Remove what's holding your score back.
Our flagship service. A dedicated analyst audits your full credit profile and executes an aggressive, law-based dispute strategy targeting inaccuracies, outdated accounts, and unverifiable negative marks.
What's included in credit repair
Every file gets a dedicated analyst — no call centers, no scripts. We build your dispute strategy around your specific report, your goals, and your timeline.
- Full three-bureau dispute campaigns (Equifax, Experian, TransUnion)
- Direct challenge letters & creditor negotiations
- Goodwill & pay-for-delete where appropriate
- Weekly progress updates with a live dispute timeline
- Money-back guarantee on qualifying files
- Dedicated analyst available by phone and email
Our dispute process
- 01Full auditWe pull all three reports and identify every disputeable item.
- 02Custom strategyYour analyst builds a wave-by-wave dispute plan.
- 03Aggressive filingWe file disputes with all three bureaus simultaneously.
- 04Follow-upWe escalate, re-dispute, and negotiate until items are removed.
Credit repair FAQ
How long does credit repair take?+
Most clients see meaningful progress within 45–90 days. By law, bureaus must respond to disputes within 30 days. and we file in waves so results compound month over month. Your full timeline depends on how many negative items are on your report.
Can you remove charge-offs, collections, or bankruptcies?+
We dispute any inaccurate, outdated, or unverifiable item — including charge-offs and collections. Bankruptcies can be challenged if they're reported past their legal fall-off date or with incorrect details. but we cannot remove accurate, recent bankruptcies.
Will disputing hurt my credit score?+
Filing a dispute does not lower your score. In fact, removing negative items typically raises your score within 30–60 days. as the bureaus update. A temporary dip can happen while an account is under investigation, but it rebounds once resolved.
Is credit repair legal?+
Yes. The Fair Credit Reporting Act (FCRA) gives you the right to dispute any item you believe is inaccurate or unverifiable. We operate fully within FCRA, FDCPA, and CROA guidelines.
Ready to see what we can remove?
Start with a free consultation. We'll pull a soft credit overview and map your path.