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Bad credit is quietly deciding what house you can buy, what car you can drive, and whether your business gets funded. We remove what shouldn't be on your report and build what should, so the answer finally changes from "sorry, not yet" to "approved."
Based on internal member data, 2024–2026. Individual results vary and depend on the items on your report.
The house you keep driving by. The business you almost started. The car payment that's $212 too high. None of this is about how hard you work. It's a three-digit number deciding for you. Let's change the number.
Extra interest on a 30-year mortgage at a 580 score vs 760. Money that should have been your retirement.
The APR you pay on a car loan with sub-620 credit. Same car, same income, different score.
Of employers pull credit before a hire or promotion. What's your report saying about you?
More on auto insurance every year. For as long as your score stays where it is.
Figures are illustrative industry averages (CFPB, FICO, Consumer Reports 2023–2025) and are not specific predictions for any individual.
Most credit repair companies send letters the bureaus have already seen 10,000 times. That's why nothing happens. We dispute at the data-reporting standard furnishers are legally required to follow. That's why members see their first results in cycle one.
Based on internal member data. Individual results vary. No company can legally guarantee the removal of specific items.
The average American credit report has seven errors costing hundreds of points. We hunt yours down, audit them against the CDIA Metro 2 Format, and file disputes the bureaus can't dismiss as frivolous.
A clean report is step one. Lenders want to see active, well-managed credit. We engineer the mix, utilization, and tradeline positioning that turns a clean report into an approved application.
When a furnisher digs in, we dig harder. Method-of-verification demands, CFPB complaints, state AG escalations, and when it comes to that, a handoff to an FCRA attorney in our referral network.
Why most credit repair fails. Most companies send "I don't recognize this" letters. The bureaus dismiss them in 15 seconds. We dispute against the actual reporting standard (Metro 2) that furnishers are legally required to follow. It's the difference between knocking on the door and showing up with a warrant.
Show me what you'd removeNot cropped for Instagram. Not cherry-picked. Just members who were told "no" by banks before they called us, and "approved" after.
"Closed on my first house last month at 3.1%. Three years ago a secured card wouldn't approve me. My wife cried when the keys landed in my hand. Still can't believe it's real."
"Eleven collections gone in the first 90 days. I refinanced my car and now put $212 back into my account every month. Program paid for itself before I was even done."
"The score jump unlocked a $75K line of credit for my LLC. No magic, no tricks. Just a team that knew exactly which levers to pull and in what order."
Testimonials reflect the real experiences of past members. Last names withheld for privacy. Score changes, dollar amounts, and timelines vary based on the items on your report and the response of furnishers and bureaus. Not a guarantee of similar results.
Be mortgage-ready before you even open Zillow. No more rejection letters.
Walk in with leverage. Walk out with a rate you didn't have to argue for.
Unlock business lines of credit, SBA loans, and vendor terms. See our business credit program
After divorce, bankruptcy, or a hard year, start clean. You're not your past.
D-U-N-S Number registration, vendor tradelines that report to all three business bureaus, bank rating optimization, and an SBA-ready borrower file. So your LLC can finally borrow on its own name, not yours.
In 20 minutes we'll show you every item on your report that's silently costing you points, interest, and approvals. No pressure. No cost. No card on file.
You tell us the goal (approval, lower APR, business funding, or just peace of mind). We build the Metro 2 backed strategy to get you there and show you every move before we make it.
Log in anytime to see what's been disputed, what's been removed, and what's next. Most members see their first win in 30–45 days.Timeline varies based on your report and furnisher response.
Because the approach is different. Most companies send "I don't recognize this" letters the bureaus auto-dismiss. We dispute on Metro 2 compliance, which is the data-reporting standard furnishers are legally required to follow. Members who spent eight months with another company and zero removals often see their first removal with us in cycle one. Not because we're magic. Because most of the industry is lazy and we're not.
Most members see their first removals within 30–45 days of the first dispute cycle. The full program usually runs 4–8 months depending on how many items are on your report and how hard the furnishers push back. If you're trying to close on a house, call us first. We'll tell you honestly whether the timeline works for your deadline.
Completely legal. The Fair Credit Reporting Act gives you the right to dispute anything on your report. The edge is Metro 2 compliance. We dispute at the technical reporting standard the bureaus and furnishers can't dismiss out of hand. Most consumers and most DIY dispute letters don't even know that standard exists.
No legitimate credit repair company can legally guarantee specific removals, and you should walk away from anyone who tells you otherwise. What we guarantee is process: aggressive, compliant, documented disputes, and full transparency in your member portal. Every move, every response, every win.
Your first analysis is free. No card on file. After that, we work month-to-month. No long contracts, cancel anytime, no charge for work we haven't completed. We'll walk through pricing on your free consultation once we actually see what's on your report.
No. Sending disputes doesn't lower your score. It's a federal right. Scores typically move up as items are removed. A temporary dip can happen if a positive account is corrected, but it's rare and usually recovers within one cycle.
Drag your current score, check the items that are dragging you down, and watch a realistic projection update in real time. This is an estimate, not a promise.
Score impact figures are illustrative estimates based on typical FICO reactions to each item type and do not reflect actual FICO scoring formulas. Real-world score movement depends on your complete credit profile, including payment history, account age, credit mix, and recent activity. Mortgage APR assumptions are based on average 30-year fixed-rate data by FICO tier and are not a rate offer. This tool is for educational purposes only and is not a guarantee, prediction, or commitment of any kind.
The house. The rate. The approval. The interest you keep overpaying. It's all decided by a number you can change. Your first analysis is free and takes 20 minutes. If we can't help, we'll tell you that too.