Every active dispute, its status, and what happens next — updated as responses come in.
No mystery, no jargon. Here's exactly what happens after you sign up — and what you'll see along the way.
Lenders don't all report to the same bureau, so fixing one report isn't enough. We work Equifax, Experian, and TransUnion simultaneously — plus direct creditor interventions when a furnisher is the problem.
We review your credit with you by phone, identify what's disputable, and quote your exact plan. You decide — zero pressure.
Within days of enrolling, tailored disputes go out. Bureaus generally must investigate and respond within about 30 days.
Anything not resolved gets escalated: validation demands, creditor interventions, and re-disputes with new grounds.
Monthly refreshed reports and scores show your progress. When you're happy, you simply stop — no exit fees.
Every active dispute, its status, and what happens next — updated as responses come in.
All three reports and scores, refreshed monthly, with before-and-after tracking.
A running log of every letter sent, response received, and item removed. Total transparency.
The evaluation is free and takes about 15 minutes by phone.
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