How It Works

From signup to results, here is exactly how we repair your credit using federal consumer protection law.

Step 1

Sign Up & Pay

Complete our secure onboarding form with your personal information, upload your government-issued ID, and make your one-time $999 payment. We immediately begin working on your case.

  • Secure online form with encrypted data handling
  • Upload driver's license and SSN card for identity verification
  • One-time payment -- no recurring charges or hidden fees
  • You receive a confirmation email with your case details
Step 2

Credit Report Analysis

We pull your credit reports from all three bureaus and run our comprehensive 47-point Metro2 inaccuracy scan. Every account, balance, date, status code, and personal detail is audited for accuracy.

  • 47-point Metro2 field-level audit on every tradeline
  • Cross-bureau consistency check (Equifax, Experian, TransUnion)
  • DOFD re-aging detection and reporting window verification
  • Medical debt sweep for automatic removal eligibility
  • Status code vs. payment rating mismatch identification
Step 3

Dispute Letters Sent

We generate legally precise dispute letters citing specific FCRA sections, court cases, and current regulatory actions. Every letter is sent via USPS Certified Mail with Return Receipt to create federal proof of delivery.

  • Separate letters to Equifax, Experian, and TransUnion
  • Debt validation letters to collectors under FDCPA Section 809
  • Every letter references specific inaccuracies from our scan
  • USPS Certified Mail creates the statutory deadline clock
  • We never use online dispute portals -- certified mail only
Step 4

Track & Escalate

We monitor every 30-day investigation deadline. When bureaus fail to respond on time or rubber-stamp their response, we escalate immediately with Method of Verification demands, CFPB complaints, and Intent to Sue letters.

  • Automated 30-day deadline tracking for every dispute
  • Method of Verification demand if bureau responds 'verified'
  • CFPB complaint filed on day 31 if no response received
  • Direct furnisher disputes under FCRA Section 623
  • SMS and email notifications on status changes
Step 5

Results & Next Rounds

As items are removed, we pull updated reports and repeat the process for anything remaining. Each round builds stronger legal arguments using the bureau's own responses as evidence of non-compliance.

  • Updated credit report analysis after each round
  • Round 2: Method of Verification demands (15-day deadline)
  • Round 3: Sworn affidavit + direct furnisher dispute
  • Round 4: Full escalation (CFPB, Intent to Sue, BBB)
  • Final report showing all items removed and score improvement

Ready to Get Started?

Complete our onboarding form and we will begin your credit report analysis immediately.

Start Your Credit Repair