Recover your credit.
Recover your options.
We remove errors and negative accounts from your Equifax, Experian, and TransUnion reports so you can qualify for your home, car, or personal loan.
How we work
Four steps. No shortcuts or magic promises. We apply the protections federal law already gives you.
Report analysis
We pull your three reports (Equifax, Experian, TransUnion) and audit them line by line to identify errors and opportunities.
Certified disputes
We send formal dispute letters under the Fair Credit Reporting Act. Each negative account is challenged with the proper documentation.
Monthly follow-up
You get access to a portal where you can see each disputed account, its status, and the changes in your score. Detailed report every 30 days.
You qualify and buy
When your score reaches the required range, we connect you with a trusted realtor or lender for your home, car, or loan.
What we do
Six fronts where we work. We combine the strategy that applies to your specific case.
Collections
We dispute old collections that should no longer appear on your report and negotiate pay-for-delete with current creditors.
Report errors
Payments reported as late that weren't, incorrect balances, duplicate accounts. We remove them one by one.
Charge-offs
Charge-offs, repossessions, and bankruptcies. If they aren't documented correctly, they can be removed under the FCRA.
Building credit
If you have no history, we guide you through opening the right accounts that build score safely.
Utilization optimization
Strategies to lower your utilization ratio and gain up to 50 points in 30 to 60 days.
Mortgage-ready
We get you to the exact score and profile required by FHA, Conventional, or VA for your home loan.
We start when you're ready.
The first evaluation is free and with no commitment. Fill out the form and we'll respond within 24 business hours.