What we fix
If it's wrong, unverifiable, or misreported, it's fair game.
Credit reports have rules — what can be reported, for how long, and with what accuracy. Our work is holding all three bureaus to those rules, item by item. Here's where the real leverage is.
Collections
Collection accounts change hands constantly, and documentation gets thinner with every sale. When a collector reports a debt it cannot substantiate — wrong balance, wrong dates, no records behind it — that reporting is challengeable. We press for what the law calls the method of verification, and 'the computer said so' is not one.
Charge-offs
A charged-off account still has to be reported accurately: the balance, the charge-off date, and the status all have rules. A common defect is a charge-off that keeps re-reporting in ways that make old damage look recent, or shows a balance after the debt was sold — both are challengeable reporting errors.
Late payments
The month-by-month payment grid on your report has to match what actually happened. Lates that conflict with your statement history, lates reported during forbearance or after a payoff, and grids that disagree between bureaus are all specific, factual defects — exactly what the dispute process was built to correct.
Accounts that aren't yours
Mixed files — where a bureau merges you with someone who shares your name, a family suffix, or a similar Social Security number — are among the most damaging errors on any report. If you tell us an account isn't yours, we dispute it on that truthful basis and demand real verification — under the law, a bureau must be able to verify an item or take it off the file.
Wrong dates and balances
The date of first delinquency controls how long a negative item can legally stay on your report — seven years, and the clock cannot be restarted by a collector. A wrong date there quietly extends the damage for years. Wrong balances on closed accounts and re-aged accounts are the same family of defect, and they matter more than most people realize.
Public records
Bankruptcies have a maximum reporting life of ten years; most other items, seven. Records that are past those limits, satisfied but showing open, or simply inaccurate are challengeable. We check the clock on every public record in your file.
Personal information errors
Old addresses, misspelled names, wrong employers, and stray name variants seem harmless — until one of them is the thread connecting someone else's debt to your file. Cleaning up the identity section of each report closes the door mixed files walk through.
Line by line
Every one of these gets found the same way.
Your complete three-bureau review reads every account, every date, and every status — and tells you in writing which items are challengeable, on what grounds, and which are accurate and staying. That last part matters: nobody can remove accurate, current, verifiable information, and we say so before you pay a dollar.
How we challenge it
Three ways to press, in the right order
A dispute isn't one letter — it's an escalation path, and each step has law behind it.
Bureau disputes
Specific, factual challenges to each bureau reporting the item. They generally have 30 days to investigate and must correct or delete what they can't verify.
Furnisher disputes
The company reporting the item has its own accuracy duties. Going to the source directly — in parallel with the bureaus — closes the loop where errors actually originate.
Method of verification
When a bureau claims an item is 'verified,' the law lets us demand how — who they contacted and what was reviewed. Stonewalling that question is itself grounds to press harder.
And every letter travels the same honest route: we write it and load it in your portal ready to print — you sign it and mail it yourself, so each dispute arrives from your own mailbox, in your own name, exactly the way the law expects. Then we track the deadlines and call you as the responses come in.
Straight with you
And here's what we won't do.
We will not try to remove accurate, current, verifiable information. Nobody can. Any company telling you otherwise is either lying to you or about to do something that puts you at risk.
No CPNs. Ever.
Credit privacy numbers are federal fraud. Any company that offers you one is handing you a felony and calling it a service.
No fantasy numbers.
Anyone who quotes you a score jump before reading your file is guessing. We tell you what's realistic for your file after we've actually read it — in writing.
No blanket disputes.
Mass “not mine” letters get your file flagged as frivolous and make every future dispute weaker. We challenge specific reporting defects instead.
No lock-in.
Stop whenever you like, with no penalty and no phone-tree runaround. We would rather earn your time than trap you in it.
Find out what's actually on your reports.
The first step takes ninety seconds. Your complete three-bureau review is free — no card, no bill — and once it's in your hands, your analyst calls to plan the next steps with you.