We have been helping consumers improve their credit since 1988. Our expert analysts and dispute team will know exactly how to handle your situation. Every dispute case is unique and you need an experienced professional to navigate this process with you. The consumer attempted success rate over the past 35+ years is less than 10%. More damage can be done to a credit report when disputes are handled incorrectly. A simple dispute mistake will linger and have a negative effect for many years.

 

Quite simply, we are the best in the business at helping you improve the information on your credit reports. We conduct a free analysis to be sure we thoroughly understand all negative items on your reports. If we feel that a dispute process will have a positive effect on your credit reports, we handle 100% of the process. We address all classifications of items on your report, from inquires to bankruptcy related items.  While there are no guarantees or 'sure things', our experience is unmatched.  Click here for an example of results we achieved regarding a bad tax lien case.  You will receive multiple rounds of disputes when needed and we review the results with you in great detail. We make the process simple for you.

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We are dedicated to disputing negative information on your credit report so you can have the tools you need to live the life you deserve . Before delving into some insightful considerations regarding the expenses associated with credit reports and scoring, it is crucial to emphasize a noteworthy shift in credit score standards. In the past, a credit score of 680 was regarded as excellent, granting consumers extensive choices with optimal pricing and interest rates. However, as per leading authorities in the field, since November 2014, yesterday's 680 score is now equated to at least 750.  For reference, Experian recently published this chart..........

 

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Consequently, a credit score of 680 in 2014 is now very close to the threshold between fair and poor credit. While individuals with poor or bad credit should seek professional credit analysis, it is advisable for those with anything less than an excellent (or 'Exceptional' as it is now categorized by some bureaus) credit score (at least 800 FICO score in this recent representation) to undergo credit checks as well.

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Another recent chart reflecting state-by-state averages, listed 674 as the national average with state averages ranging from a high of 706 to a low of 639. A total of 24 states shown were at or below the national average.  

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Our services cater to consumers residing in all 50 states. We begin all cases with a FREE credit report analysis to determine whether negative information is likely to be successfully and permanently removed.  We do not engage anyone as a new client until completion of this analysis.  Though many will claim to be able to 'fix' all items, the reality is that some disputes will be considered 'frivolous' by the credit bureaus.  As a result, the bureaus may 'flag' your entire report and progress will come to a halt.  We communicate directly with the major credit bureaus, conducting multiple complete dispute rounds when needed and allowed (knowing what 'to do' and 'not to do' is critical).  After tens of thousands of cases, we know all the thresholds with each credit bureau to get the most likely, best results.  Here are a few of our case results.  Click here to send an analysis request.  We truly make the process simple for you. 

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If we find items during our initial analysis that we know require legal help rather than a professional credit dispute, we will advise you as such and are happy to help find a qualified credit dispute attorney near you.  Whenever this is the case, we will not engage you as a client and there is never a charge for helping you find the right legal resource.  You always want to address potential legal credit matters before engaging any credit dispute professional.

 

It is important to note that according to the law, individuals who wish to dispute information on their credit reports must possess a valid U.S. Social Security number. Furthermore, they are required to provide documentation to establish their identity accurately. Additionally, documentation demonstrating U.S. citizenship or legal long-term residence or work visa in the U.S. is necessary to proceed with the dispute process.