We review your report line by line, challenge what's inaccurate, negotiate what's negotiable, and build you a clear plan to get back on solid ground.
// No fee until we start working your file. Results vary by case.
A composite illustration of the direction our process aims for — not a guarantee. Every credit file is different.
Most people don't ignore their credit on purpose. They just never had someone show them what's actually on the report, what's fixable, and what to do first.
consumers have an error on at least one of their credit reports that could affect their score.
days is typically all it takes for a bureau to respond once a dispute is properly filed.
upfront required to start your free report review and case assessment with us.
Credit repair isn't magic — it's methodical. Here's exactly what happens after you sign up.
We pull and analyze your full credit report from all three bureaus to find inaccurate, outdated, or unverifiable items.
We prepare and file disputes for anything that doesn't check out, and track every bureau's response on your behalf.
Where a debt is legitimate, we negotiate directly with collectors to try to reduce what you owe and settle it properly.
We hand you a step-by-step plan — utilization targets, account mix, timing — to build healthy credit going forward.
A line-by-line read of your Equifax, Experian, and TransUnion files to flag what's worth challenging.
We draft and file the paperwork for inaccurate or unverifiable items, and follow up until it's resolved.
We work directly with collectors to try to lower balances and settle accounts on better terms.
A personalized roadmap covering utilization, payment timing, and account mix to grow your score.
Clear updates on what's been disputed, what's changed, and what's next — no jargon, no guessing.
Every service is available in English and Spanish, from your first call to your final report.
Credit-building support for ITIN holders — secured cards, credit builder loans, rent reporting, and a path toward ITIN mortgage lenders.
Every package includes bilingual service. ITIN holders are welcome and supported at every tier, including a dedicated path toward ITIN mortgage lenders in Package 4.
If you have an ITIN instead of a Social Security number, you can still build real credit history. We help ITIN holders set up rent reporting, secured cards, and credit builder loans that report to the bureaus, and we track your ITIN's renewal timeline so it never lapses on you mid-process. Package 4 also connects qualified clients with lenders who work specifically with ITIN mortgage applicants.
No call centers, no scripts read off a screen. You'll talk to the same person who's working your case, from your first review to your last dispute letter.
We won't promise a specific score or timeline — we'll tell you what's actually fixable in your file.
Your review is free. Ongoing fees are tied to work performed, not a lump sum upfront.
You can review, question, or cancel at any point — see our full disclosures below.
Tell us a little about your situation and we'll reach out to schedule your consultation — no obligation.