How it works
A clear process, with a written timeline.
Every engagement starts with a free review, moves through a written agreement you can cancel, and keeps you updated on every 30-day cycle as the bureaus respond.
Free credit review
We walk through all three of your credit bureau reports and identify reports with inaccurate, unverifiable, or outdated items worth challenging.
Written agreement
If we move forward, you sign a written agreement with a 3-day right to cancel. No fees are billed until after your review and documents are processed.
Dispute cycle begins
We draft FCRA-grounded dispute letters addressing each disputable item and submit them to the credit bureaus, supervised by a licensed professional.
Monthly progress updates
As bureaus respond within their 30-day windows, you get written updates on every cycle so you always know where your file stands.
The 30-day cycle
What actually happens, every cycle.
Credit bureaus generally have about 30 days to investigate a dispute. That sets the rhythm of the process, and it is the rhythm we report back on.
- 1 · Submit
A professionally reviewed challenge is sent to the bureau.
- 2 · Investigate
The bureau investigates with the data furnisher (typically within 30 days).
- 3 · Respond
The bureau reports the outcome to the consumer and to us.
- 4 · Update you
You get a written status update on your file, every cycle.
Start your first step today
The free credit review is the only way to know what is on your file. Book it, or call us to talk it through.
Start 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.