The Fair Credit Reporting Act gives bureaus a statutory window to investigate a dispute. Everything below is organized around that real deadline — not a marketing timeline.
We review your report together, account by account, and flag anything inaccurate, unverifiable, duplicated, or outdated. You leave this step knowing exactly what is and isn't a strong dispute.
If you choose to move forward, terms and fees are put in writing first — required under CROA, and something we'd do regardless. No fee is collected before work begins.
Written dispute letters go out to each relevant bureau, citing the specific FCRA basis for each item — not a generic form paragraph.
Under FCRA §611, bureaus generally have up to 30 days to investigate a dispute and respond. We track every open case against that deadline.
The bureau must report back with its findings: an item is updated, removed, or verified as accurate. If a deadline is missed, that's documented and escalated.
We walk you through the bureau's written response in plain language and outline next steps — whether that's a re-dispute, an escalation, or moving on to the next item on your report.
None of this is required to book a call — but having it ready speeds up your first review considerably.
Book a free consultation and we'll review your report together.