A federal-law dispute protocol — not a subscription. One enrollment, four certified-mail rounds, first letters out within 72 hours.
No monthly leash. No vague promises. One protocol, run on the record, and finished — typically inside 90–120 days.
If it's inaccurate, unverifiable, or reported in violation of federal standards, it's a target.
Third-party and debt-buyer collections with weak chain of title.
Charged-off accounts, re-aging violations, and inflated balances.
Inaccurate or unverifiable lates suppressing an otherwise strong file.
Auto repos and deficiency balances with reporting errors.
Unauthorized or unverifiable inquiries pulling your score down.
Bankruptcies, judgments, and liens that shouldn't be there.
Accounts that aren't yours and cross-bureau data conflicts.
Medical debt reported in violation of current federal rules.
Servicer and federal reporting errors on student accounts.
The protocol is the same precision work — pointed at the approval you're chasing. Drag to explore.
Online disputes feed the bureaus' automated e-OSCAR system and produce weaker results. We file by certified mail with proof of delivery — every time.
We challenge the exact reporting fields — dates, balances, statuses, codes — that federal standards require to be accurate.
Consumer law prohibits guaranteed results. We document what your file supports before you enroll.
CFPB complaints, state AG filings, and litigation-posture demand letters are part of your enrollment.
Before a single letter goes out, we decode your entire file — every negative item, every bureau conflict, every federal violation, and a realistic projection of what's fixable. You see the whole board before you decide.
The Fair Credit Reporting Act requires everything on your file to be accurate, complete, and verifiable.
Debt collectors must prove they have the right to collect — or the reporting comes off.
The reporting format the bureaus themselves must follow — field by field.
Written agreements, full disclosure, and your three-day right to cancel — always.
Everything starts with your tri-bureau report and scores. Pull yours for $1 and we'll review it live on your consultation.
A $50 deposit reserves analyst time — credited in full when you enroll.
1Activate SmartCredit so we can review and track all three bureaus for $1.
2Every item decoded, every violation flagged, a realistic projection documented.
3Your first certified-mail disputes hit all three bureaus within three days.
4Furnisher pressure, method-of-verification demands, and closeout — with escalation on tap.
5Deletions post, your score recovers, and we point you to the right builder tools.
6Individual results vary. Testimonials reflect individual experiences and are not a guarantee of any outcome.
The full protocol — all four rounds, all three bureaus, escalation included.
$50 consultation deposit — credited in full toward enrollment. Full pricing ›
Book your consultation — the $50 deposit is credited in full when you enroll.