Inaccurate items
Accounts that aren’t yours, wrong balances, or payments reported late that were paid on time.
The dispute process
Exactly how we challenge inaccurate items on your credit reports — transparent from start to finish, and backed by the Fair Credit Reporting Act.
Step by step
How a dispute works
Most dispute cycles follow the same path. Here’s what to expect.
Free credit review
We pull and analyze your reports from Equifax, Experian, and TransUnion to identify inaccurate, unverifiable, or outdated items worth challenging.
Build your dispute strategy
Together we prioritize which items to challenge and why. We prepare personalized, FCRA-backed dispute letters tailored to each item and bureau.
Disputes submitted to the bureaus
We send your disputes to the credit bureaus and, where appropriate, directly to the furnishers (the creditors reporting the information).
The bureaus investigate
Under the FCRA, the bureaus must reasonably investigate and respond — generally within 30 days. Unverifiable or inaccurate items must be corrected or removed.
Typically ~30 daysReview the results
We review each bureau response with you, explain what changed, and document the outcome in your client portal.
Escalate & repeat as needed
Credit repair is often iterative. For unresolved items we escalate, provide additional documentation, or re-dispute — while coaching you on building positive credit.
What we can dispute
We challenge information that is inaccurate, incomplete, unverifiable, or past its reporting limit.
Unverifiable items
Items the bureau or furnisher cannot verify when properly challenged under the FCRA.
Outdated items
Negative items still reporting past the legal time limit (generally 7 years; 10 for some bankruptcies).
Honest expectations
What credit repair can — and cannot — do.
We cannot remove accurate information
No company can legally remove accurate, current, and verifiable information from your credit report. Any company that promises to do so is not being truthful.
What we can do is challenge information that is inaccurate, unverifiable, incomplete, or outdated — and coach you on the habits that build positive credit over time. Results depend on your individual credit file, and timelines vary. Learn more about your rights under the FCRA and read our CROA disclosure.
Ready to start your disputes?
Begin with a free review of your three credit reports — no upfront fees, no obligation.
Get my free consultation