Forensic three-bureau audit
We review your Equifax, Experian and TransUnion files in full. Our 15+ page report documents each verifiable error, balance discrepancy and reporting violation.
Credit report repair, done line by line.
We audit your Equifax, Experian and TransUnion reports, challenge what is inaccurate, and record every response in your client portal.
- Best for
- Errors, duplicates and outdated items on a personal report
- Not for
- Removing accurate, current information
- You get
- A 15+ page audit and tailored disputes
- Where
- Virtual, nationwide
Bureaus handle millions of records a day. Errors get through.
One late payment reported in error, or two people's files merged into one, can change what a lender offers you. We check every reported item against federal reporting standards.
Personal identifying data
Misspelled names, old addresses, SSN variations and wrong employment histories that lead to mixed files.
Payment histories
Late payments reported in error, payments marked late during authorized deferments, wrong dates of last activity.
Collection accounts
Duplicate collections for one debt, accounts re-aged past legal limits, incorrect balances and fees.
Obsolete entries
Negative items that outlived the 7-year reporting window set by federal law.
Public records and charge-offs
Erroneous court records, satisfied judgments and unauthorized charge-offs.
Watch one dispute round unfold.
Federal law sets how long a bureau has to answer a dispute. Drag the slider to see what each stage of that window means. It describes the law, not a promise of when results arrive.
Day
Dispute sent
We send your dispute to the bureau. It names the item, the error and the law behind the challenge.
How the dispute cycle works.
Tailored dispute drafting
We draft disputes grounded in the FCRA and FDCPA. We do not send generic letters that bureaus routinely dismiss.
Response and verification
When responses arrive, we analyze the updated files, confirm what was corrected or deleted, and prepare any escalation.
Progress you can see
Updates, response letters and audit documents live in your secure portal, available around the clock.
Your rights. Under the Fair Credit Reporting Act you can dispute inaccurate, incomplete or obsolete information directly with the bureaus, at no cost. We charge no upfront service fees. Results vary, and accurate negative items cannot be deleted simply because they are unfavorable.
Before you decide.
Which items can be disputed?
Items that are inaccurate, incomplete, unverifiable or obsolete. That includes wrong personal details, late payments reported in error, duplicate collections, re-aged accounts and entries older than the 7-year reporting window.
Will disputing hurt my score?
Disputing does not lower a score by itself. Our monitoring uses soft inquiries, which do not affect your score. Scores can still move for other reasons, such as balances and new accounts.
Why not send generic letters?
Bureaus routinely dismiss template letters. Each dispute we send names the specific item, the specific error and the legal basis for challenging it.
See what is on your file.
A free 20-minute review, no signature needed.