Credit HelpOur ProgramEnroll NowSign InHomeCredit HelpOur Program Enroll Now Sign In HomeCredit HelpOur Program Enroll Now Sign In We Understand How Confusing The Credit World Can Be.Are you having trouble getting approved for a loan?When trying to get a loan, your credit history and score are key to getting a great rate. For those with a credit history, credit scores can range from 300 up to a perfect 850. However, negative items can lower those scores and come back to haunt people once they start applying for loans. That's where we step in to dispute inaccuracies and errors on your credit report to help you secure the loan you need.Let us be your helping handEnroll TodayOr call us at (800) 607-1230 Let Us Assist You In Credit RepairDerogatory Items HurtDerogatory items on your credit report have a negative impact on your credit score. Items such as late payments, unpaid bills, collections, bankruptcies, repossessions, and other debt can quickly swamp an otherwise great credit score. Think of these as anchors that drag your score down.We Challenge InaccuraciesWe challenge the credit bureaus to remove inaccurate and illegitimate derogatory items from your credit report. Each month we leverage the Fair Credit Reporting Act to help our clients get the credit score they rightfully deserve. Our team believes that everyone deserves access to fair credit.Bad Credit Is More Common Than You ThinkRepossesions•Late Payments•Medical Debt•Student Debt•Credit Card DebtNegative items on your credit report can impact you longer than you may think. Many items stay on your credit report for seven (7) full years and prevent you from maximizing your score. It's important to be proactive when there are items that can, and should, be removed so you can ensure these derogatory items don't impact you now and in the future. We can be of assistance by using the Fair Credit Reporting Act to dispute these items with the credit bureaus.How the Credit Dispute Cycle Works.The dispute cycle is the core rhythm of the dispute process. To file a dispute, one must send a letter to each credit bureau challenging inaccuracies on their credit report. As per the Fair Credit Reporting Act, bureaus have thirty (30) days to respond to a challenge. So you can think of one round in the cycle being between 30 and 45 days, since mailing transit times can come into play. Each month presents an opportunity to complete a round in the process that can ultimately deliver the accurate and rightful credit report one deserves.

AnalyzeDraftSendListen We analyze your credit report, make decisions on which measures to take, and plot a plan of action for the month.We then draft disputes (and/or other letters) to be sent out for a round in the cycle. Each situations requires a different level of finesse.We send out disputes, letters, and take other actions as necessary. Each dispute is mailed, for maximum results.We wait for the credit bureaus to respond each month, using soft pulls to check the status of disputed items.

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