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Services

Everything we do to a credit report, in plain terms.

Eighteen services, one engine. Each one names the law it runs on, who it is for, and which plan includes it. If your report does not need a service, we will not sell it to you.

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47-point credit report analysis

Every tradeline on all three reports, checked field by field.

We pull Equifax, Experian, and TransUnion and run each account through 47 Metro 2 checks: status code against payment rating, balance against limit, date of first delinquency across bureaus, re-aged accounts, duplicate collections, inquiries without permissible purpose, personal information that does not match. The output is a dispute map: what to challenge, on which bureau, under which section.

Who it is for
Everyone. It is where every case starts.
Runs on
FCRA § 607(b) reasonable procedures for accuracy
Included in
EssentialsCompleteBeyond

Certified-mail bureau disputes

One letter per bureau, every item under the section that governs it.

No online portals and no generic forms. Each letter demands verification through a documented Method of Verification and deletion of anything the bureau cannot verify. Letters cite the current enforcement record against that bureau and travel USPS Certified Mail with Return Receipt so the 30-day clock has a signature on it.

Who it is for
Anyone with inaccurate, unverifiable, or outdated items.
Runs on
FCRA § 611(a)
Included in
EssentialsCompleteBeyond

30-day deadline enforcement

The clock starts on delivery. Day 31 is an escalation, not a shrug.

The engine anchors every deadline to the USPS delivery signature and watches it. A missed deadline or a response without a Method of Verification triggers the next letter automatically. Bureaus count on you forgetting the date. We do not.

Who it is for
Everyone.
Runs on
FCRA § 611(a)(1)(A) and § 611(a)(6)
Included in
EssentialsCompleteBeyond

Method of Verification demands

When they say 'verified', we ask how.

A bureau that verifies an item must, on request, describe the procedure it used, including the name, address, and phone number of every furnisher it contacted. Most 'verified' responses are an automated code match that cannot survive this demand.

Who it is for
Anyone whose first dispute came back 'verified'.
Runs on
FCRA § 611(a)(6)(B)(iii)
Included in
CompleteBeyond

Debt validation to collectors

Collectors must prove the debt before they collect or report it.

A written validation request under the FDCPA requires the collector to stop collection until it mails verification. We demand the chain of title, the original signed agreement, and an itemized accounting. Collectors that cannot produce them usually stop reporting.

Who it is for
Anyone with collection accounts.
Runs on
FDCPA § 809, 15 U.S.C. § 1692g
Included in
CompleteBeyond

Direct furnisher disputes

The creditor has its own duty to investigate. We use it.

Once a bureau forwards a dispute, the furnisher must conduct its own investigation and correct what it cannot verify. We also dispute directly with the furnisher, which opens a second statutory duty and a second set of potential violations.

Who it is for
Charge-offs, late payments, and accounts still with the original creditor.
Runs on
FCRA § 623(a)(8) and § 623(b)
Included in
CompleteBeyond

Collections removal

Our highest-deletion category.

Debt-buyer collections change hands with thin documentation. We challenge chain of custody, dates of first delinquency, balances that grew after charge-off, and duplicate reporting of the same debt by the original creditor and the collector.

Who it is for
Anyone with collections, paid or unpaid.
Runs on
FCRA § 611, FDCPA § 809
Included in
CompleteBeyond

Late payment disputes

One 30-day late can cost 100 points. The record has to be exact.

We audit the payment history grid month by month against the account's status and dates. A late that conflicts with the status code, the date of first delinquency, or the other bureaus' records is disputed on those grounds.

Who it is for
Anyone with isolated lates on otherwise good accounts.
Runs on
FCRA § 611(a), § 623(b)
Included in
EssentialsCompleteBeyond

Charge-off disputes

Balance, status, and date must agree. They rarely do.

Charge-offs are often reported with a balance that keeps growing, a date of first delinquency that has been re-aged, or a status code that contradicts the payment rating. Each conflict is a field-level inaccuracy and grounds for deletion.

