We review your credit reports with you, identify inaccurate, outdated, or unverifiable items, and handle the dispute process from start to finish — so you don't have to fight the bureaus alone.
Apply Online Now Get My Free Credit Review No cost. No obligation. Know exactly where you stand.A 15-minute call where we walk through your credit reports together and flag items that may be inaccurate, outdated, or unverifiable.
We explain exactly which items we can challenge, what the process involves, how long it typically takes, and what it costs. In writing, before you commit.
We prepare and manage disputes with the credit bureaus and creditors on your behalf, and keep you updated at every step.
The Fair Credit Reporting Act gives you the right to dispute any inaccurate, outdated, or unverifiable item on your credit report. That right is yours whether or not you hire anyone.
Once you dispute, the credit bureaus generally must reinvestigate within 30 days — and delete anything they can't verify. Deadlines are enforceable.
You're entitled to free credit reports from all three bureaus at annualcreditreport.com — the only federally authorized source. Check them regularly.
Fair question. Legitimate credit repair works within the Fair Credit Reporting Act: we challenge items that are inaccurate, outdated, or unverifiable — nothing else. We never charge before work is performed, we put everything in writing before you commit, and you can cancel within 3 business days of signing at no cost. Companies that promise a "new credit identity" or guaranteed score jumps are the scams.
Typically 3–6 months, depending on what's on your reports and how the bureaus respond. Each dispute round runs on a roughly 30-day legal clock. We can't promise a specific outcome or timeline — anyone who does is lying to you.
It depends on what's actually on your report — that's why the review is free. In 15 minutes you'll know exactly what we'd challenge and what it costs, in writing, before you pay anything. You're never charged before work is performed.
Yes — and we'll tell you that on the call. You can dispute anything yourself, for free, directly with the bureaus. What we add: knowing what's actually disputable, correctly executed letters, certified-mail paper trails, deadline tracking, and persistent escalation when bureaus rubber-stamp "verified." Most people quit after round one; the results usually come after it.
We can't remove accurate, current, verifiable information — nobody lawfully can. We can't promise a specific score increase. We can't build you a "new credit file." If an item is real and provable, our job is telling you that honestly, not disputing it anyway.
We're currently accepting clients in select states and expanding. Submit your application and we'll confirm availability in your state right away.