How we delete negative items from your credit report.
No magic. No tricks. Just the federal dispute process, done right, with a dedicated agent who actually knows what they're doing. Here's exactly what happens after you enroll.
The 4-round process
Most negative items aren't removed in a single dispute. The bureaus push back. The data furnishers (collection agencies, banks, etc.) re-verify. So we plan for up to four rounds of escalating disputes, with each round attacking the same items from a new angle.
Enrollment and 3-bureau report pull
You enroll in about 90 seconds at checkout. Within 24 hours your dedicated agent pulls your full reports from Equifax, Experian, and TransUnion and identifies every disputable item, collections, late payments, charge-offs, repossessions, judgments, hard inquiries you didn't authorize, and any obvious bureau errors (wrong addresses, mixed files, identity-theft remnants).
Round 1: custom dispute letters
Your agent drafts custom letters, never templates, citing the specific section of the Fair Credit Reporting Act that requires the bureaus to verify each item (FCRA §611). Letters are mailed certified to each bureau the same week. The bureaus have 30 days by federal law to investigate and respond.
Round 2: method-of-verification challenges
Items the bureaus claim to have "verified" get a follow-up demand: show your work. Under FCRA, the bureau must disclose the method used to verify the item and the source of the verification. Most can't, and items that can't survive a method-of-verification challenge come off.
Rounds 3 and 4: debt validation and creditor escalation
For surviving items, we go after the data furnisher directly with debt-validation letters under FDCPA §809. If a collection agency can't produce the original signed contract or a chain of assignment proving they own the debt, the item must be removed. By day 120, most clients see 5 to 9 deletions per bureau.
What we can dispute
- Collections, medical, credit card, utilities, parking tickets, anything sent to a third-party collector
- Late payments, 30-day, 60-day, 90-day, and 120-day late marks
- Charge-offs, accounts the original creditor wrote off as a loss
- Repossessions, voluntary and involuntary
- Bankruptcies, Chapter 7 and Chapter 13 (limited; bankruptcies are usually verifiable)
- Judgments and tax liens
- Hard inquiries you didn't authorize
- Identity theft remnants, accounts opened in your name without consent
- Bureau errors, wrong addresses, mixed files, duplicate trade lines, incorrect balances
What we can't dispute
Honesty matters more than promises. There are things no credit repair company can legitimately remove:
- Accurate, verifiable, current negative items, if a creditor can prove the debt is yours, the date is right, and the balance is correct, it stays
- Active loan accounts in good standing (we wouldn't want to remove those anyway)
- Public records that are actually accurate, like a real bankruptcy with proper documentation
If a company tells you they can guarantee removal of any item including accurate ones, walk away, that's the textbook definition of a credit repair scam.
What you do during the process
Almost nothing. Most clients invest under one hour total across the 120-day process, usually just signing a limited power of attorney during enrollment so we can communicate with the bureaus on your behalf, plus checking your portal occasionally to see deletions land.
Your dedicated agent handles every letter, every follow-up, and every escalation. You can text or call them directly during business hours.
The money-back guarantee
If you don't see a single deletion or update across the four rounds (days 30-120), every dollar you've paid us is refunded. No forms. No fight. Email us, we wire it back. See full pricing →
Ready to start round 1?
Enroll in 90 seconds. Your agent has your reports within 24 hours.
Start for $47 →