Services
Four ways we fix a file.
Every engagement starts the same way: we read all three reports, show you exactly what’s wrong, and quote a fixed plan before anyone sends a letter.
One-time reset
Credit Repair
A line-by-line audit of all three bureau reports, then disputes filed on everything that shouldn’t be there.
Most reports carry more errors than people expect — a collection reported twice, a balance that never updated, an account that isn’t yours. Your analyst reads every line of all three bureaus and challenges what can’t be verified, round after round, until it’s resolved.
- All three bureaus audited line by line
- Inaccurate and unverifiable items challenged
- Bureau and creditor letters filed for you
- 30-day follow-up on every round
Collections & charge-offs
Debt Settlement
We negotiate balances down and get the agreement in writing, so a settled account stops following you.
A collection doesn’t have to be paid in full to stop hurting you. We handle the negotiation — with the original creditor or the agency that bought the debt — and get the terms in writing before a dollar moves.
- Balance negotiations handled for you
- Settlement terms confirmed in writing
- Payment plans built around your income
- Settled accounts reported the right way
Ongoing program
Credit Building
A rebuilt profile — the right tradelines, the right utilization, the right accounts aging in your favor.
Removing bad items is half the job. The other half is building a file a lender wants to say yes to: utilization under control, the right mix of accounts, and time working for you instead of against you.
- Utilization plan you can actually keep
- New tradelines added strategically
- Inquiry and aging management
- Monthly progress review with your analyst
Month to month
Credit Coaching
A personal analyst on call — reviews, letters, lender prep and straight answers when a decision is big.
For people who want the file handled and someone to ask before a big move — a mortgage pre-approval, a car loan, a new business line of credit. You get a person who already knows your file.
- An analyst who knows your file
- Lender and mortgage preparation
- Document and report reviews
- Straight answers, no scripts
What we handle
If it’s on the report and it’s wrong, it’s worth a look.
Not sure whether something qualifies? Send us the situation in a sentence and we’ll tell you honestly whether it’s disputable — before you sign anything.
No guaranteed scores
No one can promise a number. We promise accurate work, documented rounds and honest expectations.
No fake disputes
We challenge what is inaccurate or unverifiable — not everything, hoping something sticks.
No hidden fees
The plan and the price are in writing before the first letter is sent.
Nothing here is a guarantee of results or timelines. Each file is different, and outcomes depend on your credit history, your creditors and the credit bureaus. Under the Fair Credit Reporting Act you may dispute inaccurate information yourself, free of charge.
Not sure which one
Describe it in a sentence.
Tell us what’s on the report and what you’re trying to get approved for. We’ll tell you whether it’s a dispute, a settlement, or a rebuild.