"I disputed it and they just said verified."
A form letter gets an automated answer. Naming the specific defect and the provision behind it is what forces a human to look at the file.
Credit accuracy & funding readiness
Lenders don't read your score one number at a time — they price you in bands. We correct what's inaccurate on your reports, cite the statute that requires it, and show you exactly what the next band opens up.
If any of these is you, the problem usually isn't discipline. It's that nobody ever showed you what the report actually says.
A form letter gets an automated answer. Naming the specific defect and the provision behind it is what forces a human to look at the file.
You're entitled to the reason. We pull all three reports and show you which item is actually driving the decision — often it isn't the one you assumed.
They rarely do. Those discrepancies aren't just noise — an item reported one way on one bureau and another way elsewhere is the furnisher contradicting itself.
Reinsertion isn't automatically illegal, but you must be told within five business days. That notice is missing more often than not.
Drag the slider or tap a band. This reflects general lender behavior — not a promise about any specific approval.
Generic "please remove" letters get stamped verified and sent back. We match each item to the specific defect on the report and the provision that governs it — which is what forces a real response instead of an automated one.
The bureau has 30 days to reinvestigate with the furnisher. If it can't be verified as reported, it comes off or gets corrected.
A method-of-verification demand asks who they contacted, when, and how. Most files can't answer that in writing.
With an identity theft report on file, the bureau must block the item within four business days — a different track entirely from a standard dispute.
Reinsertion isn't automatically illegal, but you must be notified within five business days. That notice is often missing.
Within 30 days of first contact you can demand validation. Until they provide it, collection activity has to stop.
Stale identifiers are how someone else's account lands on your report. We clean identity data first — disputes filed before that tend to bounce.
Four steps, in this order, for a reason.
Equifax, Experian and TransUnion rarely say the same thing. Working from one report means missing two-thirds of what's actually reporting on you.
Every tradeline gets checked for the specific defect: date of first delinquency, balance, status, duplicate reporting, identity data. You get the findings in writing before anything is filed.
Each item goes out under the provision that fits it. Nothing gets bundled into a form letter, because bundled disputes are the ones that come back verified.
We watch the 30-day clocks, escalate what comes back thin, and build the funding-readiness picture so the file is ready when the lender pulls it.
The report work is the same. What we prepare the file for isn't.
Home · vehicle · rebuilding
Owners · operators · 1099
Free · no obligation
Fill out the intake form once and you'll get back a plain-English rundown: what's inaccurate, what's accurate but hurting you, and what the realistic path to your next band looks like. If there's nothing worth disputing, we'll tell you that too.
Takes about three minutes · Encrypted & secure
What we'll need
Don't have your reports yet? Start the form anyway — we'll walk you through pulling all three.
No, and neither can anyone else. Accurate, verifiable, timely information stays on your report — that's the law working as intended. What we can commit to is finding what's inaccurate or unverifiable and pressing it under the correct provision.
Yes. You have the right to dispute directly with the bureaus at no cost, and we'll show you how if that's what you want. People hire us for the audit — knowing which defect to name and which statute applies — and for keeping the clocks and escalations on schedule.
Bureaus generally have 30 days to reinvestigate, so the first results land roughly a month after filing. Files with several rounds or identity theft blocks run longer. Anyone promising a fixed number of days for a specific score is guessing.
No. The review is free, and fees are charged only after services have been performed. You'll get the terms in writing before anything starts, including your right to cancel.
Filing a dispute doesn't lower your score on its own. What can move it is the outcome — a corrected balance or a deleted account changes your utilization and account mix, sometimes in ways worth planning around first. That's part of the review.