If a question isn't here, ask us directly — we'd rather answer it honestly than have you guess.
Payment history and utilization together make up roughly two-thirds of most scoring models, with account age, credit mix, and new credit making up the rest. Disputing wrong items helps your report's accuracy, but score factors like these are a separate, ongoing thing worth understanding — see our Credit Education page for a full breakdown.
Yes. Disputing inaccurate, incomplete, or unverifiable information on your credit report is a right guaranteed by the Fair Credit Reporting Act. You can do it yourself for free, or have a firm like ours prepare and manage the process for you — either way, it's a legal, well-established right, not a loophole.
No — and any company that promises a specific score increase or guaranteed removal is making a claim the law doesn't allow. We can guarantee that every dispute is properly documented, filed correctly, and tracked against the bureau's deadline. What a bureau ultimately decides depends on your specific accounts and file, not on us.
Bureaus generally have up to 30 days to investigate a dispute under the FCRA (sometimes 45 in certain cases). Some items resolve in one round; others need a second dispute or additional documentation. A realistic full case often runs a few months, not a few days.
Filing a dispute itself does not lower your score — it isn't treated as a hard inquiry or a new account. Your score only changes based on how an item is ultimately reported after the bureau's investigation.
Our standard program is $0 to set up, a $149 initial work fee charged only after your first round of work is completed, and $99/month afterward for a 6-month program that then runs month-to-month with no long-term lock-in. Under CROA, we're not allowed to collect payment before agreed-upon service has been performed, and everything is confirmed in writing before you owe anything. See our Pricing page for the full breakdown.
Yes, and you're always welcome to. Disputing directly with the bureaus costs nothing. Where clients usually come to us is for the time, the documentation process, and knowing which items are actually worth disputing versus accurate ones that won't move.
That's documentable leverage. We track every open dispute against its statutory deadline, and a missed response can be escalated — including, in some cases, to the Consumer Financial Protection Bureau.
Yes. We review the entire report, including how bankruptcies, charge-offs, and collection accounts are being reported — since these are often reported inaccurately even after being discharged or settled.
Your report and personal information are handled only by the team working your case and are never sold or shared for marketing. You can ask us at any time what's on file for you.
Book a free consultation online or call (917) 334-5809. We'll review your report together and tell you honestly whether a dispute case makes sense before anything is signed.
Send it to us directly — no obligation, no sales pitch.