Six-figure mistakes don't deserve six-year consequences. We remove inaccuracies, negotiate collections, and install the positive history that moves scores into lender-approved territory.
We pull Experian, Equifax, and TransUnion — identify every inaccuracy, every leverage point, and build a written plan before you sign anything.
Round-robin dispute campaigns tailored per bureau. We escalate to the CFPB when bureaus stonewall. Persistence is the product.
We contact collectors directly to negotiate pay-for-delete or goodwill removal. Paying a collection does not remove it — getting it deleted does.
Authorized-user placements, secured card strategy, and utilization surgery. The score rebuild is just as important as the cleanup.
Most files see meaningful change between 60 and 120 days. Complex files with bankruptcy, charge-offs, or identity theft can extend longer — we tell you honestly on the consult.
Federal law (CROA) prohibits guaranteeing specific score increases. What we guarantee is the work: documented disputes, real communication, and a written plan.
It is one tool of many. Some collectors accept, some don't. We only negotiate when it serves your long-term file — never just to clear it and refinance later.
Disputes themselves don't affect score. The temporary dip some clients see comes from closed accounts or settled debts, and is more than recovered by round 2–3.
Free fifteen-minute review. We pull a soft report, walk you through what we'd remove, and quote a fixed timeline.
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