We handle the entire credit repair process that other companies charge $1,000+ for. Here's exactly what happens when you sign up.
Sign up and enter your IdentityIQ credentials. We use these to securely pull your full 3-bureau credit report (TransUnion, Experian, and Equifax) automatically.
Don't have an IdentityIQ account? You can sign up at identityiq.com for just $1. It takes about 2 minutes and gives you ongoing credit monitoring. You can cancel anytime.
Our experienced credit professionals analyze your entire credit report the same way a specialist would. We identify every negative item – collections, late payments, charge-offs, inquiries – and determine the best dispute strategy for each one.
Unlike other services that use generic templates, we write each letter from scratch based on your specific report. We cite the Fair Credit Reporting Act (FCRA) and use proven dispute strategies that we've refined over more than a decade of experience.
Review your personalized dispute letters in your portal. When you're ready, mail them to all three bureaus with one click. Letters are sent via certified mail with tracking.
Mailing costs a small fee per round depending on how many bureaus have negative items. That's it. No monthly fees. No contracts. No hidden charges. Ever.
By law, the credit bureaus must investigate your disputes within 30 days of receiving your letters. During this time, don't apply for any new credit – each inquiry can work against you.
The FCRA (§611) requires bureaus to investigate and respond. Items they can't verify must be removed from your report. The law is on your side.
After 35 days, we pull a new credit report and compare it to your previous one. You'll see exactly which items were removed and how your scores changed.
If negative items remain, we generate new dispute letters with escalated legal language and different statutory references. We are ruthless on the road to credit freedom. Most items come off within 2-3 rounds.