Tri-bureau review
Equifax, Experian and TransUnion read line by line. The three files often disagree, and the differences matter.
Services
Done for you, or taught to you.
Both tracks work on the same problem from different directions. Neither one is a shortcut, and neither one promises a number.
Track one — done for you
Dispute services
We review your credit reports, identify entries that appear inaccurate, incomplete or unverifiable, and handle the dispute correspondence for you.
Written disputes
Properly formed disputes to the bureaus and, where appropriate, directly to the furnisher reporting the entry.
Follow-through
Investigation results tracked, responses read, and next steps decided cycle by cycle rather than fired blindly.
Plain-language updates
You get told what happened and what it means, without the jargon that makes this industry hard to evaluate.
Documentation
Copies of what was sent and what came back, so you have a record independent of us.
An exit plan
When disputes have run their course we tell you. Open-ended engagements that bill forever are the industry's worst habit.
Before you engage us
You have the right to dispute credit report information yourself, for free, without paying anyone. You also have the right to cancel your contract with us within three business days at no charge, and we cannot collect payment before services are performed. These are your rights under federal law, not concessions we are making.
Track two — self-guided
Education & coaching
The same process, taught rather than performed. Slower at the start, and the only version where you keep the capability afterwards.
01
Reading your own report
Where to pull all three files at no cost, how they are laid out, and how to spot the entries worth questioning.
02
Writing a dispute that lands
What a dispute must contain, what to attach, where to send it, and what the bureau is actually obligated to do once it arrives.
03
Reading the response
What "verified" means, what to do when an investigation comes back unchanged, and when escalating is worth your time.
04
Building the score
Utilisation, payment timing, account age and mix — which levers exist, and roughly what each is worth.
Which track fits?
Choose dispute services if…
- Your file has a lot of entries to work through
- You are short on time more than money
- Correspondence and follow-up is not something you want to manage
- You have tried disputing before and stalled
Choose education if…
- You would rather learn the process than outsource it
- Your file has a handful of issues, not dozens
- Budget matters more than speed
- You expect to need this knowledge again
Not sure? That is what the consultation is for. We will tell you which one we think fits, including when the answer is neither.
Start with a look at your actual file.
A free consultation, no obligation, and an honest read on whether we can help. If your report is clean and the issue is something else, we'll tell you that.