Bureau-specific disputes. Every account. Every error.
We analyze your full report, write targeted dispute letters, file CFPB and FTC complaints, and lock down secondary bureaus. No batch filings. No PDFs handed off.
What actually happens to your file
01 — Report Analysis
All three bureau reports pulled and reviewed line by line. Collections, charge-offs, late marks, and duplicate entries flagged for action.
02 — Bureau-Specific Dispute Letters
Each letter names the bureau, the account number, and the exact violation. Equifax gets a different letter than TransUnion — because each bureau owns different data.
03 — Security Freezes
Freezes placed with secondary bureaus — ChexSystems, LexisNexis, and others — that most clients don't know exist until a lender pulls them.
04 — CFPB & FTC Filings
Federal complaints filed online when bureaus fail to investigate or furnishers continue reporting inaccurate data. Documented escalation, not ignored correspondence.
The repair timeline shrinks when the work is structured
Every file is handled manually. No automated batch submissions. No cookie-cutter dispute templates recycled across clients.
FCRA and FDCPA compliance is embedded in every letter, every freeze request, every federal filing — because the bureau's obligation is legal, not optional.
Waiting assumes nothing is filed correctly. We build a documented case — specific accounts, specific FCRA violations, specific bureau responses — that compresses the remediation window significantly.
Select your repair service
Standard Credit Repair
Full report analysis across all three bureaus, bureau-specific dispute letters for identified errors, and security freezes with secondary bureaus. Includes one round of CFPB or FTC filings if needed.
Full Remediation Package
Everything in Standard plus ongoing dispute tracking, escalated federal filings for non-compliant furnishers, and secondary bureau freeze management across ChexSystems, LexisNexis, and Innovis.