Repair. Optimize. Leverage.

Unlock the House, Car & Business of Your Dreams.

Without paying off all your debt — or even having an 800 credit score. The Backdoor Credit Reset works because it's not about your score. It's about your report.

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4.7Trustpilot 4.9Google

2024 Award WinnerBest in Credit EducationDebt.com FinTok Awards

2,700+

Clients Approved

$70M+

Credit Unlocked

120+

Avg Score Jump

Free Training

Learn the Secrets Behind the Backdoor Credit Reset

The exact system we use to reset credit reports and help people unlock their dream approvals.

Free Training

Learn the Secrets Behind the Backdoor Credit Reset

The exact system we use to reset credit reports and help people unlock their dream approvals.

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Pull your real FICO score from all three bureaus and start the same way thousands of our clients do.

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The BDCR System

Your Entire Credit System Under One Roof.

One method — six outcomes. The Backdoor Credit Reset isn't just a credit fix. It's the foundation for everything you want next.

Purchased Their First Home

Simona

Unlocked Elite Credit Cards

Our Clients

Refinanced Their Car

Carey

Funded Their Business

Les

Vacationed at 5-Star Resorts for Pennies

Our Clients

Flew Business Class Internationally

Seth

“521 to 718. Approved on the home we'd been chasing for two years. I had no idea this was even possible.”

Simona

“679 to 820. Every premium card I applied for came back instantly approved. The travel rewards alone paid the program back twice over.”

Jonathan

“620 to 729 in under a year. Refinanced my mortgage at a rate I didn't think I'd ever qualify for again.”

Michael

“Bankruptcy off my report and over $100K in business credit products. Still can't believe it actually worked.”

Robert

“568 to 667. First car approval in my own name. The whole team kept me calm and made the process feel doable.”

Mileydis

“545 to 713. We sold the rental and bought our forever home. The Credit Brothers were the missing piece.”

Steven

See More Success Stories

The Numbers

Built On Results, Not Promises.

2,700+

Clients approved for credit cards, cars, and homes

$70M+

In credit unlocked through the Backdoor Credit Reset

120+

Average credit score jump for BDCR program clients

Live From Our Social

Watch Us. Follow Us. Learn With Us.

We publish credit education every week. Catch the latest on YouTube and our daily reels on Instagram.

The Credit Brothers

64K subscribers·1.7K videos·35M views

25:23

Amex Platinum vs Chase Reserve vs Venture X: I Picked One

4d ago

6:43

$19,000 Bill for an Apartment He Never Saw | r/Identity Theft

5d ago

Josh & Chris Steil - The Credit Brothers

@thecreditbrothers

2.4K posts·336K followers·804 following

REEL

Scammers Are Building Fake Websites To Trick Your AI Agents . . . If you found this video helpful - Make sure you follow @thecreditbrothers

REEL

DM “Card” To Learn What Credit Cards You Should Apply For Would You Pay $5,000 For The Black AMEX? . . . If you found this video helpful - Make sure you follow @thecreditbrothers

REEL

DM “Theft” So We Can Review Your Situation Did Your Parents Open Credit Cards In Your Name & Went To Collections? . . . If you found this video helpful - Make sure you follow @thecreditbrothers

REEL

The Truth About The New Chase Sapphire Preferred 2026 Update . . . If you found this video helpful - Make sure you follow @thecreditbrothers

Two Brothers.
One Mission.

Josh and Chris Steil grew up watching their father run a business without access to credit. They saw firsthand how that one missing piece quietly capped everything he tried to build.

They built their own credit profiles from day one — and then, in 2020, started The Credit Brothers to make sure no one else gets stuck where their dad was. 100M+ content views and thousands of client wins later, the mission is the same.

“My mission is to help people become the CEO of their life — using credit to pursue their dreams.”
— Josh Steil, Co-Founder

Our Full Story →

Real Reviews From Real Clients

Don't Just Take Our Word For It.

Verified reviews from clients we've helped fix, optimize, and leverage their credit.

Trustpilot

TrustScore 4.7|37 reviews

Showing our latest reviews

The Credit Brothers 10/10

Verified

I highly recommend The Credit Brothers to anyone needing a credit fix or funding. Chris and Josh did not disappoint. They helped take my score from around a 550 back to a 750, and before the reset was even fully completed, I was already approved for 2 business credit cards.

Jibre Hordges, 1 day ago

Excellent on Google

4.9 out of 5 based on 119 reviews

Clients frequently experience credit score increases of over 100 points.
The team is praised for their excellent communication and support throughout the reset process.
Many customers report achieving financial goals, such as obtaining loans and credit cards, after working with The Credit Brothers.

AI-Generated Summary

Based on 119 Google reviews

Credit Brothers were great to work with! When we had our initial call, we went over goals and expectations and they kept me posted on all the updates along the way. Whenever I had a question or needed some guidance, they were prompt in responding. Read more

Jessica Pagan

9 days ago

The Credit Brothers Credit Club has been a huge help in my journey to better understand and manage credit. Being part of the community has taught me the ins and outs of various credit scenarios, while also helping me build my profile. Read more

Jason Rejano

23 days ago

Great place to learn! The team genuinely cares about your progress and walks you through every step. Read more

Antonio

1 month ago

Totally recommend them! I have saved more than $50,000 just in 2023-24 for travel using their strategies. The amount of value packed into one program is unbelievable. Read more

Shashank Neralla

1 month ago

I found The Credit Brothers on Instagram in 2022 when my credit had tanked from a bad divorce. They walked me through the whole reset process and now my score is over 750. Read more

Myra Gomez

1 month ago

Truly Life-Changing People. Truly Life-Changing Results. Truly Life-Changing Program. Worth every dollar and then some. My credit is unrecognizable from where I started. Read more

Daniel Venus

1 month ago

I found The Credit Brothers on Instagram and it's honestly been one of the best decisions I've made. The team is responsive, professional, and they actually deliver on what they promise. Read more

Juan Rubio

1 month ago

I had a wrongful account on my credit report for over a year due to an issue with a past apartment in Downtown LA. The Credit Brothers and their legal team successfully settled and removed it within a few months. Read more

Kiari Kirk

2 months ago

View all 119 Google reviews

The Credit Reset Quiz

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Unlock the House, Car & Business of Your Dreams.

Learn the Secrets Behind the Backdoor Credit Reset

Learn the Secrets Behind the Backdoor Credit Reset

Your Entire Credit System Under One Roof.

Built On Results, Not Promises.

Watch Us. Follow Us. Learn With Us.

Amex Platinum vs Chase Reserve vs Venture X: I Picked One

$19,000 Bill for an Apartment He Never Saw | r/Identity Theft

Two Brothers.One Mission.

Don't Just Take Our Word For It.

The Credit Brothers 10/10

Find out if the Backdoor Credit Reset is right for you — in 60 seconds.

Get paid to send people our way.

Two Brothers.
One Mission.