At least one negative removed in 45 days, or money back guaranteed.
Collections, late payments, charge-offs, hard inquiries — if it's inaccurate, unverifiable, or outdated, we dispute it methodically until it's gone.
Individual results vary. Past results do not guarantee future outcomes. Screenshots used with explicit client consent.
A real before-and-after — what your report looks like when our process is working.
Illustrative example. Individual results vary based on credit profile and bureau response.
No template letters. No guesswork. A documented method that's removed thousands of items from client reports.
We pull your full reports from Experian, Equifax, and TransUnion — plus the secondary bureaus most firms ignore (Innovis, LexisNexis, Clarity). Every item gets reviewed against current FCRA standards. You get a written report of every dispute target before any work begins.
Each disputable item gets a custom dispute package. Not a template. We pull the specific FCRA, FDCPA, and consumer protection clauses that apply to your case, build the legal argument, and prepare for the bureau's likely response.
We dispute through the bureaus and directly with the data furnishers (the original creditors). Two-front pressure. The bureaus have 30 days to investigate under the FCRA — and if they can't verify the item, it must come off.
First removals come back. Score moves. We document everything. You see exactly which items came off and which ones came back "verified" — so you know what's working and what needs round two.
"Verified" doesn't mean accurate — it means they answered. When items come back, we escalate with method-of-verification challenges, demand actual documentation, and dispute again from new angles. Most of our biggest wins happen here.
Removing negatives is half the battle. We coach you on utilization timing, payment cadence, and which products actually report — so once your file is clean, it stays clean and keeps climbing on its own.
You can absolutely dispute items yourself for free. Here's what the YouTube tutorials don't tell you.
Bureaus run an automated system called e-OSCAR that auto-rejects template-style disputes within seconds. It can detect generic letters at scale. If yours looks like one of the millions floating around online, it gets flagged and dismissed before a human ever reads it.
Dispute the wrong item at the wrong time and you can actually re-age a negative — meaning the seven-year clock starts over. We've seen DIYers extend their own negatives by years because they disputed in the wrong sequence.
"Verified" doesn't mean accurate — it means a bureau employee clicked a button. You're entitled to demand the actual method of verification documentation, but most consumers don't know that. We do, and we use it.
is what the average person overpays every year with bad credit.
Source: Federal Reserve, FICO, and CFPB consumer cost analyses. Estimated extra costs based on typical sub-prime vs. prime credit profiles.
Anyone who tells you they can clean accurate negatives off your report is lying to you. Here's the line — exactly where it sits.
If a credit repair company guarantees they can remove anything regardless of accuracy, walk away. That's a violation of the Credit Repair Organizations Act (CROA) — and the FTC fines firms millions for it every year.
Generic dispute services run the same playbook everyone else does. Here's what's different about how we work a file.
Most firms only dispute through the three bureaus. We dispute directly with the original creditor at the same time. Two-front pressure forces a faster, more thorough investigation — and removes items the bureau-only path leaves behind.
When a bureau says "verified," we demand the actual documentation they used to verify it. The FCRA gives you this right but almost nobody invokes it. Most furnishers can't produce real documentation — and that means the item comes off.
Most companies wait the full 30 days between dispute rounds. We push at day 15 with new angles to keep momentum and force the bureaus to keep working. The result: faster removals and less time waiting.
Three options. Same playbook. Different speeds depending on how fast you need movement.
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Timelines vary based on your specific credit profile and bureau response. Pricing reflects the service package; outcomes depend on reporting accuracy and dispute investigation results.