We manage the court and run the plays.
A credit-improvement program and an account-level Full Court Press. Pick one or both.
Credit-Improvement Program
Results first. You won't be billed a dime until our initial work is done. We start reviewing your full credit profile, finding the reporting inaccuracies, and building a custom dispute strategy. This setup phase takes 2 to 7 days. Your $99 monthly membership only starts after that work is complete. If we find no errors, no questionable reporting, and nothing to improve, we tell you straight and you don't pay a penny. We only take on clients we can actually help. Then it's $99 a month. You pay per deletion, only when items actually come off. That comes with education at each juncture: what's happening legally, how the errors persist, and how the investigation and verifying (or the lack of it) is why valid FCRA claims hold up. IdentityIQ is recommended for peace of mind and monitoring during the process, or you can pull your reports free from AnnualCreditReport.com. This fixes the credit reporting. The reporting gets blocked or deleted. But it doesn't erase the underlying debt, and you can still be sued. No credit sweep, no claiming ID theft. Trusted, true methods, done right through the FCRA.
- $0 upfront. Free initial case evaluation.
- 2 to 7 days of real work before you're ever billed.
- No errors? It's free. We only charge clients we can help.
- $99 a month, starting after the work is done (usually 24 hours to 7 days).
- Pay per deletion, only when items come off.
- Education at each juncture: what's happening legally and why the errors persist.
- IdentityIQ recommended for peace of mind, or pull free from AnnualCreditReport.com.
- Fixes the reporting, but doesn't erase the underlying debt.
- No credit sweep, no claiming ID theft. Trusted, true methods.
Full Court Press
One account, pressed from every angle. This is for when a lawsuit is being threatened. Built around your situation, start to finish. We figure out the right approach together and we're with you the whole way. These cases can last 12 to 36 months, and we're there the whole time. Every step, every motion, every deadline, with the best calls available to run at any given time. Not legal advice — just info and assistance. Comes with a 1-on-1 strategy session in your first week.
- For when a lawsuit is being threatened.
- Built around your situation, start to finish.
- We're with you the whole way. 12 to 36 months if that's what it takes.
- Every step, every motion, every deadline.
- 1-on-1 strategy session in your first week.
Find the errors. Make them verify. Keep the avenue open.
We pull all three reports and find the errors and inaccuracies across them. Then we dispute the right way. They have a duty to properly investigate a dispute. What they do, or don't do, matters in our process.
Find the errors
We pull all three reports and find the errors and inaccuracies across the bureaus.
Make them verify
We dispute the right way. That makes them verify the information. They often can't.
Keep the avenue open
If they verify, we keep the account prepared and preserve the arbitration or litigation path.
If it comes to it, this is exactly what an attorney wants to see.
We document the whole arc, before, during, and after, so the file tells the story at every stage. If your case is eligible, I can refer you to an FCRA attorney. Their fees are often paid by the other side, so you don't pay out of pocket. Attorneys tend to take the higher-value cases, above $12,500. I'll refer you if it applies.
Before
What the report looked like before the dispute.
During
What it looked like while the dispute was pending.
What they did
The bureau and furnisher's response, and your evidence.
After
What it looks like after they "verified" or "deleted."
When a lawsuit is being threatened, we get ready to counter.
We go on offense and help organize the documents and build a dated chronology so the file tells the story. Built around your situation, start to finish. We figure out the right approach together and we're with you the whole way.
Not legal advice — just info and assistance. Legal strategy and representation are the responsibility of a licensed attorney, or, if you go pro se, yourself.
Not sure which fits?
Book a consultation and we'll help you figure it out.