Get free reports from all 3 bureaus at AnnualCreditReport.com — the only official government-recognized source.
Bureau disputes, furnisher notices, sub-bureau coverage, and mail service. Everything you need to fix your credit — all in one place.
Most credit repair only touches the big 3 bureaus. We go further.
Equifax, Experian, and TransUnion — the big 3 that affect your credit score.
The hidden bureaus that landlords, employers, and insurers check.
The banks and lenders who report to bureaus — and are legally required to fix errors.
Start for $1. Upgrade when you're ready. Cancel anytime.
Try it out. Get 1 bureau dispute letter.
Everything you need to fix your report.
We print, sign, and mail everything for you.
When you dispute with a bureau, the bureau sends your dispute to the furnisher (the bank, lender, or collection agency). Under the FCRA, furnishers have 30 days to investigate and correct errors.
Most people stop at the bureau. That's a mistake — because if the furnisher doesn't respond, the bureau has to remove the item by law. Our furnisher notices put legal pressure directly on the source.
We send bureau disputes AND furnisher notices simultaneously. If the furnisher doesn't respond within 30 days, we send a 60-day escalation notice — and if they still don't respond, we send a cease-and-desist with FCRA liability warnings.
Yes. The Fair Credit Reporting Act (FCRA) gives you the legal right to dispute inaccurate information on your credit report. Credit repair companies have been operating legally since 1996.
Typically 3-6 months to see significant changes. The bureaus have 30 days to respond to disputes. If items are removed, they usually fall off within 1-2 billing cycles.
Bureau disputes go to Equifax, Experian, or TransUnion. Furnisher disputes go directly to the bank or lender who reported the information. Both are important — furnisher notices often get faster results.
Sub-bureaus like LexisNexis, ChexSystems, and FactorTrust collect information beyond what's on your credit score. Landlords, employers, insurers, and banks often check these reports. Negative items on sub-bureaus can block housing, jobs, and loans even when your credit score looks fine.
Pay-for-delete is when you negotiate with a collection agency to remove the negative item from your report in exchange for paying the debt. We provide the exact letter templates and negotiation scripts to use.
We can't guarantee specific items will be removed — that's up to the bureaus and furnishers. What we guarantee is that we'll file everything properly, follow up at the right times, and escalate when required by law.
Start for $1 or get the full system for $29. Your first letter could make the difference.