Last updated November 2026
Who we are
Dispute Hammer provides credit repair and credit consulting services to clients in Texas. You can reach us at info@disputehammer.com or (469) 409-4446.
We are not a law firm and we do not provide legal advice. If your situation needs an attorney, we will tell you so.
What we do
We obtain and review your credit reports from the three nationwide bureaus, identify items that appear inaccurate, incomplete or unverifiable, and prepare and file disputes in your name under the Fair Credit Reporting Act. We also provide credit building and credit coaching guidance.
We follow each round until the bureaus respond and report the outcome to you.
What we cannot promise
No credit repair company can guarantee that an item will be removed or that your score will rise by a specific amount or date. Removal depends on the bureaus, your creditors and the accuracy of the information in your file.
You have the right to dispute inaccurate information yourself, free of charge, directly with the credit bureaus.
Your part
We need accurate information from you and prompt responses when the bureaus ask for identification or documentation. Delays or missing documents can pause a dispute round.
Fees and payment
You are quoted a fixed plan in writing before any work begins. We do not charge for work that has not been performed.
Cancelling
You may cancel your agreement at any time by writing to us at info@disputehammer.com or by calling (469) 409-4446.
You also have the right to cancel within three business days of signing without penalty, as provided by the Credit Repair Organizations Act.
Governing law
These terms are governed by the laws of the State of Texas.