Your credit report is wrong. Federal law makes them fix it.

We find information on your credit reports that is inaccurate, incomplete, unverifiable, or reported past its legal time limit, and we dispute it under the Fair Credit Reporting Act until it is verified with a documented method or deleted. We also dispute directly with creditors and collectors, and escalate to federal and state regulators when bureaus do not follow the law.

Yes. The Fair Credit Reporting Act gives you the right to dispute anything on your report, and the Credit Repair Organizations Act regulates companies like ours. We give you the written contract, the three-day cancellation right, and the Consumer Credit File Rights statement the law requires, before you pay.

No, and a company that promises to is lying to you. What we can do is hold the bureau to the standard the statute sets: every field of every item must be accurate and verifiable. A collection with the wrong date of first delinquency, a charge-off whose balance keeps growing, a late that contradicts the account status. Those are not accurate, and they come off.

Our engine, the Flow Engine, scans your reports field by field, drafts the letters from the governing statutes, mails them certified, and tracks every deadline. A person reviews every letter before it ships, decides strategy on unusual files, and answers the phone. AI does the paperwork. People make the calls.

Bureaus have 30 days from delivery to respond to each round. Most files run three rounds plus escalation, so plan on about 90 to 120 days. Simple files with a few clear errors can resolve in the first round.

The online portals compress your dispute into a reason code, get answered by automated match, and leave no record. A certified letter creates a signature, a deadline, and a duty. Every escalation we do later depends on that record existing.

When a bureau says an item is 'verified', the FCRA lets you demand a description of how, including the name, address, and phone number of every furnisher it contacted. Most 'verified' responses cannot survive that request, because no real investigation happened.

Under FCRA section 611, an item that cannot be verified within the statutory window must be deleted. We file a CFPB complaint that week and demand deletion in writing. A pattern of missed deadlines becomes part of a damages claim.

We are not a law firm. When a bureau or furnisher has caused real harm, a denied mortgage, a higher rate, wrongful reporting after dispute, we assemble the file and refer it to consumer-rights attorneys who take FCRA cases on contingency. You pay nothing to be referred.

Credit Essentials is $147 a month: three certified letters every month, one to each bureau. Credit Complete is $249 a month and adds collector validation, furnisher disputes, and regulator escalation. Credit and Beyond is $499 a month and adds strategy and coaching. Every plan is month to month, cancel any time, with your rate locked while you stay. No setup fee, no hidden charges.

Yes, and the law requires us to tell you so. Every dispute we send you could send yourself. What you are paying for is the field-level scan, the letters that cite the right sections, the certified tracking, the deadline enforcement, and the escalation, run without you having to learn any of it.

Yes. The FCRA is federal, and our letters and process work in every state. We are based in Seattle and have clients across the country.

Yes. Once personal credit is in order, or in parallel where it makes sense, we place business owners with merchant cash advances, lines of credit, SBA loans, equipment financing, and revenue-based funding. See the business funding page.

A photo ID, a proof of address dated within 60 days, one SSN verification document, and access to a three-bureau monitoring account. After that, only the responses that arrive in your mailbox: photograph them and our intake reads them.

Identity documents and report credentials are encrypted at rest on our own server with a key that never leaves it. We do not sell, share, or rent your information to anyone.

We do not promise a score. Scores reflect everything on the file, including your own payments and balances. What we publish are real client outcomes from our own progress reports, on the results page, so you can see what has actually happened for the people we work with.