What we do?

We understand the challenges that come with credit issues, and we’re here to help you overcome them. Our team assist clients in disputing inaccurate, unverifiable, or obsolete items such as bankruptcies, repossessions, and charge-offs.

We Challenge…

  • All inquiries that do not have open accounts will be reinvestigated. These unwanted inquiries lower your credit score due to multiple credit checks.

  • Challenge the impact of missed payments that hurt your credit score.

  • Reinvestigate and challenge collections that show inaccuracies and/or unresolved debts and affect your credit worthiness.

  • Dispute charged off accounts showing unpaid debts on your credit report.

  • Assist in challenging repossessions that reflect severe payment issues impacting your credit.

  • We help you challenge bankruptcies that may be inaccurately reported or unverifiable, giving you a chance to improve your credit standing.

  • We also challenge inaccurate or unverifiable information from student loans, negative closed accounts, evictions and child support.

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How we do it?

Through a step-by-step process, we conduct a thorough analysis of your credit report, identifying areas of opportunity and inaccuracies. From there, our team goes to work on your behalf, communicating directly with creditors, credit bureaus, and collection agencies to negotiate the removal or correction of negative items. Every action we take is tailored to your unique situation, aiming to boost your score and help you reach your financial goals.

 FAQs

  • Results can vary depending on each client's unique credit situation and the types of items we’re working to address. However, some clients may begin noticing changes within 30 to 45 days, though timing and results vary for each individual.

  • No we cannot guarantee credit score improvements. We can inform you that our proven strategies may help improve your overall credit profile. Our team works diligently to address inaccuracies and remove negative items where possible, helping you build a stronger credit profile over time.

  • We help clients challenge a variety of negative items, including bankruptcies, evictions, child support entries, repossessions, late payments, inquiries, and collections. Each item requires a tailored approach, and we prioritize transparency and honesty about what’s achievable based on your credit report.

  • Once an item is removed, it typically does not reappear unless it was removed due to an error or incomplete process. We take every step to ensure items are removed properly, but it’s important to understand that creditors may attempt to re-report certain items. If this happens, our team can provide further assistance to address it

  • Yes, paying off debt can have a positive impact on your credit score, particularly if it reduces your credit utilization ratio, which is 35%. This is only one factor in the credit scoring model. However, utilization is the most important. We assess each client's full credit profile to identify other areas of improvement that may have a stronger impact on your score.