Inaccurate Information
Wrong balances, wrong dates, wrong account status — if it's reported incorrectly, it can be disputed.
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Get My Free Credit Analysis →Under the Fair Credit Reporting Act, these items can be legally disputed. This is what we help you do — legally and transparently.
Wrong balances, wrong dates, wrong account status — if it's reported incorrectly, it can be disputed.
If the creditor can't verify it during the bureau's investigation, it must be deleted.
Most negatives: 7 years. Chapter 7 bankruptcy: 10 years. Past the window? It must come off.
The same debt reported twice (common after collection transfers) can be challenged.
Accounts you never opened can be blocked under FCRA §605B with proper documentation.
Someone else's data on your report — more common than you'd think, and fully disputable.
We pull your tri-bureau report and identify every item that may be disputable — and tell you exactly why.
We show you what we found and what we believe we can challenge. Full transparency before you commit to anything.
Disputes sent to bureaus and furnishers using FCRA §611 and §623 legal channels. Every action documented.
Your client portal shows every dispute sent, every response received, in real time.
You are billed ONLY after each cycle of work is completed. Never before.
"Had 4 of 7 items removed — enough to qualify for the home loan we'd been denied for twice. They told me upfront which 3 items were accurate and would stay. That honesty is why I trusted them."
Jasmine W., New Mexico
Results may vary. Individual outcomes depend on the specific items on your credit report, whether those items can be successfully disputed under the FCRA, and the credit bureaus' investigation findings.
"After identity theft, my report was a mess. They used the FCRA identity theft block process and got the fraudulent accounts removed. The portal kept me updated every step."
Carlos M., New Mexico
Results may vary. Individual outcomes depend on the specific items on your report and bureau investigation findings.
Template testimonials — replace with real, permissioned client statements + signed consent before publishing.
Every plan bills AFTER each completed cycle of work — as required by federal law.
$99/mo
+ $150 setup (billed after first audit)
For reports with 1–4 targeted items to dispute
$179/mo
+ $249 setup (billed after first audit)
For reports with 5+ items incl. collections & charge-offs
$1,095
one-time · billed after initial audit + first dispute round
Defined scope, capped cost. Best for 3–8 items with a clear strategy.
No — and any company that does is breaking federal law (CROA §1679b). What we CAN do: identify every item on your report that may be inaccurate, unverifiable, or outdated — and dispute those items using your FCRA rights. Whether bureaus delete, correct, or verify them depends on their investigation findings.
If it's accurately reported and within the FCRA reporting window (10 years for Ch.7, 7 years for Ch.13 and foreclosures), it cannot be legally removed. If it's reported INCORRECTLY — wrong dates, expired, or not yours — we can dispute that. We'll tell you honestly what's disputable after your free audit.
Never. Under the Credit Repair Organizations Act, it's illegal to charge before services are performed. You only pay after each cycle of work is done.
Section 609 of the FCRA gives you the right to request disclosure of your credit file. It's not a magic loophole that removes any item. What actually works is a properly constructed dispute under §611 (bureau investigation) and §623 (furnisher liability) — which is what we do.
The CFPB estimates meaningful changes take 3-6 months of active work. Complex reports with heavy collections, identity theft, or bankruptcies can take 6-12 months. We'll give you an honest estimate after your audit.
Yes — the FTC and CFPB are clear: you can dispute inaccurate information yourself for free at annualcreditreport.com. We're here if you'd rather have a team handle it, or if you've tried DIY and need a different approach.
Cancel anytime. Under CROA, you have an unconditional right to cancel within 3 business days of signing with no penalty. After that, cancel anytime — you only owe for work already completed.
Absolutely — when done properly. It's the legal process of disputing inaccurate, unverifiable, or outdated information under the FCRA. What's NOT legal: charging upfront, making guarantees, or promising to remove accurate info. We don't do any of that.
Credit counseling agencies help you manage debt and payments. Credit repair specifically addresses inaccuracies on your report through the dispute process. Different services, different goals — sometimes people need both.
Name, address, date of birth, and SSN for identity verification when we pull your tri-bureau reports. Your data is protected under GLBA and our Written Information Security Program.
Never — without your explicit consent. Federal law (FCRA §604, GLBA) restricts how we can use your data. See our Privacy Policy for details.
Yes — [state your CSO registrations and bond amounts by state, with links to verification]. Ask us and we'll show you.
We'll show you what's on your report, what's disputable, and what your realistic options are. Then YOU decide.
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