Read the whole file
We review all three bureau reports line by line. We flag wrong personal details, collections, late payments, duplicate accounts and obsolete entries.
Make your file tell the truth.
Credit reports hold mistakes. We find them, dispute them with the bureaus, and show you every result. You pay for removals we can verify, not for promises.
No upfront service fee. A $199 audit fee applies after completion and delivery. Bureau deletion fees and required credit monitoring are billed separately.
- 1Know what is wrong.We read all three bureau reports line by line.
- 2Challenge the errors.Each dispute names the item, the error and the law.
- 3See what changed.Every result is recorded in your client portal.
Equifax · Experian · TransUnionResults vary.
Two ways we help. Pick the one that fits.
Fix errors on my personal credit
Wrong names, duplicate collections, late payments reported in error, entries past the 7-year window. We audit, dispute and track.
Credit enhancementBuild business credit that stands apart from me
Set up your D-U-N-S profile, vendor tradelines and lender-ready records on your EIN, so the company earns its own credit.
Business credit coachingClear work.
Clear record.
You should always know what is being challenged, what the bureaus answered and what you are paying for. Here is how a review turns into a result.
Challenge the errors
Each dispute cites the specific item and the law behind the challenge, drawn from the FCRA and FDCPA. You follow every dispute in your secure client portal.
Account for the result
Deletion fees are invoiced monthly in arrears, only after verified removal. If nothing is removed within 180 days, the $199 Initial Audit fee is refunded.
Virtual, nationwide
Phone or scheduled video, from anywhere in the country.
Encrypted client portal
Upload documents, read bureau letters and follow each dispute round, day or night.
Itemized billing
Pay per verified removal, with a monthly breakdown of what was removed.
Start with the details that matter.
A free review shows whether we fit your situation. If you continue, the Initial Audit gives you a 15+ page three-bureau analysis and your first-round dispute package.
Get my free credit reviewPersonal information
Misspelled names, wrong dates of birth, old addresses and employment records that cause mixed files.
Accounts and payments
Unverified collections, late payments reported in error, duplicate trade lines and balance discrepancies.
Public records and time limits
Entries past the 7-year reporting window, unauthorized charge-offs and inaccurate court filings.
What it costs, in full.
No fee is hidden in a bundle. Here are the numbers before you talk to anyone.
$0Free 20-minute review. Nothing to sign.
$199Initial Audit, once per person, billed after your audit and first dispute package are delivered.
$10 to $100Per verified removal, per item, per bureau. A month with none costs $0.
Credit monitoring is required and billed by the provider at $21.99 a month. If nothing is removed within 180 days, the Initial Audit fee is refunded. Build your own example invoice
Five questions to ask any credit repair company. Including us.
The FTC lists these as the signs that separate a legitimate company from a scam. Here is how we answer each one.
Do they ask for money before doing any work?
Not for repair work. The audit fee is billed after your audit and first dispute package are delivered. Deletion fees are billed monthly, only for items verified as removed.
Do they tell you not to contact the bureaus yourself?
No. You can dispute with Equifax, Experian and TransUnion for free, and we say so on our pricing page and in our service descriptions.
Do they promise a score or a guaranteed deletion?
No. Results vary, and accurate, current information cannot be removed.
Do they put services, timeline and total cost in writing?
Your written agreement lists the services and what you will pay. It also states your three-day right to cancel.
Do they explain your rights before you sign?
The free review covers your options and the costs first, with nothing to pay and nothing to sign.
Questions people ask first
Can you remove accurate negative items?
No. Federal law bars any credit repair company from claiming it can. Only information that is inaccurate, incomplete, unverifiable or obsolete can be disputed. An accurate item that is still within the reporting period stays on your report.
Can I dispute errors myself for free?
Yes. The Fair Credit Reporting Act lets you request your reports and dispute errors directly with Equifax, Experian and TransUnion at no cost. We do the forensic reading, drafting and tracking for clients who want a professional to do it.
How will I know what changed?
Every bureau response and every result is recorded in your secure client portal. Each month your updated three-bureau report shows what was corrected or removed, and your deletion invoice lists exactly those items. We do not promise results or dates.
What is the difference between the free review and the $199 audit?
The free review is a 20-minute call. We look at your situation, explain the costs and tell you whether we are a fit. The $199 Initial Audit is a 15+ page three-bureau analysis, your first-round dispute letters, an onboarding call and portal setup. It is billed after those are delivered.
Why is credit monitoring required?
Monitoring lets our specialists see updated reports from all three bureaus without hard inquiries, which can lower a score. It is billed by the provider, currently $1 for 7 days and then $21.99 a month, while your file is in active dispute.
How does working virtually work?
Everything happens by phone, scheduled video call and your encrypted client portal, from anywhere in the country. You never need to visit an office.
Tell us where you are. We will tell you where you stand.
Share what you are working toward. A specialist reviews your situation and explains the next step and the costs before you enroll. Please do not send Social Security or account numbers here.
1 800 478 7119
[email protected]
[email protected]
Virtual, nationwide. Monday to Friday 9:00 AM to 6:00 PM EST. Saturday 10:00 AM to 3:00 PM EST.