An IRS Enrolled Agent on your file
Credit repair, done
like a licensed practice.
We review your credit reports and dispute inaccurate, unverifiable, and outdated items under the FCRA, with a licensed financial professional reviewing every case. No offshore letter mill, no empty promises.
No advance fees. Results vary by individual credit profile.
Credit file
Disputes under review
Collections
Unverifiable account
Late payment
Incorrect notation
Hard inquiry
Not authorized
Address
Outdated, not yours
Dispute process
IRS Enrolled Agent
owns every file
3 bureaus
Experian, Equifax, TransUnion
30-day cycles
written updates per bureau
No advance fees
billed only after work
The difference
A licensed professional reviews your file. Not a boilerplate letter mill.
A lot of credit services generate the same letter for everyone. We work differently: our software flags questionable items and drafts FCRA-grounded challenges, but a licensed financial professional reads each case and reviews every submission before it goes anywhere.
Human oversight
An Enrolled Agent supervises the work on your file.
FCRA-grounded
Challenges are built on the federal law that protects you.
What we challenge
Only what does not belong.
We target inaccurate, unverifiable, and outdated items. We never promise to remove accurate, current information.
- Collections and charge-offs that cannot be verified
- Late payment notations that are incorrect
- Hard inquiries you never authorized
- Outdated addresses attached to your file
- Certain public records past their legal window
How it works
Four clear steps, with updates along the way.
See the full process →Free review
We look at all three bureau reports together.
Written agreement
A 3-day right to cancel. No early bills.
Dispute cycle
FCRA-grounded challenges, professionally reviewed.
Monthly updates
Written progress each time bureaus respond.
No advance fees
Under the Credit Repair Organizations Act, fees are billed only after services are performed. You will not be charged before your review and documents are processed.
3-day right to cancel
Every written agreement gives you three days to change your mind, in writing, with no penalty. The contract is yours to review first.
You can do it yourself
You always have the right to dispute items yourself, directly with the bureaus, for free. We are a choice, not a requirement, and we say so plainly.
Free credit review
Start with a conversation, not a contract.
Tell us a little about what you are seeing. We will review your file and come back with what can be disputed, what cannot, and how we would approach it.
Prefer to talk it through?
Call (323) 900-0305Start with a free review
See what is on your credit report. Free.
A licensed professional reviews your file, identifies disputable items, and gives you a clear picture before anything is billed.
No advance fees. Fees are billed only after your review and documents are processed.