A Better Credit Score Starts With an Honest Look at the Report
Twenty-five years of pulling apart credit reports taught us one thing: most people are carrying errors they never put there. We find them, dispute them with all three bureaus, and tell you plainly what will and won't move your score. The first call is free. Here's who you'll be talking to.
Get a Free Credit Review
Tell us where you are and what you're trying to qualify for. We call back the same day.
Six Ways to Fix a Credit File, Chosen to Fit Yours
Credit repair isn't one product. A collections account that isn't yours, a thin file with two accounts, and a business that keeps getting declined are three different problems with three different fixes. The audit comes first so we don't sell you a dispute program when what you need is a 90-day payment plan.
Credit Repair
Dispute inaccurate, outdated, or unverifiable negative items on your reports with all three bureaus.
About credit repair →Credit Audit
A line-by-line review of your Equifax, Experian, and TransUnion reports before any dispute is sent.
About credit audit →Business Credit
Build a business credit file separate from your personal score so your company can qualify on its own.
About business credit →Credit Education
Plain-language coaching on how scoring works, so the score you build this year is still there in five.
About credit education →Credit Consulting
A written plan for the next 90 days: what to pay, what to dispute, what to leave alone.
About credit consulting →Finance Consulting
Debt-to-income, utilization, and savings strategy for people who are a year out from a mortgage or auto loan.
About finance consulting →Wondering about tradelines? Read what they actually do before you buy one →
The Errors We Find Most in Credit Reports
Accounts that were paid but still show a balance
Furnishers update on their own schedule. A card you paid off in March can report a balance into the summer, and your utilization ratio pays the price every month it sits there.
Collections that belong to someone with your name
Mixed files are more common than people think, especially with common surnames and family members at the same address. These are fully disputable and usually come off once the collector cannot match a Social Security number.
Medical debt under $500 and old paid medical collections
The bureaus agreed to stop reporting these, yet they still appear on reports we audit every week. One dispute letter with the right citation handles it.
Late payments reported during a forbearance or dispute window
If you had a documented hardship agreement and the lender still reported you 30 days late, that is an inaccuracy, not a judgment call, and the lender is obligated to fix it.
Hard inquiries you never authorized
Dealership shotgun inquiries and identity-theft inquiries both knock points off and both can be challenged.
None of this requires a lawyer. It requires someone who reads the whole report, knows the Fair Credit Reporting Act, and keeps the paperwork straight through three rounds. That's the credit repair service.
Serving Clients Nationwide
Credit bureaus are national, and so is the work. Our office is in Las Vegas, Nevada; clients in every state work with us by phone and secure document upload, with the same specialist from first call to final round.
(725) 278-4169From First Call to Updated Score in Four Steps
Free call with Alex or a credit specialist
Ten minutes. Where are you now, what are you trying to qualify for, and when. If credit repair isn't the right move, we say so on this call.
Pull your three reports and audit every line
You pull them yourself (soft inquiry, no score impact) and upload securely. We mark every inaccurate, incomplete, outdated, or unverifiable item and show you the list before anything is sent.
Disputes go out, and we track the 30-day clock
Bureau disputes and direct furnisher disputes, with the right documentation attached. You get a copy of everything. Results come back in 30 to 45 days and we start round two the same week.
Build the score that stays
Removal is half the job. Utilization, account mix, and a payment plan you can actually keep are the other half, which is where education and finance consulting come in.
What Credit Repair Can and Cannot Do
It can
- Remove items that are inaccurate, incomplete, or that the creditor cannot verify
- Correct balances, dates, and statuses that are reported wrong
- Challenge unauthorized hard inquiries
- Clean up a mixed or stolen-identity file
- Raise a thin file with the right tradeline strategy
It cannot
- Erase accurate, verifiable late payments or charge-offs on command
- Create a new credit identity (that is a federal crime, and we will tell you so)
- Guarantee a specific score by a specific date
- Replace the habit of paying on time
If any company promises you the second column, keep your money. Read our plain-language FAQ before you sign with anyone, including us.
Things Clients Ask on the First Call
How long does credit repair take?
Most clients see the first results 30 to 45 days after the first dispute round, because the bureaus have 30 days to investigate. A full program usually runs three to six months depending on how many items are disputed and how the creditors respond.
Can you remove accurate negative items?
No, and anyone who promises that is misleading you. We dispute items that are inaccurate, incomplete, outdated, or that the furnisher cannot verify. Accurate, verifiable items stay until they age off.
Do I have to sign up for texts to get help?
No. Text messaging is optional. You can leave the box unchecked and we will still call you back and work your file.
Is there a free consultation?
Yes. The first call is free and there is no obligation. We tell you honestly whether we can help before you pay anything.
What is a tradeline and will it fix my credit?
An authorized-user tradeline adds an established account's history to your file. It can help thin files and utilization, but it does not remove negative items. We will tell you if it is not the right tool for you.
One Free Call Tells You Whether This Is Worth Doing
Alex answers 24 hours a day at (725) 278-4169. Tell him what you're trying to qualify for; a specialist calls you back with a real answer.