Every case below includes the full dispute timeline, FCRA citations used, documentation types submitted, and verified bureau deletion confirmations. This is what real credit repair looks like.
50K+
Clients Helped
+188
Avg. Points Gained
94%
Success Rate
30–45d
First Results
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Every step below is documented with the actual dispute types, bureau responses, and legal citations used.
Maria R.
Chino, CA· Assigned: Jennifer M., FCRA Specialist
Poor — High Risk
Good — Lender Approved
Items Removed
Analysis & Strategy
3-bureau audit completed, 7 items targeted
FCRA § 609 RequestFirst Disputes Sent
All 3 bureaus notified, timer started
Dispute Letters × 3First Removals
2 collections removed from Experian
Experian Deletion NoticeMajor Progress
Score hit 660 — mortgage pre-qual unlocked
Pre-qualification LetterGoal Achieved
Score 714 — home loan approved ✓
Loan Approval LetterFCRA § 609 dispute requests filed with all 3 bureaus
Debt validation letters sent to 4 collection agencies (FDCPA § 809)
Midland Credit Management
“I had been rejected for a mortgage twice before finding GO Repair Credit. Within 9 months every collection was gone and I finally got approved for my dream home. My advisor was available every time I had a question — this changed my life.”
Expand any card to see the full dispute documentation. Avg. gain: +190 pts.
Maria R.
Chino, CA
“I had been rejected for a mortgage twice before finding GO Repair Credit. Within 9 months every collection was gone and I finally got approved for my dream home. My advisor was available every time I had a question — this changed my life.”
James T.
Ontario, CA
“I was paying 24% APR on my car because my credit was wrecked. After 7 months with GO Repair Credit I refinanced at 3.9% and I'm saving $340 a month. Worth every penny.”
Sandra L.
Rancho Cucamonga, CA
“As a small business owner my personal credit was tied to everything. GO Repair Credit cleaned up years of mistakes in under a year. I got a $50K business credit line and my suppliers now give me net-30 terms.”
Carlos M.
Pomona, CA
“Landlords kept rejecting my applications because of collections. After 8 months every collection was gone and I got approved for a great apartment without needing a co-signer.”
Tanya W.
Fontana, CA
“I had fallen into a trap of applying for credit everywhere which tanked my score with inquiries. GO Repair Credit removed 12 of them and also got rid of an old medical collection I didn't even know about.”
Derek P.
Riverside, CA
“My score was in the 400s after a rough patch. In just 6 months GO Repair Credit turned things around completely. I now have a credit card with a real limit and I'm building positive history.”
Lucia F.
Los Angeles, CA
“After a bankruptcy I thought my credit was done for. GO Repair Credit worked methodically over 12 months — removing collections, disputing late payments, rebuilding my profile. I refinanced my home and now save $600 a month.”
Marcus H.
Dallas, TX
“I was trying to open a food truck business but kept getting declined for SBA loans. GO Repair Credit cleaned up my personal credit in 9 months and I got approved for a $75K SBA loan. My business is thriving now.”
FICO® Score Range
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Every dispute we file is backed by legal expertise, regulatory compliance, and documented evidence — not generic templates.
NACSO Member
National Association of Credit Services Organizations
FCRA Certified Team
All dispute specialists are FCRA-certified
CFPB Registered
Registered with Consumer Financial Protection Bureau
CROA Compliant
Operates fully under Credit Repair Organizations Act
SOC 2 Secured
Client data protected under enterprise-grade security
A+ Rated Practice
Consistent high client satisfaction rating
Unlike generic dispute mills, every GO Repair Credit case is individually researched, legally cited, and documented from start to finish.
We pull all 3 bureau reports using FCRA § 609 and catalog every negative item with its account number, balance, date, and cross-bureau consistency status.
FCRA § 609Each item is evaluated against FCRA §§ 611, 623, 604 and FDCPA § 809 to determine disputable grounds: inaccuracy, unverifiability, outdated reporting, or unauthorized inquiry.
FCRA §§ 611, 623Dispute packets are filed with all three bureaus at the same time using certified mail and documented submission records — each with specific FCRA statutory citations, not generic templates.
FCRA § 611(a)When bureaus verify items, we escalate to the original creditor under FCRA § 623 demanding the original application, payment history, and verification records.
FCRA § 623For unresponsive parties, we file formal CFPB complaints that create a federal record and legally require response within 15 days — creating leverage most clients never use alone.
CFPB EnforcementIf any item survives the first round, we re-dispute using new evidence, different FCRA angles, and escalated documentation. Every plan includes unlimited rounds — no extra charges.
FCRA § 611(a)(3)When you sign up, you're assigned a dedicated FCRA specialist — not a call center agent. The same person works your case from audit to final deletion.
Jennifer M.
FCRA Compliance Lead
NACSO Certified Specialist1,200+
Cases
8 yrs
Experience
Collections & Charge-offs
Carlos V.
Senior Dispute Analyst
FCRA Certified Analyst950+
Cases
6 yrs
Experience
Hard Inquiries & Bankruptcy
Ashley R.
FCRA Compliance Lead
CRCM — Credit Repair Compliance Manager800+
Cases
5 yrs
Experience
Late Payments & Goodwill
David K.
Bureau Relations Specialist
FCRA Pro — Bureau Liaison700+
Cases
4 yrs
Experience
Multi-bureau Inconsistencies
Start with a free, no-obligation 3-bureau analysis. Your specialist will identify every item dragging your score down and build your personal dispute roadmap — at zero cost.
No credit card · 30-day guarantee · FCRA compliant · No hard pull
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