How it works
Ninety days, eight steps, nothing hidden.
Here is exactly what happens from the day you call to the day a file closes, including what we need from you and when.
- 01
Day 0
Free assessment and a straight answer
You tell us where your score is and what you need it for. We look at what you describe and tell you whether disputing is worth your money. If your report is accurate, we say so and you keep your $897.
- 02
Day 1
Sign up: fifteen minutes, once
In your client portal you sign the contract, receive the disclosures, upload an ID and proof of address, and connect the three-bureau monitoring account we work from. Documents are encrypted the moment they land.
- 03
Days 1 to 3
The 47-point scan and the dispute map
The engine checks every tradeline on every bureau, field by field. You get a dispute map: what we will challenge, where, and under which section. You can ask about any item before a letter goes out.
- 04
Days 3 to 5
Round 1 goes certified
One letter per bureau, one letter per collector where validation applies. A person reviews each letter, then it prints, mails USPS Certified with Return Receipt, and the tracking number attaches to your file.
- 05
Days 6 to 40
The clock runs from delivery
The bureau has 30 days from the delivery signature. Responses come to your mailbox. You photograph them, our intake reads them, and every item is marked deleted, verified, or updated.
- 06
Days 40 to 75
Round 2: show your work
Anything 'verified' without a documented method gets a Method of Verification demand and a direct furnisher dispute. A missed deadline gets a CFPB complaint the same week.
- 07
Days 75 to 110
Round 3 and escalation
Sworn declaration, furnisher dispute, state Attorney General complaint, and where violations have stacked, a pre-suit demand with damages itemized. Files with real damages are assembled for attorney referral.
- 08
After every round
Progress report and next steps
What was sent, what was deleted, what each score did on each bureau, what happens next. Then we run the next round or close the file with a strategy plan for keeping it clean.
What you will need from your end
Have these ready and signing up takes about fifteen minutes. Nothing else is asked of you until responses start arriving in your mailbox.
Personal details
- Full name, email, mobile
- Current mailing address
- Date of birth
- Last four of your Social Security number
Identity documents
- Government photo ID
- Proof of address dated within 60 days
- One SSN verification document (card, W-2, or SSA-1099)
Report access
- A three-bureau monitoring account (IdentityIQ, $1 trial)
- You keep the login; we store it encrypted
Payment
- Debit or credit card
- Three-payment option on Credit Complete
Why we never use the online portals
The bureaus' dispute websites are built to resolve disputes quickly, not correctly. Submissions are compressed into a two-digit reason code, the furnisher answers by automated match, and there is no delivery record and no signature. A certified letter creates a record, a deadline, and a duty. Everything we do afterward depends on that record existing.
See the engine that runs it
Ready when you are.
Choose a plan and we will email you the moment online enrollment opens, or call (425) 610-7779 and we will get you started today. Rather talk it through first? Start the free assessment and a person calls you.