the process and keep you informed every step of the way or you can track your progress in real time through the Elite Client Portal.

Why Work With Elite Credit Services:

*We are a company with integrity.

*We offer a 100% Money Back Guarantee.

*We will be intimately involved with your credit repair experience and are there for you every step of the way.

*We provide credit education and credit building services.

*Unlimited disputes with the three major credit reporting agencies

*No Contract - cancel at anytime.

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What Clients Are Saying

  • "Getting notifications about my credit score used to take me through various emotional feelings; however, since joining the ELITE Team, I look forward to them!"
    Hazel M.
  • "I recommend Elite Credit Services because she took the time to work with me. MyKeida cares about my progress because she's experienced first hand what I was going through. She also sat me down and taught me important information about credit and how it works so I never go back to where I was again."
    Joshana R.
  • "Working with Elite Credit Services has been an amazing experience that has given me the discipline, comfort and confidence I needed to improve my credit. MyKeida helped me recognize my credit goals and she has been working hard to help me reach them. I highly recommend her services and guarantee you won't regret the decision.  
    Kat B.

Elite Program Options

The Elite Home Team Plan 
*South Carolina Residents ONLY * 


$99 Enrollment Fee

*Mandatory Credit Monitoring
with Identity IQ $21.99/month Required

24/7 Access to Client Portal

Credit Audit and Review

Monthly Case Updates via Client Portal

Credit Education and
Credit Building Resources

Certified Mail with Escalated Disputes

Compliance Authority Disputes

Response to New Collection Letters

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The Elite Standard Plan
(All Non- SC Residents) 


$149 Enrollment Fee

*Mandatory Credit Monitoring
with Identity IQ $21.99/month Required

24/7 Access to Client Portal

Credit Audit and Review

Monthly Case Updates via Client Portal

Credit Education and
Credit Building Resources

Certified Mail with Escalated Disputes

Compliance Authority Disputes

Response to New Collection Letters

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The Elite Homebuyers Program 


$179 Enrollment Fee

*Mandatory Credit Monitoring with Identity IQ $21.99/month Required

All Benefits of The Elite Standard Plan

Credit Analysis and Plan of Action tailored to your specific needs

Access to the Private Elite Homebuyers Program Facebook Group

Access to Monthly Homebuying 101 Sessions (Via Facebook and Email)

Access to Credit 101 Sessions designed to build your credit knowledge and buying POWER

Access to Expert Realtors Brokers, and other Homebuying Professionals
(Via Facebook and Email) 

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Money Back Guarantee if NO DELETIONS or IMPROVEMENTS in 180 Days

Change your life by getting your free consultation and credit analysis

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Frequently Asked Questions (FAQ's)

  • Is Credit Training legal?

    Yes, credit training is legal and our credit education and document processing services will help you to use the law in your favor. That law is called "The Fair Credit Reporting Act." The FCRA gives you the right to dispute any item on your credit report. If that item cannot be verified within a reasonable time (usually 30 days) it must be removed. Studies have shown that 79% of all credit reports contain errors. This is nearly 8 out of 10 reports. Therefore most credit reports improve immediately. For items that disputed that are not errors, a creditor or furnisher is often unable to find the records or signed documents within the allotted time and the item gets removed. Sometimes the furnisher will say it has been verified by not offer proof. It is our job to prepare documents that challenge this and we are very skilled at that.

  • Is Credit Training and Education worth my time and money?

    Contrary to what credit bureaus want you to believe, credit training does work in most circumstances. But it only works if you are getting the best advice from an experienced professional. Anyone with a credit score below 720 can benefit long-term from the advice and information provided through credit education. However, there are limiting factors that will prevent us from helping you. Two main factors are: (1) your financial situation and/or (2) the time frame in which you need to reach your results. It is possible to remove anything from a credit report, even accurate items. For instance, if the creditor makes mistakes or does not adhere to the specific time frame, the negative item may be removed.

  • What can I expect when I enroll with Elite Credit Services LLC?

    We will guide you through the process from start to finish and prepare all your documents for you. We have a superb knowledge of credit scoring and experience working with creditors and credit bureaus. It may be difficult for an individual to communicate with creditors and bureaus without an adept understanding of their techniques and regulations in place for credit reporting. We have spent a great deal of time learning the laws that will help you to remove negative information on your report, which enables us to offer you a flawless, money back guarantee system.

  • What is your 100% Guarantee?

    You are entitled to a 100% refund on all monthly payments if:
    - We do not remove more than 25% of all the negatives worked on.
    - You have had six months from the time you retain our services.
    - You have at least four negatives on the credit report at the time of sign-up.
    - You have not used a credit-consulting agency nor attempted to repair your credit two years previous to signing up for our services.
    - You agree to send updated reports from the three credit bureaus to us within 5 days of receipt.
    (Clients should receive updated credit reports every 15-45 days. It is the client's responsibility to make us aware if updated reports have not been received).

  • How long will it take to raise my score?

    Through our services, 93% of our clients see their credit score increase 10 points or more in the first 35 days. Over the full 180-day term of the contract, the average credit score increase is 80 points. See full statistical breakdown.

  • Why are your results different?

    There are two sides to the credit score battle. Sometimes, the creditors and the credit bureaus have done absolutely everything right and we have no case against them. On average, clients are able to remove 70% of the negative items from a credit report.

  • Will the removed items come back?

    ​Items cannot come back as long as the item is current or paid at the time of removal or if the collection is older than three years. This holds true except in very rare circumstances.

  • What items can you help me to remove and improve?

    With our assistance and document processing, our clients have had great success with bankruptcies, foreclosures, collections, charge-offs, repossessions, medical bills, credit card debt, inquiries, late payments, old addresses, judgments, tax liens and student loans.

Meet MyKeida:

My name is MyKeida Middleton, owner of Elite Credit Services LLC. I am a board certified credit consultant specializing in credit repair and education services based in South Carolina.  After years of struggling with my own credit, I sought the assistance of a repair company to help improve my creditworthiness. After experiencing very little help with even fewer results, I decided to take matters into my own hands for the sake of my growing family. With my newfound knowledge and the vision to help others regain their credit power, Elite Credit Services, LLC was formed. With Elite, you're not just a client, you're FAMILY! I fight on your behalf to correct the errors on your report that are hindering you from accomplishing your financial goals. If you are ready to transform your life, Call TODAY so I can help you build a better TOMORROW!

Elite Credit Services LLC
​130 Business Park
Santee, SC 29142


Office: (803) 854 - 7083 or Toll Free: (888) 701 - 6212

If you are interested in scheduling a FREE consultation, Click Here and an Elite Representative will provide more information regarding our services.