We review all three bureau reports line by line, challenge anything inaccurate, incomplete or unverifiable, and help you build the habits and accounts that move your score. The goal is a profile lenders say yes to.
Get My Free Credit AuditNo hard inquiry. No obligation. No fees until work is done.
Your score sets the price you pay to borrow. Over a lifetime, that adds up.
On a $300K, 30-year mortgage, the gap between a 6.5% and an 8% rate is about $305 a month. That's roughly $110,000 over the life of the loan.*
Borrowers with lower scores often get double-digit auto loan rates, which can add thousands to the price of the same vehicle.
Low scores can mean denied business funding, bigger deposits and higher insurance premiums in many states. Growth gets harder without access to credit.
*Example only, principal and interest. Actual rates depend on the lender, market and your full profile.
We pull your Equifax, Experian and TransUnion reports with you and flag errors, duplicates, outdated items and reporting that breaks the rules.
We prepare specific, documented disputes to the bureaus and the companies reporting the data, using your rights under the Fair Credit Reporting Act (FCRA). No copy-and-paste form letters.
We track every response. If an item comes back "verified" without real proof, we follow up and escalate, including complaints to the CFPB where appropriate.
Removing errors is half the job. We help you lower utilization, add positive accounts and set up an entity, so your profile is ready for funding.
Tell us a little about your credit. We'll review it with you on a free call and you'll leave with a written plan, whether or not you hire us.
A walk-through of all three reports and what each negative item is costing you.
Which items to challenge, in what order, and why.
Utilization targets and the next accounts to open or pay down.
How close you are to 0% business credit, and what's left to fix.
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A clean, strong profile is what lenders look for. Once you're there, we can help you qualify for 0% intro-APR business credit, typically $50K to $150K, and larger SBA or term loans.
Learn About Business FundingBureaus generally have 30 days to investigate a dispute, so most clients see their first results within one to two dispute rounds. Our program runs 90 days, which covers about three dispute rounds. Results depend on how many items you have and how the bureaus respond.
No, and no one honestly can. We can challenge items that are inaccurate, incomplete or can't be verified. Accurate, timely negative information can legally stay on your report, usually for up to seven years. We'll tell you up front which items are worth disputing.
The audit is free. If you hire us, you'll sign a written contract with the full price, and you can cancel within three business days without penalty. By law we don't charge for any service until it has been fully performed.
Yes. On-time payments are the biggest single factor in your score, and missing them while disputes are open will undo your progress. Never stop paying a valid debt as a "strategy."
Yes. You have the right to dispute errors directly with the bureaus for free, and you can get your reports at AnnualCreditReport.com. Clients hire us for the time, the follow-through and the funding strategy that comes after.
We help you use it. That can mean preparing for a mortgage, refinancing high-interest debt, or qualifying for business funding through our funding service.
Start with a free audit. You'll see exactly what's on your reports and what can be done about it.
Get My Free Credit Audit