Your credit report should reflect the truth. We make sure it does.
Errors, outdated entries, and unverifiable items can quietly suppress your score for years. We audit your file against federal accuracy standards, challenge what doesn't hold up, and never bill you until that work is actually done.
A Typical Client Journey
Timeline varies by caseThree ways we help you take control of your file.
Every engagement starts with a review of your credit file — from there, we tailor the work to what your report actually needs.
Credit Report Disputes
We audit your reports from all three bureaus against FCRA accuracy and verifiability standards, then formally challenge items that don't hold up.
Credit-Building Consulting
Optional, separately elected guidance on building positive history and improving your utilization ratio over time.
Ongoing Case Management
A documented case file, a designated point of contact, and a written update no less than every 30 days so you always know exactly where things stand.
How it works, start to finish.
Sign your agreement
Your 3-business-day right to cancel begins immediately — no obligation, no charge, if you change your mind.
Submit your reports
Using your free annual reports from all three bureaus, we begin reviewing your file during your cancellation window.
Initial consultation
A 30-minute call to walk through what we found and outline a plan — included at no charge in your standard service.
Disputes go out
Once your cancellation window closes, we submit dispute correspondence and begin billing only for work completed that cycle.
You stay informed
Written updates at least every 30 days, tracking every response and next step in your case file.
What actually sets us apart.
Pay after, not before
Federal law prohibits upfront fees for this kind of work, and we go further — every invoice itemizes the exact work already completed.
No guaranteed-outcome promises
We'll never promise a specific score or tell you we can remove accurate, current information — because no legitimate advocate can.
Real disputes, not templates
Every letter is written around your specific file — not a generic form letter cycled through every client we work with.
You can always do this yourself
Disputing your own report is a free right under the FCRA. We're here because we do it well and save you the time — not because you're required to pay someone.
Ready to see what's actually on your report?
Start with a free consultation. No pressure, no upfront cost, no obligation.