Negative items on your credit report may be inaccurate, outdated, or disputable. Our specialists have helped thousands of Americans raise their scores by 100+ points.
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These negative items may be disputable under federal law:
We pull your credit reports from all 3 bureaus and identify every negative item.
We file disputes with Equifax, Experian, and TransUnion on your behalf.
Bureaus have 30 days to verify each item. Unverified items must be removed.
Removed negative items result in score increases — often 50–150 points.
"I had 3 collections and 2 charge-offs from 6 years ago. Within 5 months, all 5 were removed and my score jumped 166 points."
Alicia T.
Texas
Before: 521
After: 687
"Needed a mortgage but my score was too low. Credit repair removed a bankruptcy error and 4 late payments. Got approved for my home."
Marcus W.
Florida
Before: 594
After: 712
"Identity theft had destroyed my credit. The specialists disputed every fraudulent account. Score went up 93 points in 4 months."
Jennifer K.
California
Before: 548
After: 641
Results vary, but many clients see improvements of 50–150 points within 6 months. The amount of improvement depends on what negative items are on your report and how many can be successfully disputed.
Yes. Under the Fair Credit Reporting Act (FCRA), you have the right to dispute any inaccurate, incomplete, or unverifiable information on your credit report. Credit repair companies help you exercise these legal rights.
Most clients see meaningful results within 3–6 months. Credit bureaus have 30 days to respond to disputes. The process continues until all disputable items are resolved.
Credit repair focuses on removing negative items from your credit report. Credit counselling helps you manage debt and create a budget. Both can be beneficial depending on your situation.
Free analysis. No obligation. Specialists available now.
1-800-555-0000