Of course you can! Many of our readers have cleared up blemishes on their reports. Your credit score is the most important three-digit number in your life. Improving your credit can lead to savings of hundreds of thousands of dollars over the life of a mortgage.

Sometimes, life can get a little out of hand and you may fall behind in bills, run up a lot of debt, or make other mistakes that can ruin your credit score. A bad credit report will raise your interest rates and make it even more difficult to catch up. That is where we come in.

We raise credit scores by working with you, your creditors, and the credit bureaus to remove negative items from your credit report and add positives.

We stand out from the rest because we work with you to give you the education you need to maintain healthy credit. We are always available to answer any questions you may have.

⚖️ Your Rights Under the Fair Credit Reporting Act (FCRA)

• Credit bureaus must resolve disputes within 30 days
• They must consider and transmit all relevant evidence submitted by the consumer
• You'll receive written notice of results within 5 days of completion
• Once deleted, items cannot be reinserted unless certified accurate AND you're notified within 5 days

💡 Tips for Resubmitting Your Credit Dispute

• Be persistent! Become more insistent, but not more threatening, with each dispute
• Be creative. Create techniques that help further the idea you're a wronged consumer
• Don't bombard. Wait 60 days between disputes of the same listing
• Document everything. Keep copies of all correspondence and records of telephone conversations