Improve your credit score, starting with a free expert review.
Talk to a credit specialist today. We go through your reports from all three bureaus, find the negative items dragging your score down, and challenge them for you, so you can get approved for the home, car, and rates you deserve.
Your credit report follows you into almost every big decision.
When something on it is wrong, you can pay for it in ways you never see coming. If any of these hit home, a free review is a good place to start.
Turned down for a mortgage
Or approved — at a rate that makes the monthly payment hard to swallow.
Stuck with a high auto rate
A lower score can mean a higher APR, a bigger down payment, or both.
Rental applications denied
Many landlords check credit, and some ask for extra deposits when it's low.
Card applications rejected
Or approved with a tiny limit and a high interest rate.
Higher insurance premiums
In most states, insurers can use credit-based scores when setting your rates.
Job background checks
Some employers review credit reports, especially for financial roles.
had an error on at least one of their three credit reports.
That's what a congressionally mandated Federal Trade Commission study found. Errors happen, and you have the legal right to dispute them. We make sure it gets done thoroughly and followed up.
Every item gets a hard look. Here's what we look for.
The Fair Credit Reporting Act says information on your report must be accurate, complete, and verifiable. When it isn't, you have the right to challenge it.
Simple, transparent, and on your side.
You'll always know what we're doing, what we've sent, and what's come back.
Free review call
A specialist walks through your reports with you, answers questions, and tells you honestly whether we can help.
Today · FreeYour custom plan
If it's a fit, you get a written plan, our federal disclosures, and a clear contract, with 3 days to cancel for any reason.
Week 1We challenge items
We prepare and send disputes to the bureaus and goodwill or validation letters to creditors and collectors.
OngoingTrack every result
Bureaus generally have 30 days to investigate. We review every response with you and plan the next round.
Monthly updatesWhat's hurting your credit right now?
Pick everything that applies. We'll ask two more quick questions so your specialist is ready before they call.
You can do this yourself. Here's what we take off your plate.
Disputing errors is your right, and it's free. Most people come to us because they don't have the time, or because they tried and got nowhere.
| Doing it yourself | With Done for you | |
|---|---|---|
| Reviewing reports | Pull all three reports and read every line yourself | Specialists review all three and flag what to challenge |
| Writing disputes | Research the FCRA and FDCPA, write each letter yourself | Item-specific disputes and creditor letters prepared for you |
| Follow-up | Track deadlines, certified mail, and responses | We track every deadline and escalate when needed |
| Progress | Compare reports by hand to see what changed | Clear monthly updates on what was sent and what changed |
| Cost | Free (plus your time and postage) | Free review. No fees until work has been performed. |
Want to try it yourself first? The FTC has a free guide: Disputing errors on your credit reports.
Know the red flags. Then hold us to a higher standard.
Federal law protects you when you hire a credit repair company. We think you should know exactly what those protections are.
Walk away if a company…
- Asks for payment upfront, before any work is done. That's illegal under federal law.
- Guarantees results or a specific score increase. No one can promise that.
- Says it can remove accurate information. It can't. Nobody can.
- Tells you to dispute things you know are correct, or to create a "new credit identity."
- Won't explain your rights or give you a written contract.
With us, you always get…
- Zero upfront fees. You're never charged before work has been performed.
- A written contract plus the federal "Consumer Credit File Rights" disclosure before you sign.
- 3 business days to cancel for any reason, no questions asked.
- Honest answers. If we can't help, we'll tell you on the first call.
- Disputes based on facts only, meaning items that look inaccurate, incomplete, or unverifiable.
Read the full Consumer Credit File Rights disclosure required by the Credit Repair Organizations Act.
Straight answers.
Still have questions? A specialist can walk you through your situation. The call is free.
Is the credit review really free?
Yes. The review call is free and there's no obligation. If you decide to work with us, everything is explained in writing first, and you're never charged before work has been performed.
Will this hurt my credit score?
No. Checking your own credit reports never affects your score, and filing a dispute doesn't lower it either.
How long does it take?
Credit bureaus generally must investigate a dispute within 30 days (up to 45 in some cases). Many clients see first responses within 30–45 days. Your overall timeline depends on how many items there are and how creditors respond, and we'll give you a realistic picture on your call.
How much does it cost?
Your specialist will explain pricing clearly on the call, before you agree to anything. By law, and by our own policy, we never charge you before the work has been performed.
Can you guarantee my score will go up?
No, and you should be wary of anyone who does. Results depend on what's on your reports and how bureaus and creditors respond. What we guarantee is a thorough, honest, by-the-book process.
Can you remove accurate negative items?
No. No one can legally remove accurate, current, verifiable information. We focus on items that appear to be inaccurate, incomplete, outdated, or unverifiable. For accurate items, we can help you plan around them.
Can I dispute errors on my own?
Yes, and it's free. You can dispute directly with each credit bureau, and you can get free reports at AnnualCreditReport.com. We exist for people who'd rather have experienced specialists handle it.
Can I cancel?
Yes. Federal law gives you 3 business days after signing to cancel for any reason. After that, our agreement has no long-term commitment, and you can cancel any time.
Is credit repair legal?
Yes. Credit repair is legal and regulated by the federal Credit Repair Organizations Act and by state laws. It protects you by banning upfront fees, requiring written contracts and disclosures, and giving you a 3-day right to cancel.
Find out what's really on your reports.
One free call. A specialist reviews your reports with you and tells you honestly what can be challenged. No pressure, no obligation.