Proudly based in Staten Island — serving all five boroughs and clients nationwide by phone
Nothing here is sold à la carte with a fee collected upfront — CROA doesn't allow that. Each service is part of one documented case built around your report.
We pull your report from all three bureaus and review it line by line — every account, inquiry, and public record — to flag what's inaccurate, unverifiable, duplicated, re-aged, or simply outdated.
Every dispute is a written letter citing the specific FCRA basis for the challenge — not a boilerplate paragraph. We track each one against the bureau's 30-day investigation window.
We walk you through what's actually driving your score — utilization, payment history, account age — and what's genuinely in your control going forward, separate from anything we're disputing.
As bureaus respond, we explain what each outcome means and what happens next — including how to escalate if a bureau misses its statutory deadline.
We pull your report from all three bureaus and review it line by line — every account, inquiry, and public record — flagging what's inaccurate, unverifiable, duplicated, re-aged, or outdated.
Each dispute is an individualized written letter citing the specific FCRA basis for the challenge, sent to bureaus and, where relevant, furnishers, and tracked against the bureau's 30-day investigation window under FCRA §611.
No — it complements it. Credit Education covers what's actually driving your score, such as utilization, payment history, and account age, and what's in your control going forward, separate from anything being disputed.
We explain what the outcome means in plain language, provide status updates as responses arrive, and offer re-dispute support or escalation guidance if a bureau misses its statutory deadline.
Start with a free consultation — no upfront cost, no obligation.
