Credit Repair That Works

Collection accounts can devastate your score by 50–110 points. We dispute inaccurate, unverifiable, or expired collections from all 3 bureaus under FCRA — including medical debt and charge-offs sold to collectors.

• Debt validation under FCRA § 809
• Pay-for-delete negotiation letters
• Expired collections (7-yr rule) removal
• CFPB complaint filing when needed

Unauthorized hard pulls are illegal under FCRA § 604. We identify every inquiry you didn't authorize and remove them permanently — often in under 30 days. Authorized inquiries over 1 year old are also challenged.

• Unauthorized inquiry identification
• FCRA § 604 dispute letters
• Rate-shopping inquiry grouping
• Post-removal monitoring

Payment history is 35% of your FICO score. A single 30-day late can drop you 60–80 points. We combine FCRA accuracy disputes with creditor goodwill strategies to remove late notations from your entire history.

• Goodwill adjustment letters to creditors
• FCRA date-accuracy disputes
• Pay-for-delete negotiations
• Re-dispute rounds included

Charge-offs can drag your score 100–150 points and stay for 7 years. Many contain balance errors, duplicate entries, or wrong status across bureaus — all disputable. We audit every charge-off for inconsistencies.

• Cross-bureau inconsistency disputes
• Debt validation from original creditor
• Outdated charge-off removal
• Goodwill & settlement negotiations

Post-bankruptcy credit repair is about accuracy: every discharged account must show $0 balance and 'discharged in bankruptcy.' We find the average 3.2 reporting errors per bankruptcy filer and dispute every one.

• Discharged account status audit
• Balance & status error correction
• Post-discharge collection removal
• 18-month rebuild roadmap