Errors on your credit report are costing you. Let's challenge them.
Inaccurate late payments, collections and outdated accounts can hold your score down for years. We review all three of your credit reports, dispute what shouldn't be there, and keep you updated every step of the way.
The items that drag scores down
Under federal law, the credit bureaus must investigate items you dispute and correct or delete what's inaccurate or can't be verified. We handle that process for you.
Late payments
Late marks reported in error, with wrong dates, or duplicated across accounts.
Collections & charge-offs
Accounts with incorrect balances, wrong owners, or debts that collectors can't validate.
Repossessions & foreclosures
Derogatory accounts that are reported inaccurately or past the time they're allowed to stay.
Identity theft
Accounts you never opened. We help you document fraud and get it blocked from your reports.
Hard inquiries
Credit pulls you never authorized that are lowering your score.
Outdated & mixed info
Wrong names, addresses and accounts, or negative items older than the reporting limit.
Three simple steps
Free consultation
We talk through your goals and pull your three credit reports together so you see exactly where you stand.
Custom dispute plan
We identify every item that may be inaccurate, unverifiable or outdated, and send targeted disputes to the bureaus and creditors.
Track your progress
You get updates as bureau responses come in, plus guidance on habits that help your score keep climbing.
Get your credit ready before you apply
A stronger credit profile can mean better approval odds and better rates on a home, a car or a business loan. If you're planning to buy, the best time to start is months before you apply.
- Getting ready to buy a home
- Financing or refinancing a vehicle
- Recovering after a hardship, divorce or medical debt
- Cleaning up after identity theft
Why clients choose us
- Honest assessment. We tell you up front what we can and can't help with.
- Month-to-month. No long-term contract. Cancel anytime.
- Clear updates. You always know what was disputed and what came back.
Find out what's on your report — free
Book a no-pressure consultation. We'll review your situation and tell you honestly whether we can help.