Who it is for
Anyone with charged-off cards or loans.
Runs on
FCRA § 605(c), § 611(a)
Included in
CompleteBeyond

Hard inquiry removal

No permissible purpose, no inquiry.

We identify inquiries that were not authorized or that were pulled without a permissible purpose and dispute them with the bureau and the creditor. Unauthorized pulls can also be a violation with statutory damages.

Who it is for
Anyone with inquiries they did not authorize.
Runs on
FCRA § 604, § 616
Included in
CompleteBeyond

Medical debt sweep

Most medical collections should not be on your report at all.

Under the bureaus' own policies, paid medical collections and medical collections under $500 are removed. We audit for what remains, dispute it under the policy and the FCRA, and validate the collector.

Who it is for
Anyone with medical collections.
Runs on
Bureau policy (2022 to 2023), FCRA § 611
Included in
EssentialsCompleteBeyond

Identity and mixed-file correction

Accounts that are not yours, names and addresses that are not yours.

Mixed files happen when the bureau matches on partial data. We dispute every account and identifier that does not belong to you, demand deletion, and where fraud is involved, file the identity theft block that requires removal within four business days.

Who it is for
Anyone seeing accounts, names, or addresses they do not recognize.
Runs on
FCRA § 605B, § 611
Included in
CompleteBeyond

Bankruptcy and public record review

Discharged means zero. We make the record say so.

Accounts included in a discharged bankruptcy must report a zero balance and the discharge status. Bankruptcies themselves are checked for dates and status errors. Judgments and liens should no longer appear at all.

Who it is for
Anyone with a bankruptcy on file.
Runs on
FCRA § 605(a), White v. Experian injunction
Included in
CompleteBeyond

CFPB and Attorney General complaints

A regulator on the record changes how a bureau answers.

When a bureau misses a deadline or rubber-stamps a response, we file a formal complaint with the Consumer Financial Protection Bureau and the state Attorney General, citing the letters, tracking numbers, and the specific duty breached. The bureau must respond to the regulator in writing.

Who it is for
Any case where the first two rounds did not resolve an item.
Runs on
12 U.S.C. § 5493, FCRA § 611
Included in
CompleteBeyond

Pre-suit demand letters

When violations stack up, we put a number on them.

Repeated non-compliance is itemized: each missed deadline, each verification without a method, each reinsertion without notice. The demand cites statutory damages of $100 to $1,000 per willful violation plus actual damages, and gives a delivery-anchored deadline to settle by deletion.

Who it is for
Cases with a documented pattern of violations.
Runs on
FCRA § 616 and § 617
Included in
CompleteBeyond

Attorney referral

Some files are lawsuits. We know who takes them on contingency.

If a bureau or furnisher has created real damages, we assemble the case file (letters, receipts, responses, violations log) and refer it to consumer-rights attorneys who take FCRA cases on contingency. You pay nothing to be referred.

Who it is for
Files with damages: denied mortgages, higher rates, wrongful reporting after dispute.
Runs on
FCRA § 616, § 617
Included in
CompleteBeyond

Goodwill letter campaigns

For accurate lates on accounts you kept in good standing.

Accurate information cannot be disputed, but a creditor can choose to remove a late as a courtesy. We write and send goodwill requests to the right department with the right framing, and track responses.

Who it is for
Clients with accurate, isolated lates and otherwise clean history.
Runs on
Creditor discretion
Included in
Beyond

Credit strategy and coaching

From clean to approved.

A 60-minute session and a written plan: utilization targets, which accounts to open or close, how to sequence a mortgage or auto application, and how to protect the file after the disputes are done. Two follow-ups included in Credit and Beyond.

Who it is for
Homebuyers and anyone with a specific approval in mind.
Included in
Beyond
A woman reviewing documents beside a laptop at her kitchen table

What we will not do

  • Dispute information we know is accurate, or tell you to.
  • Promise a score, a deletion, or an approval.
  • Use online dispute portals, which waive rights and create no record.
  • Keep you on a monthly plan when the work is done.
  • Sell or share your documents, your credentials, or your data.
See which plan includes what

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.

Get started
Or start the free assessment (425) 610-7779

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