Services
What We Fix
For You
We leverage the Fair Credit Reporting Act, the Fair Debt Collection Practices Act, and active CFPB enforcement actions to systematically challenge and remove every inaccurate negative item on your credit report. One payment. 3 full rounds of escalating legal pressure.
Our Services
Six Ways We Fight For You
Credit Report Analysis
We run a comprehensive 47-point Metro2 audit across all three bureaus — Equifax, Experian, and TransUnion. Every tradeline is examined for status code mismatches, balance inaccuracies, DOFD re-aging, ECOA code errors, and 41 additional data points that most consumers and even many credit repair companies overlook entirely.
47 data points checked per tradeline
Custom Dispute Letters
Every letter we send is written from scratch for your specific situation. We cite exact FCRA sections, relevant court decisions like Cushman v. Trans Union and Johnson v. MBNA, and current CFPB enforcement actions. No templates. No AI-generated filler. Every sentence has a legal purpose.
100% custom — zero templates
30-Day Deadline Enforcement
Federal law gives bureaus exactly 30 days to investigate your dispute. We track every single deadline and escalate on day 31 if they miss it — filing CFPB complaints that create permanent regulatory records against the bureau.
Zero missed deadlines
Escalation to Regulators
When bureaus ignore disputes or rubber-stamp their responses, we escalate. CFPB formal complaints, Attorney General consumer protection division complaints, and Intent to Sue letters with itemized damages calculations.
4 escalation channels used
Collections Removal
Collections are our highest-removal category. We challenge chain of custody documentation, demand original signed agreements, verify dates of first delinquency, and identify duplicate collection reporting across bureaus.
#1 category for removals
Identity Error Correction
Mixed credit files affect 1 in 5 consumers. We identify accounts belonging to someone else, challenge incorrect personal information, and demand removal of every tradeline that cannot be verified as yours.
1 in 5 reports contain mixed files
Our Process
3 Rounds of Escalating Pressure
Each round builds on the last, creating a documented pattern of bureau non-compliance that strengthens your legal position with every cycle.
1Round 1Initial Analysis & First Disputes
Initial Analysis & First Disputes
We pull your credit reports from all three bureaus and run our 47-point Metro2 inaccuracy scan. Every error we find becomes a separate dispute. We then draft legally precise dispute letters citing specific FCRA sections, relevant case law, and current regulatory actions against each bureau. Every letter goes out via USPS Certified Mail with Return Receipt — creating a federal paper trail and starting the statutory 30-day investigation clock.
2Round 2Response Review & Re-Disputes
Response Review & Re-Disputes
After the bureaus respond, we analyze every result. For items marked "verified," we send Method of Verification demands under FCRA Section 611(a)(6)(B)(iii) — the bureau has just 15 days to explain exactly how they verified. Approximately 35% fail to respond at all, creating a separate FCRA violation. For items that remain, we send re-dispute letters with new legal arguments and additional evidence.
3Round 3Escalation to CFPB & Attorney General
Escalation to CFPB & Attorney General
Items that survive two rounds of disputes face escalation. We file formal CFPB complaints documenting the bureau's pattern of non-compliance across all previous rounds. We submit sworn notarized affidavits of inaccuracy directly to furnishers under FCRA Section 623(b), bypassing the bureau entirely. We also file complaints with the relevant state Attorney General consumer protection divisions.
4Round 4Intent to Sue & Final Resolution
Intent to Sue & Final Resolution
For any items still remaining, we send Intent to Sue letters with detailed damages calculations under FCRA Section 616 (willful noncompliance) and Section 617 (negligent noncompliance). These letters document every violation across all rounds — missed deadlines, failure to provide method of verification, pattern of sham investigations — and calculate statutory damages of $100-$1,000 per violation plus actual damages and attorney's fees.
Legal Foundation
Backed by Federal Law
Fair Credit Reporting Act
- §Section 611 — Right to dispute any inaccuracy. Bureau must investigate within 30 days.
- §Section 611(a)(6)(B) — Bureau must provide method of verification within 15 days of request.
- §Section 623(b) — Furnisher duty to investigate when disputed directly by consumer.
- §Section 616 — Willful noncompliance: $100-$1,000 per violation plus punitive damages.
Fair Debt Collection Practices Act
- §Section 809(b) — Right to demand debt validation within 30 days. Collector must cease collection until verified.
- §Section 807 — Prohibits false or misleading representations, including reporting unverified debts.
- §Section 813 — Violations carry up to $1,000 per action in statutory damages plus attorney's fees.
CFPB Enforcement
- ●Equifax Consent Order (2025) — Under federal supervision for systemic dispute handling failures.
- ●Experian Federal Lawsuit — CFPB active litigation for conducting sham reinvestigations.
- ●247% Complaint Increase — CFPB reports dramatic rise in incorrect-information complaints against all three bureaus.
$897
One Payment. Everything Above. Included.
3 full rounds of disputes across all three bureaus. Certified mail. CFPB escalation. Intent to Sue letters. No monthly charges. No hidden fees. No upsells.