Our proven FCRA-compliant dispute process has helped hundreds of clients remove inaccurate negative items and rebuild their credit. Professional results without the professional price tag.
Our streamlined process makes improving your credit simple and stress-free
Sign up and complete your profile. Upload your credit report or let us pull it for you.
We analyze your credit report and identify all negative items that can be disputed.
We generate professional dispute letters tailored to each negative item using proven strategies.
Monitor your disputes in real-time and watch your credit score improve month after month.
We use multiple FCRA-compliant strategies to maximize your results
If you've been a victim of identity theft, we can block fraudulent accounts from your credit report within 4 business days. This is the fastest method available.
The traditional 3-round dispute process. We challenge inaccuracies, demand verification, and escalate when bureaus fail to respond properly.
For victims of human trafficking, we can block negative items resulting from trafficking activity. Strict documentation required but highly effective.
When bureaus don't respond properly, we file complaints with the Consumer Financial Protection Bureau to force compliance.
We escalate to your state's Attorney General when federal complaints don't produce results.
For willful violations, we document everything needed for potential FCRA lawsuits seeking damages up to $1,000 per violation.
Using the latest FCRA updates and compliance strategies for maximum results
Automated dispute cycling every 40 days. Most people stop after Round 1—we keep attacking until items are removed.
Reference specific Metro 2 data format requirements that bureaus must follow. Non-compliance = deletion.
When bureaus report different info for the same account, that's a high-priority error under 2026 FCRA rules.
Dispute with LexisNexis, Innovis, and CoreLogic—not just the big 3. More pressure = faster results.
When bureaus don't respond properly, we auto-generate CFPB complaints with all required documentation.
Wrong addresses, names, SSNs create fragmented files. Clean these FIRST for 30-50% better dispute success.
Never miss a response deadline. We track FCRA timelines and alert you when bureaus are overdue.
AI-powered dispute letters with embedded documents, proper formatting, and legal citations.
If it's inaccurate, unverifiable, or incomplete - we can help remove it
Transparent pricing with no hidden fees—pick the plan that fits your needs
FREE to start, then $49/month
Best for: Those who want to learn and do it themselves
+ $129.99/month • Cancel anytime
Best for: Those who want us to handle everything
Complete identity theft solution
Best for: Identity theft victims
If we don't remove at least one negative item in 90 days, you get a full refund. No questions asked.
Yes! Under the Fair Credit Reporting Act (FCRA), you have the legal right to dispute any inaccurate, incomplete, or unverifiable information on your credit report. Our Consumer Coach Program uses this federal law to help you exercise your rights.
Most clients see results within 30-45 days. The full Consumer Coach Program typically takes 3-6 months depending on the complexity of your case. Identity theft blocks can be completed in as little as 4-10 business days.
If you have inaccurate, incomplete, or unverifiable items on your credit report, we can help. We've successfully removed collections, charge-offs, late payments, inquiries, bankruptcies, and more. Our success rate is over 95%.
You'll need: Government-issued ID (front and back), Social Security card, Proof of current address (utility bill or bank statement within 60 days), and your credit reports. For identity theft cases, you'll also need an FTC Identity Theft Report.
When bureaus fail to respond within legal deadlines, we escalate to the Consumer Financial Protection Bureau (CFPB) and state Attorney General. Continued violations can result in federal lawsuits with damages up to $1,000 per violation.
Absolutely! You have the legal right to dispute items yourself. However, our DIY package provides professional templates and guidance at a fraction of the cost of full service. Many clients find our tools save them time and increase success rates.
Start your free credit analysis today. No credit card required.
Have questions? We're here to help you navigate your Consumer Coach journey.
6132 Lansdowne Ave
Philadelphia, PA 19151
Mon – Fri: 9:00 am – 6:00 pm EST
Sat: 10:00 am – 2:00 pm EST