Frequently Asked Questions

We analyze your credit reports from all three bureaus (Equifax, Experian, TransUnion) using a comprehensive 47-point Metro2 inaccuracy scan. Every error we find -- incorrect balances, wrong dates, status code mismatches, re-aged debts -- is a disputable inaccuracy under the Fair Credit Reporting Act (FCRA). We send detailed dispute letters via USPS Certified Mail, forcing bureaus to investigate within 30 days. If they cannot verify the information, they are legally required to delete it.

Yes. Credit repair is 100% legal and is protected by federal law. The Fair Credit Reporting Act (FCRA) gives every consumer the right to dispute inaccurate information on their credit report. The Credit Repair Organizations Act (CROA) regulates credit repair companies. We operate strictly within federal and state consumer protection law, citing specific FCRA sections, court precedents, and regulatory actions in every dispute letter.

Most clients see initial results within 30-45 days after their first round of disputes. Bureaus are legally required to complete their investigation within 30 days of receiving your dispute (45 days if you provide additional documentation). A typical case involves 2-4 rounds of disputes over 3-6 months to address all negative items. The exact timeline depends on the number of items being disputed and how the bureaus respond.

We dispute any inaccurate negative item: collections, late payments, charge-offs, hard inquiries, bankruptcies, medical debt, repossessions, foreclosures, tax liens, and student loan reporting errors. The key is accuracy -- if any data field is incorrect (wrong balance, wrong date, wrong status code, missing information), it is disputable under FCRA. We also target medical debt under $500, paid medical collections, and medical debt in ban states for automatic removal under current bureau policies.

We guarantee that we will professionally dispute every inaccuracy we identify on your credit report using the full weight of federal consumer protection law. While no company can legally guarantee specific score increases or that every item will be removed, our 98% success rate speaks to the effectiveness of our approach. If bureaus fail to investigate within their legal deadline, the item must be deleted -- that is federal law, not a marketing promise.

Our service is a one-time payment of $999. There are no monthly fees, no recurring charges, and no hidden costs. This includes up to 4 rounds of disputes to all 3 bureaus, debt validation letters to collectors, deadline tracking and enforcement, CFPB complaint filing when necessary, and Intent to Sue letters as escalation. You pay once and we work your case through completion.

To get started, you need: (1) a copy of your government-issued photo ID (driver's license or state ID), (2) your Social Security card or an official document showing your SSN, (3) a recent credit report or we can help you obtain one, and (4) your completed onboarding form. You can upload everything securely through our onboarding page.

The Fair Credit Reporting Act (FCRA), codified at 15 USC 1681 et seq., is the federal law that regulates how credit bureaus collect, maintain, and report your information. Key provisions we use include: Section 611 (30-day investigation requirement), Section 611(a)(6)(B)(iii) (method of verification demand), Section 623 (direct furnisher dispute), and Section 616 (statutory damages of $100-$1,000 per willful violation). The FCRA is the legal foundation of everything we do.

Every dispute letter is sent via USPS Certified Mail with Return Receipt Requested. This creates federal proof of delivery and starts the 30-day statutory investigation clock. We never use online dispute portals because they reduce your detailed dispute into a 2-digit e-OSCAR code, stripping away all narrative context, documentation, and legal citations. Certified mail forces the bureau to receive and process your complete dispute package.

If a bureau fails to complete its investigation within the 30-day statutory deadline (FCRA Section 611(a)), the disputed item must be deleted from your report. This failure also constitutes a willful violation of the FCRA, exposing the bureau to statutory damages of $100-$1,000 per violation under Section 616. We automatically file a CFPB complaint on day 31 and send an Intent to Sue letter citing the deadline violation and accumulated damages.

You have every legal right to dispute items on your own. However, the process requires knowledge of FCRA/FDCPA statutes, Metro2 data field standards, current regulatory actions, and strategic round progression. Our 47-point scan identifies inaccuracies most consumers would miss -- like status code vs. payment rating mismatches, DOFD re-aging across bureaus, and compliance condition code omissions. We also handle all certified mail, deadline tracking, and escalation.

We have a 98% success rate in removing at least some negative items from our clients' reports. Our multi-round approach ensures escalating legal pressure: Round 1 achieves a 30-40% removal rate, Round 2 adds 20-30% through Method of Verification demands, Round 3 adds 10-20% through sworn affidavits and direct furnisher disputes, and Round 4 targets remaining items through CFPB complaints and Intent to Sue letters.