Our proven 4-step process has helped over 50,000 Americans improve their credit scores and achieve their financial goals. Here's exactly how we do it.
We Review Everything
We pull your credit reports from all three major bureaus—Experian, Equifax, and TransUnion—and conduct a comprehensive analysis.
Timeline
Day 1-3
We Find the Problems
Our experts identify items that may be inaccurate, unverifiable, or unfair—all of which can legally be disputed under the Fair Credit Reporting Act.
Timeline
Day 3-7
We Take Action
We create customized dispute letters using proven strategies and send them to credit bureaus and creditors on your behalf.
Timeline
Day 7-45
We Monitor Progress
Monitor your progress in real-time through our dashboard. Watch as negative items are removed and your score improves.
Timeline
Ongoing
Day 1
Sign up and provide authorization
Day 2-3
We pull and analyze your credit reports
Day 4-7
Receive your personalized action plan
Day 7-14
First round of disputes sent
Day 30-45
Bureaus respond; first results arrive
Day 45+
Continue with additional rounds as needed
Federal law that gives you the right to dispute any information on your credit report that is inaccurate, incomplete, or unverifiable. Credit bureaus must investigate disputes within 30 days and remove items they cannot verify.
Protects you from abusive debt collection practices and gives you the right to request debt validation. Collectors must prove they have the right to collect and that the debt is accurate.
Regulates credit repair companies and protects consumers. We comply fully with CROA, including the 3-day cancellation right and prohibition on advance fees before services are performed.
You have the right to accurate credit reporting, to dispute errors, to know what's in your file, and to have outdated information removed. We help you exercise these rights effectively.
Most clients see their first results within 30-45 days. The full process typically takes 3-6 months depending on the complexity of your credit situation. Under the FCRA, credit bureaus must respond to disputes within 30 days.
Absolutely. Credit repair is 100% legal and protected under federal law. The Fair Credit Reporting Act (FCRA) gives you the right to dispute any information on your credit report that is inaccurate, incomplete, or unverifiable.
Any item that is inaccurate, unverifiable, or reported unfairly can potentially be removed. This includes collections, late payments, charge-offs, bankruptcies, judgments, and inquiries. We cannot remove accurate information that is properly reported.
While we cannot guarantee specific results (and you should be wary of anyone who does), we have a strong track record. 95% of our clients see improvement, with an average score increase of 40-100 points over 6 months.
Yes, you have the right to dispute items yourself for free. However, our expertise, proven strategies, and time-saving service typically produce better and faster results. Most DIY attempts result in generic disputes that are easily dismissed.
Get your free credit analysis and personalized action plan today. No obligation, no credit card required.