Your credit,
turned around.
We go through your Equifax, Experian and TransUnion reports line by line and dispute every item that's inaccurate, unverifiable or outdated. When a bureau pushes back, we go again from a different angle. If we don't get at least one negative removed in 45 days, you get your money back.
- 45-day money-back guarantee
- All 3 bureaus
- A specialist on your file
- Free 15-minute review, no obligation
- Pull all 3 reports
- Build the disputes
- Send and track
- Escalate pushback
- Turned around
You pay for bad credit on almost every bill.
It shows up at the car lot, at the leasing office, on your insurance, and every time a utility company asks for a deposit before they'll turn anything on.
Add it up and a low score can cost you tens of thousands of dollars over the next few years. Fixing it costs a small piece of that.
If it's wrong, unverifiable or outdated, we go after it.
The bureaus have to be able to prove every item they report about you. A lot of the time they can't.
What happens after you book.
You don't write a single letter. Here's how it goes from the first call.
A free 15-minute review
A credit specialist walks through what's on your reports with you, tells you what can likely come off, and which plan fits your file and your timeline. No obligation.
We pull all three reports
Equifax, Experian and TransUnion. We read every line and flag anything that's wrong, outdated, duplicated or can't be backed up.
We build and send your disputes
Each item gets its own dispute written for that item, using your rights under the Fair Credit Reporting Act. No form letters. They go to the bureaus and to the companies reporting the items.
We push back until it moves
If something comes back verified, we dispute it again with a different argument. You get updates as items come off, and most clients see movement inside the first 30 days.
You can dispute on your own. Most people who try get nowhere.
There are a hundred free dispute templates online. Here's why they usually come back denied.
The bureaus screen disputes with software
Disputes run through an automated system called e-OSCAR. A letter that looks like a copy-paste template gets marked frivolous in seconds and nothing gets looked at.
Timing and order matter
Dispute the wrong item at the wrong time and you can end up updating the date on a negative, which keeps it on your report longer than if you'd left it alone.
Nobody in the system is on your side
The bureaus sell your data and lenders charge you more when your score is low. We do this every day and we know how to push when they push back.
Straight from their credit reports.
Screenshots our clients sent us after their disputes came back. Tap any one to see it full size.
At least one negative removed in 45 days, or your money back.
If we can't get a single item off your report in the first 45 days, we refund you in full. We set it up that way so the risk of trying us sits with us.
Book your free 15‑minute review.
Pick a time that works. A credit specialist calls you, looks at what's dragging your score down, and gives you a straight answer on what can come off.
- What's on your reports that shouldn't be
- What we'd go after first, and why
- Which plan fits your file and your timeline
- No cost and no obligation to sign up
Questions people ask before they start.
How does credit repair actually work?
Under the Fair Credit Reporting Act you have the right to dispute anything on your report that's inaccurate or can't be verified. When you dispute an item, the bureau has to investigate, usually within 30 days. If the company reporting it can't back it up, it has to come off. We handle all of that for you: finding the items, writing the disputes, sending them, and following up.
Is this legal?
Yes. Disputing inaccurate and unverifiable items is your right under federal law, and hiring a company to do it for you is legal too. We don't create new identities, we don't use tricks, and we don't dispute things that are accurate and yours.
How much does it cost?
It depends on how much is on your reports and how fast you need it fixed. We have a monthly plan and one-time plans for individuals and couples. On your free review we look at your file and tell you which one fits, with the exact price, before you decide anything.
Do I have to sign up on the call?
No. The review is free and there's no obligation. If it makes sense to work together, we'll tell you how. If it doesn't, we'll tell you that too.
How long until I see results?
Most clients see movement in the first 30 days. How long the whole thing takes depends on how many items are on your reports and how the bureaus respond, but most files take a few months.
How does the 45-day guarantee work?
If we don't get at least one negative item removed from your reports within 45 days, you get a full refund.
Will disputing hurt my score?
No. Disputing an item doesn't lower your score, and getting an inaccurate negative removed can only help it.
Can I just do it myself?
You can, and some people do. Most people who try send a template letter, get an automated denial back, and give up. What you're paying us for is knowing which items to go after, in what order, how to word each dispute, and what to do when the bureau says no the first time.
What do I need to get started?
Just book a time for your free review. Have a rough idea of what's on your reports and what you're working toward, like a car, a home, or a lower rate. If you sign up, our team gets your reports pulled and takes it from there.
Every month you wait, you keep paying the bad-credit rate.
Book a free 15-minute review and find out what can come off your reports. If you sign up and nothing comes off in 45 days, you get your money back.
Book your free review