Nothing here is sold à la carte with a fee collected upfront — CROA doesn't allow that. Each service is part of one documented case built around your report.
We pull your report from all three bureaus and review it line by line — every account, inquiry, and public record — to flag what's inaccurate, unverifiable, duplicated, re-aged, or simply outdated.
Every dispute is a written letter citing the specific FCRA basis for the challenge — not a boilerplate paragraph. We track each one against the bureau's 30-day investigation window.
We walk you through what's actually driving your score — utilization, payment history, account age — and what's genuinely in your control going forward, separate from anything we're disputing.
As bureaus respond, we explain what each outcome means and what happens next — including how to escalate if a bureau misses its statutory deadline.
Start with a free consultation — no upfront cost, no obligation.