All three bureaus worked simultaneously
We dispute with Experian, TransUnion, and Equifax at the same time — so removal is comprehensive, not piecemeal.
Credit Services
Negative items on your credit report don't have to stay there.
We dispute errors, challenge inaccurate negative items, and work to remove what's dragging your credit score down — so you can qualify for the financing you need.
Licensed advisors
500+ businesses served
Free 30-min strategy call
Starting from $149/mo
What It Is
What Credit Repair means for your business
Negative items on your credit report — late payments, collections, charge-offs, bankruptcies — don’t all have to stay there until they age off. Many can be challenged, negotiated, or legitimately removed if they contain errors, can’t be verified, or were reported incorrectly.
Our credit repair service systematically disputes every negative item on your credit reports with all three bureaus: Experian, TransUnion, and Equifax. We challenge accuracy, demand verification, and negotiate pay-for-delete agreements with collectors where applicable. We also advise on what to do — and not do — to avoid making a damaged score worse.
What you get with Credit Repair
Legal dispute process
We use the dispute process defined by the Fair Credit Reporting Act — legally requiring bureaus to investigate and remove unverifiable items.
Collector negotiation
For valid collections, we negotiate pay-for-delete agreements — where the collector removes the item in exchange for settlement — where possible.
How Credit Repair works
Full credit report review
We pull all three bureau reports, identify every negative item, and assess which are disputable, negotiable, or permanent.
Round 1 disputes
We send dispute letters to all three bureaus for every eligible item, demanding verification and removal of inaccurate or unverifiable items.
Collector negotiation
For valid collections, we negotiate pay-for-delete or goodwill deletion agreements to remove items without requiring the dispute process.
Ongoing monitoring
Monthly review of dispute outcomes, follow-up rounds where needed, and score tracking throughout the process.
FAQ
Common questions about Credit Repair
Still have questions? Talk to one of our advisors — no obligation.
Book a free call-
We challenge any item that cannot be verified exactly as reported. Even accurate items must be verifiable — if a bureau can’t verify the details, they must remove it. We also negotiate goodwill deletions for some accurate items with a positive payment history otherwise.
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Most negative items stay for 7 years from the date of first delinquency. Bankruptcies stay for 10 years. Our goal is to remove them before they age off naturally, so you don’t have to wait.
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Yes. The Fair Credit Reporting Act gives every consumer the right to dispute inaccurate, incomplete, or unverifiable information on their credit report. We use this legal right on your behalf through a systematic and professional process.
Ready to Start?
Ready to start removing what's hurting your credit?
Book a free call and we'll pull your report and tell you exactly what we can challenge.
No commitment. Free 30-minute strategy call.