How it works

How we delete negative items from your credit report.

No magic. No tricks. Just the federal dispute process, done right, with a dedicated agent who actually knows what they're doing. Here's exactly what happens after you enroll.

The 4-round process

Most negative items aren't removed in a single dispute. The bureaus push back. The data furnishers (collection agencies, banks, etc.) re-verify. So we plan for up to four rounds of escalating disputes, with each round attacking the same items from a new angle.

Step 1 · Days 1–7

Enrollment and 3-bureau report pull

You enroll in about 90 seconds at checkout. Within 24 hours your dedicated agent pulls your full reports from Equifax, Experian, and TransUnionand identifies every disputable item — collections, late payments, charge-offs, repossessions, judgments, hard inquiries you didn't authorize, and any obvious bureau errors (wrong addresses, mixed files, identity-theft remnants).

Step 2 · Days 7–37

Round 1: custom dispute letters

Your agent drafts custom letters, never templates, citing the specific section of the Fair Credit Reporting Act that requires the bureaus to verify each item (FCRA §611). Letters are mailed certified to each bureau the same week. The bureaus have 30 days by federal law to investigate and respond.

Step 3 · Days 37–67

Round 2: method-of-verification challenges

Items the bureaus claim to have "verified" get a follow-up demand: show your work. Under FCRA, the bureau must disclose the method used to verify the item and the source of the verification. Most can't, and items that can't survive a method-of-verification challenge come off.

Step 4 · Days 67–120

Rounds 3 and 4: debt validation and creditor escalation

For surviving items, we go after the data furnisher directly with debt-validation letters under FDCPA §809. If a collection agency can't produce the original signed contract or a chain of assignment proving they own the debt, the item must be removed. By day 120, most clients see 5 to 9 deletions per bureau.

What we can dispute

Collections — medical, credit card, utilities, parking tickets, anything sent to a third-party collector
Late payments — 30-day, 60-day, 90-day, and 120-day late marks
Charge-offs — accounts the original creditor wrote off as a loss
Repossessions — voluntary and involuntary
Bankruptcies — Chapter 7 and Chapter 13 (limited; bankruptcies are usually verifiable)
Judgments and tax liens
Hard inquiriesyou didn't authorize
Identity theft remnants — accounts opened in your name without consent
Bureau errors — wrong addresses, mixed files, duplicate trade lines, incorrect balances

What we can't dispute

Honesty matters more than promises. There are things no credit repair company can legitimately remove:

Accurate, verifiable, current negative items — if a creditor can prove the debt is yours, the date is right, and the balance is correct, it stays
Active loan accountsin good standing (we wouldn't want to remove those anyway)
Public records that are actually accurate — like a real bankruptcy with proper documentation

If a company tells you they can guarantee removal of anyitem — including accurate ones — walk away. That's the textbook definition of a credit repair scam.

What you do during the process

Almost nothing. Most clients invest under one hour total across the 120-day process, usually just signing a limited power of attorney during enrollment so we can communicate with the bureaus on your behalf, plus checking your portal occasionally to see deletions land.

Your dedicated agent handles every letter, every follow-up, and every escalation. You can text or call them directly during business hours.

The money-back guarantee

If you don't see a single deletion or updateacross the four rounds (days 30–120), every dollar you've paid us is refunded. No forms. No fight. Email us — we wire it back. See full pricing →

Ready to start round 1?

Enroll in 90 seconds. Your agent has your reports within 24 hours.

Start for $47 →

Then $100/mo · Cancel anytime · Money-back guarantee