Every claim on the record.Nothing on trust.
Most credit repair asks you to believe it happened. This runs the dispute so that each step leaves something you can hold up: the file as it arrived, the letter as it was signed, the receipt with a date and a signature on it, and the report before and after.
- Mailed
- 03 Jun 2026
- Delivered
- 06 Jun 2026 09:14
- Signed by
- R. ORTIZ
- Response due
- 06 Jul 2026
Illustration of the record a completed round produces. Not a customer file.
Credit Repair
Dispute rounds against the bureaus and furnishers, mailed certified, with the report diffed round over round.
Billed after a round completes.
Open→BusinessBusiness Credit
A seven step program to build a business credit profile separate from your personal file, with vendor sequencing and document readiness.
Purchased up front.
Open→OngoingCredit Monitoring
Tri bureau reports and scores on a schedule, with alerts when something on your file changes.
Monthly subscription.
Open→Five steps, each one leaving a record behind it.
- 01raw payload retained · parser version recorded
Your report arrives whole
The original file is stored exactly as it came in, before anything reads it. Every later version is kept beside it, never on top of it.
- 02flags cite the field they came from
The audit names what is disputable
Each item is checked against the report itself: dates that disagree between bureaus, balances that moved without a payment, accounts reported after the seven year window.
- 03consumer authored · consumer signed
You assert the facts
You choose the items and state what is wrong. The letter is composed from those statements and from a reviewed library of statutory citations. It cannot introduce a fact you did not give it.
- 04USPS return receipt stored
It goes certified
First class certified with return receipt. Delivery date and the signature come back into the file automatically.
- 05FCRA §1681i · 30 days
The clock runs from delivery
The response window starts at the delivery event, not the day you clicked send. If it lapses without a response, that lapse is itself part of the record for the next round.
If you have paid for this before, you have heard the opposite.
The promises that sell this category are the ones the Credit Repair Organizations Act was written to stop. Here is what we will not tell you.
We do not promise deletions
Nobody can. A bureau decides what it removes. What we can do is make sure the dispute was specific, delivered, and answered inside the statutory window, and show you the evidence either way.
We do not dispute everything
Blanket not mine claims across a whole file is the pattern that draws enforcement, and bureaus screen for it. Items enter a round because something in the report supports the claim.
We do not bill before the work
Credit repair fees are charged after a round is complete, not at signup. You get three days to cancel after signing, before anything is sent.
We do not write your letters for you
The letter is yours, in your name, over your signature. We assist with drafting and we supply the citations. We are not a law firm and we do not represent you.
We are not open in every state yet.
Several states require a credit services organization to register or post a bond before it can take clients there. Where that is not yet done, we will tell you at signup rather than take your money and sort it out later.
Ask about your state