Your credit score, repaired and optimized. Dispute letters that actually work.
Describe your credit situation or paste items from your report. Prioritized dispute strategy, bureau-ready letters, debt negotiation scripts, and a 90-day score optimization plan — ready to execute.
Repair my credit — $7983% of credit reports contain at least one error. Dispute success rates average 79% for legitimate errors under the FCRA.
Every item analyzed. Every lever activated.
Report Analysis
Every derogatory item categorized by impact, accuracy, and disputability under the FCRA. Critical items that need immediate action vs. items to let age off the report naturally.
Dispute Letters
Bureau-ready FCRA dispute letters for each item: specific violation cited, required correction demanded, follow-up timeline. Ready to send to Equifax, Experian, and TransUnion by certified mail.
Debt Negotiation
Pay-for-delete strategies, settlement offer scripts for collection accounts, and goodwill deletion letters for paid-but-still-reporting accounts. Specific to each creditor type.
Score Optimization
Credit utilization optimization, account age strategy, credit mix recommendations — the factors you control right now, sequenced for maximum impact in 30/60/90 days.
Quick Wins
Score moves you can make this week: authorized user addition, rapid rescore candidates, utilization paydown sequence, secured card strategy. Immediate impact before the 90-day roadmap.
90-Day Roadmap
Month-by-month action plan with expected score impact at each stage. Realistic timeline with milestones — not promises, but an honest projection of what's achievable.
“Dispute letters removed 3 late payments that weren't mine. Score jumped 94 points in 60 days. Got the mortgage rate I needed.”
“The pay-for-delete script worked on all 4 collection accounts. Score went from 592 to 701 in 4 months.”
“Found a medical bill reported incorrectly. Dispute letter cleared it in 22 days. An attorney would have charged $800 for the same letter.”
One plan. Every tool to rebuild your credit.
One-time payment. No subscription. Immediate access.
Report analysis and dispute strategy for your top items.
- ✓Derogatory item analysis and prioritization
- ✓Dispute letter for top 2 items (all 3 bureaus)
- ✓Quick win identification for immediate score impact
Complete repair package: all dispute letters, negotiation scripts, and 90-day roadmap.
- ✓Everything in Starter
- ✓Dispute letters for all items across all 3 bureaus
- ✓Debt negotiation and pay-for-delete scripts
- ✓Goodwill deletion letter templates
- ✓Credit utilization optimization strategy
- ✓90-day score improvement roadmap with milestones
- ✓Score projection at 30/60/90 days
Common questions
Does this replace a credit repair company?
Credit repair companies charge $100-200/month and do exactly what this does: send dispute letters. The difference: they do it slowly (legally can't charge until service is delivered), and you can do it yourself. The FCRA gives you the same rights as any third party.
What if the negative items are accurate?
For accurate items: pay-for-delete negotiation, goodwill deletion letters, or patience (most negatives drop off after 7 years, bankruptcies after 10). We identify which items are disputable vs. which need a different strategy.
How long does a dispute take?
Bureaus have 30 days to investigate and respond under the FCRA (45 days if you provide additional info). Most disputes resolve in 30-45 days. We give you the follow-up sequence if they don't respond.
What is pay-for-delete?
A negotiation with a collection agency: you agree to pay (or settle) in exchange for them removing the collection account from your credit report. Not all collectors agree, but many do — especially for smaller balances. We give you the exact script.