We review what’s reporting across Equifax, Experian, and TransUnion.
We handle all dispute letters and communications with bureaus and creditors.
Direct calls with our team to help you understand and improve your credit habits.
Complete a simple, secure enrollment from your phone or computer. Tell us about your credit goals, provide the requested information, and create your account in just a few easy steps.
Manage the entire credit repair process online and on your own schedule. Upload documents, review important updates, and communicate with our team through your account whenever it is convenient for you. There is no need to sit through long sales calls or rearrange your day for an appointment.
Once your enrollment is complete, our team will review your credit reports, identify potentially inaccurate, incomplete, outdated, or unverifiable items, and create a personalized action plan for your case.
Start My Credit RepairHigher interest rates, denied applications, and limited options. Here’s what inaccurate reporting can affect.
Poor credit can mean paying 9-14% more in APR. That’s thousands extra over a 5-year loan.
Subprime cards charge 26-36% APR vs. 16-20% for good credit. The gap adds up fast.
Landlords check credit. Errors on your report can mean denied applications or higher deposits.
Many insurers use credit-based scores. Inaccurate items can raise your premiums.
Most programs run 1-6 months depending on the number and type of items being disputed. Credit bureaus have 30 days to investigate each dispute under the FCRA. Multiple rounds may be needed.
Yes. The Credit Repair Organizations Act (CROA) regulates credit repair companies, and the Fair Credit Reporting Act (FCRA) gives every consumer the right to dispute inaccurate information on their reports.
Items that are inaccurate, incomplete, unverifiable, or outdated can be disputed. If a bureau or creditor cannot verify the information within 30 days, it must be corrected or removed. We cannot remove accurate, verified information.
Federal law prohibits credit repair companies from guaranteeing specific outcomes. What we can tell you: we use proven dispute methods, handle all communications, and work your case until you decide to stop.
Enroll online and sign the required federal disclosure. No phone calls, no appointments.
We review all three bureau reports and identify inaccurate, unverifiable, or outdated items.
We prepare and send targeted dispute letters to bureaus and creditors.
Monitor results through your portal, plus get personal credit education calls with our team.