Credit Repair That Works
From collections and hard inquiries to bankruptcy recovery — we dispute, remove, and rebuild. 50,000+ clients helped. Results in 30–60 days.
50,000+
Clients Helped
$2.1M+
Negative Items Removed (Value)
+191 pts
Average Score Gain
4.9★
Average Client Rating
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Choose Your Credit Repair Path
Each specialty has a dedicated team, tailored dispute strategy, and proven results. Most clients benefit from 2–3 specialties simultaneously.
+94 pts
Avg. Gain
87%
Success
45d
First Results
Collections Removal
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
+52 pts
Avg. Gain
91%
Success
30d
First Results
Hard Inquiry Removal
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
+76 pts
Avg. Gain
78%
Success
60d
First Results
Late Payment Removal
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
+82 pts
Avg. Gain
71%
Success
60d
First Results
Charge-off Dispute
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- Outdated charge-off removal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
+143 pts
Avg. Gain
93%
Success
90d
First Results
Bankruptcy Recovery
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
Not Sure Where to Start?
Get a free 3-bureau review and a specialist will build your personalized plan — no commitment, no hard pull, 24-hour response.
- All bureaus covered
- No credit card required
- Specialist assigned to you
Which Specialty Fits Your Situation?
| Specialty | Avg. Score Gain | Success Rate | First Results | |
|---|---|---|---|---|
Collections Removal Most Common | +94 pts | 87% | 45 days | Details → |
Hard Inquiry Removal Fastest Results | +52 pts | 91% | 30 days | Details → |
Late Payment Removal Highest Impact | +76 pts | 78% | 60 days | Details → |
Charge-off Dispute Complex Cases | +82 pts | 71% | 60 days | Details → |
Bankruptcy Recovery Biggest Gains | +143 pts | 93% | 90 days | Details → |
Our 5-Step Credit Repair Process
Free 3-Bureau Analysis
We pull and review your Equifax, Experian & TransUnion reports to identify every disputable item. No hard pull. No commitment.
Custom Action Plan
Your specialist builds a prioritized dispute plan targeting the highest-impact items first for the fastest score recovery.
Dispute Filing
We submit simultaneous disputes across all 3 bureaus using FCRA § 611 rights, with supporting documentation for each item.
Monitor & Re-dispute
We track every bureau response, challenge verifications, and re-dispute items with new evidence — unlimited rounds included.
Score Recovery
As negative items are removed, your score climbs. Most clients see measurable results within 30–60 days of their first dispute.
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Common Questions
Boost Your Score Even Further
Combine credit repair with tradelines and other tools for the fastest path to a 700+ score.
Authorized Tradelines
Boost your score 40–120+ points in 7–15 days. No hard pull. 20 premium accounts available.
Rent Reporting
Report your rent to all 3 bureaus monthly and build credit history without new debt.
Auto Loan
Get pre-approved for new or used car financing. All credit types welcome. Rates from 4.9%.
Mortgage Tradelines
Hit 620+ and get pre-approved for your home loan. Specialized tradeline selection for homebuyers.
Business Loans
Business lines of credit, SBA loans, and revenue-based funding up to $500K. No upfront fees.
Credit Builder Loans
Kikoff, Kovo, SoFi — build credit from scratch without hard pulls or big deposits.
Not sure which service is right for you?
Free Analysis — No CostStart Today — It's Free
Every Journey Starts with a Free Analysis
No obligation. No hard pull. A specialist will review your 3-bureau report and show you exactly what can be removed — and how quickly.