Service 01 — Consumer Credit
Your report, corrected on the record.
Most denials aren't about character. They're about a file with items nobody ever challenged. We read all three reports line by line, dispute what shouldn't be there, and show you the paperwork at every step.
The short version
- First response
- Same business day
- Typical engagement
- 3–6 months of dispute rounds
- Where we work
- All three bureaus, remotely, nationwide
01 — Dispute analysis
We read the whole file, not just the score.
A 540 and a 640 can have nothing in common. The audit is where we find out which items are actually disputable — and which are accurate and have to be handled a different way.
Collections
Every collection account, checked for ownership, dates and whether it was ever validated.
Charge-offs
Balances that were sold, resold, or reported twice under different names.
Late payments
30/60/90 markers verified against the original creditor's records.
Public records
Judgments, liens and bankruptcies — including items past their reporting window.
Inquiries
Hard pulls you didn't authorize, which stay on the report for two years.
Identity mix-ups
Accounts that belong to someone with a similar name or an old address.
02 — The process
Four steps, in order.
- 01
Full report audit
We pull all three bureau reports and read them line by line, marking what's inaccurate, what can't be verified, and what's legally too old to report.
- 02
Disputes filed
Targeted dispute letters go to Equifax, Experian and TransUnion — one item at a time, with the specific statute and documentation attached. Where a collection is involved, we also file direct validation with the furnisher.
- 03
Response window
Bureaus have 30 days to investigate. We track every response, re-file what comes back unverified, and send you a plain-language status update each round.
- 04
Rebuild + monitor
Once the deletions land, we work the other side: utilization, new tradelines, and a monitoring plan so the score holds instead of sliding back.
03 — What gets filed
Each bureau, filed separately.
The three bureaus are separate companies with separate records. We dispute each one on its own and track the responses independently. Where a collection is the problem, we also go straight to the furnisher for validation.
Equifax
Disputes filed per item, with documentation and the specific basis for the challenge.
Experian
Same standard: one item, one letter, evidence attached, tracking retained.
TransUnion
Filed independently — a deletion at one bureau is never assumed at another.
What to expect
Bureaus have 30 days to investigate each round. Some rounds come back with deletions, some come back verified, and some take a second filing. We tell you what we sent, what came back, and what's next — every round. We don't promise a score, a deletion, or a date: anyone who does is guessing on your behalf.
Start here