We challenge inaccurate, unverifiable, and outdated negative items on your credit report using legally grounded dispute methods backed by federal consumer protection law — the same approach used by top attorneys, at a fraction of the cost.
According to CFPB data, 76% of credit report disputes result in some modification to the consumer's report.
Medical, utility, credit card, and collections accounts — disputed under FCRA §623 if unverifiable.
30, 60, 90-day late payments reported in error or without proper notice under FCRA.
Accounts charged off by creditors but still reporting as negative — challenged under FCRA accuracy requirements.
Unauthorized or outdated credit inquiries that shouldn't be on your report.
Bankruptcies that should have fallen off your report after 7-10 years per FCRA time limits.
Wrong names, addresses, accounts that aren't yours — mixed files and identity mistakes.
Most credit repair companies use generic template letters. We don't. Every case is handled with a strategic approach grounded in federal consumer protection law — and we escalate when the bureaus don't play fair.
Bureau investigation timeline under FCRA §611
CFPB complaint response requirement
Starting monthly price with 90-day guarantee
Your free credit report assessment takes 2 minutes. No credit card required. We'll tell you exactly what's on your reports and what we can remove.
Start Your Free Assessment