How it works
You hand us the mess. We hand you a plan.
Five beats, start to finish — guided the whole way, with you approving every move.
01
Tell us about you
Name, contact, and what’s been weighing on you. Ninety seconds on your phone or laptop. No documents, no downloads, no printer.
02
Get your reports, guided
Your three free reports come straight from annualcreditreport.com, the official site. A step-by-step guide in your portal shows you every click, and your analyst can stay on the phone while you do it. We never ask for a login, and checking your own reports never touches your score.
03
Every line gets read
Every account, every mark, every date gets read and sized up: exactly how many items on your file are worth fighting, and where they live.
04
Your full review — then your analyst calls
Your complete three-bureau game plan lands in your portal: what we can challenge and why, what’s accurate and staying, and the strategy for every round ahead. Once it’s in your hands, a real analyst calls to walk it with you and plan the next steps.
05
We write every letter. You drop it in the mail.
Round after round, your analyst builds each dispute letter and loads it in your portal, ready to print. You sign it and mail it yourself — one envelope per bureau — so every dispute arrives from your own mailbox, in your own name, exactly the way the law expects. Then we take it back over: deadlines tracked, responses read, your analyst on the phone with the next move.