Dashboard
Your credit repair progress at a glance
Here's what to expect over the next 30 days:
Bureaus receive and process your disputes. They forward to creditors for verification.
Creditors investigate. Many delete rather than verify outdated records. This is when deletions happen.
Bureaus send results. If items verified, we file Round 2. If deleted, your score improves!
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We found 5 negative items that can be disputed:
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Your credit disputes and their current status
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Your complete credit repair journey
Your Rights
Understanding the laws that protect you
The FCRA gives you the right to dispute any information on your credit report that is inaccurate, incomplete, or unverifiable.
"If the completeness or accuracy of any item of information contained in a consumer's file at a consumer reporting agency is disputed by the consumer, the agency shall... reinvestigate free of charge..."
What this means: You can force credit bureaus to investigate any item you believe is wrong. They must do this for free, within 30 days.
The FDCPA protects you from abusive debt collectors and gives you the right to demand proof that you actually owe a debt.
"If the consumer notifies the debt collector in writing... that the debt... is disputed, the debt collector shall cease collection... until the debt collector obtains verification of the debt..."
What this means: Collection agencies must prove you owe the debt. If they can't provide the original contract and payment history, they must stop collecting and remove it from your credit report.
Most clients see initial results within 30-45 days after the first mailing. Complete repair typically takes 3-6 months depending on how many items need to be disputed and how resistant creditors are.
No. Disputing incorrect information cannot hurt your score. If negative items are deleted, your score will improve. If they remain, your score stays the same.
This is common for the first round. We file a second dispute with additional evidence, or request the method of verification. Many items are deleted on Round 2 when creditors don't respond again.