Three bureaus, at the same time
Example figures, not a client result or a promise of one.
Four steps, and you can watch every one
No black box. From the day you enroll, your portal shows what we've sent, what came back, and what's next.
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1
We talk it through
Tell us what is on your report and we will call you back. You hear what can be challenged, what it costs and how long it takes, before you commit to anything.
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2
We audit the report
We read all three bureau files line by line and build a list of every item that is inaccurate, incomplete or cannot be verified.
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3
Disputes go out
Challenges are filed with the bureaus and, where it matters, direct with the furnisher. Bureaus have 30 days to respond.
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4
We work the responses
Removed items are logged. Anything that comes back verified without real proof gets escalated in the next round.
What typically comes off a report
Not every negative mark is disputable. These are the categories where errors turn up most often, and where a challenge usually has something real to work with.
We work every account type on your report: credit cards, student loans, medical bills, personal and auto loans, charge-offs and collections. The kind of debt is not what decides whether something comes off. Whether it is being reported accurately is.
Credit card debt
Wrong balances, reaged dates, or late marks that never happened
Medical bills
Paid, under $500, or under a year old and still on the report
Collections
Unverifiable, misreported, or past the reporting window
Late payments
Reported in error or against a paid-current account
Charge-offs
Duplicated, reaged, or inaccurately balanced
Hard inquiries
Made without your authorization
Public records
Bankruptcies and judgments reported incorrectly
Identity theft
Accounts opened in your name that were never yours
Repossessions
Missing required notices or wrong figures
Mixed files
Someone else's history merged into yours
We challenge what is inaccurate, incomplete, or unverifiable. Accurate, current and verifiable information stays on your report. That's the law, and anyone who tells you otherwise is selling you something else.
One fee. The whole program.
Monthly credit repair billing rewards companies for taking their time. We'd rather be paid once and finish.
Complete program
One flat fee
No monthly fees. No per-deletion charges. You hear the number on the call, before you sign anything.
- ✓ Three-bureau audit and dispute strategy
- ✓ Unlimited rounds until the case closes
- ✓ Furnisher and collector challenges included
- ✓ Secure document portal and case timeline
- ✓ 3 business days to cancel without penalty
Nothing is charged on this site. You'll review and sign the full service agreement before any payment is taken. Read it first.
Questions people actually ask
How long does the whole thing take?
Bureaus have 30 days to respond to a dispute, so the first results land about a month after we file. Most cases run three to six months end to end, depending on how many items are in play and how hard the furnishers push back.
What do I need to give you?
A recent copy of your credit report, a government-issued photo ID, proof of your current address, and proof of your Social Security number. The bureaus require all four before they will act on a dispute filed on your behalf. You upload them in the portal.
Can you remove something that is accurate?
No, and we would not try. Accurate, current and verifiable information stays on your report. Our work is on the items that are wrong, out of date, duplicated, or that the furnisher cannot actually prove.
Is my personal information safe?
Your documents are stored privately and are only ever accessible to you and the case team working your file. They are never served publicly, never sold, and never shared with anyone outside the dispute process.
What if I change my mind?
You have 3 business days from signing to cancel for a full refund, no questions asked. The cancellation form is in your portal and in your signed agreement.
Do I have to do anything after I enroll?
Upload your documents, then forward us anything the bureaus mail you and that is genuinely it. We handle the letters, the follow-ups and the escalations.
Will you keep charging me monthly?
No. The fee is one time. There is no subscription, no per-item charge and no renewal.
Find out what's actually on your report
Tell us what's on your report and we'll call you back to go through it. Free, and we'll tell you if we can't help.
Schedule a callAlready a client? Sign in to your portal.