SERVICES · CREDIT REPAIR
Credit Repair That Removes What Shouldn't Be There
Late payments that weren't late, collections that aren't yours, balances that never updated — we challenge them all, with proof.
WHAT IT ENTAILS
A Full-Cycle Dispute Service, Not a Letter Mill
We open your file with a three-bureau audit, then file targeted challenges — bureau disputes, furnisher interventions, goodwill and pay-for-delete negotiations — and follow each one until it resolves. You see every letter before it goes out and every response the day it lands.
- Bureau disputes with Metro 2–aware documentation for each alleged error.
- Creditor & collector negotiations, including goodwill and pay-for-delete outreach.
- Identity & mixed-file separation when someone else's accounts land on your report.
- Score-building plan running in parallel, so new positives grow while old negatives fall.
PROCESS
How Your Repair Moves Forward
- Audit & strategy. Every negative item is graded: error, unverifiable, stale, or accurate — each gets its own tactic.
- Round-one challenges. Disputes and goodwill letters go out with supporting evidence within days of approval.
- Escalation. Non-responses and stubborn verifications move to furnisher-direct and regulatory channels.
- Rebuild & monitor. Secured lines, utilization tuning, and monthly tracking lock in the gains.
FAQ
Credit Repair Questions, Answered
How long does credit repair take?
Most files show first deletions within 30–60 days; full programs typically run 4–8 months depending on item count and responsiveness.
Can you remove accurate negative items?
No honest firm can promise that. We challenge what is inaccurate, unverifiable, or outdated — and build new positive history alongside.
Will disputing hurt my score temporarily?
Occasionally an item under review can shift scoring slightly, but finalized deletions of errors almost always help. We stage challenges to minimize noise.