Our Credit Repair Services
We leverage federal consumer protection laws to systematically challenge and remove every inaccurate negative item on your credit report.
What We Fix
Every type of negative item on your credit report has specific legal vulnerabilities we exploit.
Collections
Debt validation demands, chain of custody challenges, DOFD re-aging detection, and duplicate collection identification to force removal of unverifiable collection accounts.
Late Payments
Dispute specific reporting month accuracy, verify forbearance periods, audit Metro2 payment history fields, and pursue goodwill adjustments with creditors.
Charge-Offs
Status code vs. payment rating mismatch attacks, post-sale balance verification, and charge-off date accuracy challenges across all three bureaus.
Hard Inquiries
Challenge permissible purpose under FCRA Section 604, demand proof of written authorization, and remove inquiries older than two years or made without consent.
Bankruptcies & Public Records
Ensure discharged debts show $0 balance per White v. Experian, verify reporting windows, and confirm all included accounts reflect proper discharge status.
Medical Debt
Automatic removal for paid medical collections, accounts under $500, debts less than one year old, and all medical debt in the 15+ states that ban medical debt reporting.
Our 4-Round Process
Each round builds on the last, creating escalating legal pressure until items are removed.
Initial Dispute (609/611)
We send detailed dispute letters via USPS Certified Mail to each bureau citing FCRA Section 611(a). Each letter includes specific inaccuracies identified in our 47-point scan, supporting documentation, and references to current regulatory actions against the bureaus.
Expected: 30-40% removal rate
Method of Verification Demand
After a bureau responds with "verified," we demand exactly how they verified under FCRA Section 611(a)(6)(B)(iii). The bureau has just 15 days to respond. Approximately 35% fail to respond at all, creating a separate FCRA violation and grounds for deletion.
Expected: 20-30% additional removal
Affidavit + Direct Furnisher Dispute (623)
We send a sworn notarized affidavit of inaccuracy directly to the furnisher, bypassing the bureau entirely. Under FCRA Section 623(b), the furnisher has an absolute duty to investigate -- they cannot dismiss the dispute as frivolous.
Expected: 10-20% additional removal
Escalation
We file CFPB complaints, send Intent to Sue letters with detailed damages calculations, and submit BBB complaints. We document the bureau's pattern of non-compliance across all rounds as evidence of willful noncompliance under FCRA Section 616.
Expected: Remaining items under regulatory pressure
Backed by Federal Law
Every dispute letter we send is grounded in specific federal statutes and recent regulatory actions.
Fair Credit Reporting Act (FCRA)
Requires bureaus to investigate disputes within 30 days, provide method of verification, and delete unverifiable information. Violations carry $100-$1,000 per incident in statutory damages.
Fair Debt Collection Practices Act (FDCPA)
Gives consumers the right to demand debt validation within 30 days. Collectors must cease collection until they provide proof. Violations carry up to $1,000 per action.
CFPB Enforcement Actions
Equifax is under a 2025 consent order for dispute handling failures. Experian faces an active federal lawsuit for sham investigations. We cite these actions in every dispute letter.
Simple, Transparent Pricing
One flat fee. No monthly charges. No hidden costs.
Complete Credit Repair
$999
One-time payment
- Full 47-point Metro2 inaccuracy scan across all 3 bureaus
- Up to 4 rounds of dispute letters (all 3 bureaus per round)
- USPS Certified Mail with Return Receipt for every letter
- Direct furnisher disputes under FCRA Section 623
- Debt validation letters to collectors under FDCPA Section 809
- Method of Verification demands
- 30-day deadline tracking and enforcement
- CFPB complaint filing when bureaus fail to comply
- Intent to Sue letters with damages calculations
- Dedicated case management through NocoDB dashboard
- SMS and email status updates throughout the process
- Medical debt sweep (easiest wins identified first)