01
Report Analysis & Auditing
A full read of your Equifax, Experian, and TransUnion files, cross-checked for inconsistencies between bureaus.
Credit File Analysis & Repair
Your credit file, analyzed,corrected, and rebuilt.
We review all three bureau reports line by line, identify every inaccurate or unverifiable item, and file the disputes that move your score. You get documentation at every stage — not vague promises.
Soft inquiry only · Response within one business day · No obligation
3
Bureaus reviewed
24 hrs
Response time
100%
File-specific analysis
0
Obligation to proceed
What the review covers
- All three bureau reports, compared for discrepancies
- Collections, charge-offs, and late payments verified for accuracy
- Credit utilization mapped against your limits
- Account age and mix assessed for score impact
- A written, prioritized action plan
You have the right to dispute inaccurate information yourself, at no cost.
Consulting Services
A structured process for every credit file
Each engagement follows the same disciplined sequence. We work the highest-impact items first and document every filing, response, and outcome.
02
Dispute Preparation & Filing
We prepare documented disputes for inaccurate, incomplete, or unverifiable items and file them with each bureau.
03
Collections & Charge-Off Review
Each account is verified for ownership, accuracy, and reporting period before we determine the right approach.
04
Utilization Strategy
Balance-to-limit ratios mapped across all revolving accounts, sequenced for the fastest measurable score gain.
05
Mortgage Readiness Planning
Working backward from your lender's thresholds so your file is ready when you apply — not after a denial.
06
Ongoing Monitoring & Education
Post-repair guidance on account mix, inquiry management, and protecting the progress you've made.
Not sure which applies to you? The free review determines that — we'll tell you plainly which items are actionable.
Explore all servicesEngagement Process
What working with us looks like
A defined sequence with clear deliverables. You will always know what stage your file is in and what happens next.
- 01
Credit Review
You submit your situation. We pull and analyze all three bureau reports at no cost and at no impact to your score.
Deliverable: full file analysis
- 02
Action Plan
You receive a written, prioritized plan identifying which items are disputable, which debts to sequence first, and the realistic timeline.
Deliverable: written credit plan
- 03
Filing & Follow-Through
We prepare and file disputes with each bureau, monitor responses within the statutory window, and escalate unresolved items.
Deliverable: filing records & updates
- 04
Rebuild & Protect
With inaccuracies cleared, we shift to building lender-visible history and timing your next application correctly.
Deliverable: rebuild roadmap
Who We ServeRequest a Free Credit Review
Engagements built around a defined financial objective
Credit repair without a purpose is expensive guesswork. Our clients come to us because a specific decision depends on their file.
Homebuyers
Meeting lender program thresholds before the application window opens.
Vehicle financing
Moving to a lower rate tier — often thousands in interest over the loan term.
Business owners
Personal credit drives early-stage business lending and vendor terms.
Post-hardship rebuild
Divorce, medical debt, job loss, or bankruptcy — sequenced recovery.
Our position on what we can and cannot do
We challenge information that is inaccurate, incomplete, or unverifiable. Accurate negative items remain for their legal reporting period — no service can legitimately remove them. Anyone promising otherwise is selling you something we won't.
Reference
Common questions
The answers most prospects need before they decide. If yours isn't here, ask us directly.
Read the full FAQWill the credit review affect my score?
No. The initial review uses a soft inquiry, visible only to you. It does not affect your score and is not shown to lenders.
How long does the process take?
Timelines depend on the file. Isolated inaccuracies can be resolved within 30–60 days, accounting for the bureaus' statutory response windows. Broader rebuilds — collections, charge-offs, or recovery after a hardship — typically run 6–12 months. We give you a realistic range rather than an optimistic one.
Can you remove accurate negative items?
No, and no legitimate service can. Accurate, verifiable information stays on your report for its legal reporting period — generally seven years for most negative items, longer for certain bankruptcies. Our work addresses what is inaccurate or unverifiable, then builds the positive history that offsets the rest.
What does the free review cost?
Nothing, and there is no obligation to engage us afterward. Pricing for any ongoing work is presented in writing and agreed before anything begins.
What information do you need to begin?
Your name, contact details, and a brief description of your situation. No documents are required for the initial review — we'll tell you what's needed if you decide to proceed.
Free Credit Review
Request your file analysis
Submit your details and we'll review your situation, then respond with a direct assessment of what is actionable on your file.
- Reviewed by a consultant, not an automated scoring tool
- A clear determination of which items are disputable
- Written plan provided before you commit to anything
- Soft inquiry only — your score is unaffected