Credit repair is the process ofdisputing negative items on your credit reports that are incorrectly reported. The process of credit repair involves communicating directly with the credit bureaus, creditors, and collection agencies. The FCRA states that your credit report must be 100% accurate, verifiable, and complete. Through our advanced dispute tactics and strategies, we find the errors and inaccuracies to help get the items that are holding back your credit scores removed from your credit report.

We begin our investigation request by asking for specific documentation and records for each account in order to find violations that can justify why the item must be removed from your credit report. We hold these data furnishers accountable to the Fair Credit Reporting Act, Fair Credit Billing Act, and Fair Debt Collection Practices Act.
We also stay up-to-date with all of the rules and regulations in the credit repair industry in order to create effective disputes that will generate responses and deletions.
While you may repair your credit on your own, navigating the process might be challenging. Our credit repair company is ready to do all the work, so that you can take all the credit!

Because every credit report is different, there is no way to know how long it will take to repair your credit ahead of time. Our clients usually see results within the first 45 days of joining our program, and stay with us for about six to eight months. Clients who keep an active credit monitoring subscription, submit their responses in a timely manner, and apply for our recommended credit-building products typically see faster progress.

Unlike other credit repair companies, we dispute all items at once on a month-to-month basis. Our dispute strategy consists of disputing directly with the credit bureaus, creditors and collection agencies, which we have found to be very effective. You will receive frequent reminders to check your mail for responses, and at the end of each investigation period, we will update you with the results of the investigation, next steps on file, and provide you with additional recommendations to improve your scores. Our Processing Department is also available by phone, email, and portal support, Monday through Friday from 9am to 5pm EST, if you ever have any questions about credit or your file.

Pricing is based on the number of negative items that can be disputed, with plans starting as low as $129.99/month. During our complimentary 20-minute consultation, we'll go over all 3 of your credit reports and scores, and provide you with a detailed credit analysis and total number of negative items.

Yes! As part of our committed to providing the best service and results in the credit repair industry, if there are no changes to the items we dispute within 180 days of service.

You will have access to our online Client Portal, which is secured with 256-bit encryption, where you'll be able to track and monitor the progress of your credit scores, as well as see which items are in dispute, repaired, or deleted. Your Client Portal also gives you access to our list of recommended credit-building products, all designed to boost your scores and strengthen your credit file. You will also be able to securely upload your bureau, creditor, and collection agency responses directly in your portal.

Yes, we have helped hundreds of thousands of people repair their credit and have removed millions of negative items from our clients' credit reports. The Fair Credit Reporting Act states that items on your credit report must be accurate, verifiable, and complete, if not, they must be corrected or removed. We are experts at finding these errors and violations to help remove bankruptcies, repossessions, collections, charge-offs, medical bills, late payments, inquiries,and more.