Make the bureaus answer for what they print about you.
Most credit repair mails the same letter about every account and asks you to pay before anything happens. We read all three of your reports line by line, dispute one account at a time in language written for your file, and you are not billed a dollar until a round of work is finished.
- No card
- No setup fee
- No lump sum up front
- Nothing owed until a round is finished
30 days to verify or delete, counted from delivery
STAGED SAMPLE. NEVER A CLIENT FILE.
It is not that the law is weak. It is how the letters are written.
A bureau reduces every dispute it receives to a short reason code before it ever reaches the company that reported the debt. A vague letter becomes a vague code, and a vague code comes back “verified.” The specificity is the whole game.
How the category does it
How we do it
| Printed field | Equifax | TransUnion | Experian |
|---|---|---|---|
| Date opened | 03/2019 | 03/2019 | 03/2019 |
| Date of first delinquency | 06/2021 | 11/2021 | not printed |
| Balance reported | $1,204 | $1,204 | $1,417 |
| Last activity | 08/2021 | 08/2021 | 08/2021 |
Two bureaus print the first delinquency five months apart and the third does not print it at all — on the one field the seven-year clock is measured from. That is the letter: three named fields, one account, one bureau at a time.
Thirty days
The ordinary window
A bureau has thirty days from the day it receives a dispute to verify the item or delete it. A letter sitting in transit is not costing them a day, which is why we track delivery and keep the scan.
Forty-five days
When the report came from your free annual disclosure
Same dispute, longer window. Claim a violation on day 31 in a 45-day case and you have no claim; assume 45 when it does not apply and you leave a real one on the table. We record how every report was obtained at intake, once.
Four things, in this order.
No mystery, no proprietary secret. This is the whole process, laid on the clock it runs against.
00before anything is mailed
Read all three reports
Equifax, TransUnion and Experian print different things about the same debt — different dates, different balances, sometimes a different status. We go through every account on all three and write down exactly what each one says, word for word, including the fields they left blank.
00still before anything is mailed
Find what does not hold up
A delinquency date that contradicts the payment grid printed beside it. A balance that disagrees across bureaus. A status that cannot be true given the dates around it. Those are the disputes worth making, and they are found by reading, not by guessing.
3 reports · 1 account · 17 printed fields put in issue
01delivery starts the clock
Dispute one account at a time
Each letter puts a single account in issue and names the fields being questioned, so the bureau cannot compress it into a generic code without ignoring what was asked. They have 30 days to verify or delete — 45 when the report came from your free annual disclosure.
30answer due, or the deadline is the evidence
Hold them to the deadline
We track the delivery date, not the mailing date, because delivery is when the clock legally starts. If they answer that they verified it, we can require them to describe exactly how they did — and that answer is due in 15 days.
30 to 45 days to answer · then 15 days to describe how
CERTIFIED MAIL — RETURN RECEIPT REQUESTED
7020 1290 0002 4471 8847
Equifax Information Services LLC
P.O. Box 740256, Atlanta GA 30374
MAILED AUG 12DELIVERED AUG 14
STAGED SAMPLE. NEVER A CLIENT FILE.
Days since delivery, not since mailing
Every answer we get is written down. Nothing is learned twice.
Most of this industry cannot tell you which of its arguments actually work. It sends, it hopes, and it starts over. We keep a record.
| Day | Account | Bureau | Delivered | Due | Status |
|---|---|---|---|---|---|
| 21 | Capital One ••••3344 | Equifax | Aug 14 | Sep 28 | RUNNING |
| 21 | First Premier ••••0883 | Equifax | Aug 14 | Sep 28 | 9 DAYS LEFT |
| 33 | The Bureaus ••••1182 | TransUnion | Jul 31 | Sep 14 | ANSWERED DAY 33 |
| 33 | Portfolio Recovery ••••7719 | Experian | Jul 31 | Sep 14 | METHOD DUE IN 15 |
| 45 | LVNV Funding ••••2260 | TransUnion | Jun 19 | Aug 03 | CORRECTED DAY 43 |
STAGED SAMPLE. NEVER A CLIENT FILE.
| Round | Bureau | What was disputed | What came back | Answered |
|---|---|---|---|---|
| 01 | Equifax | First Premier ••••0883Date of first delinquency, balance, account status | VERIFIEDKept as reported, with no description of how it was checked | Sep 09 |
| 01 | TransUnion | The Bureaus ••••1182Balance and date opened | DELETEDThe company that reported it did not answer the bureau | Sep 14 |
| 01 | Experian | Portfolio Recovery ••••7719Account status and date of last activity | NO ANSWER BY DAY 30The missed deadline is itself on the record | Sep 28 |
| 02 | Equifax | First Premier ••••0883Method of verification, requested in writing | VERIFIEDMethod described on the fifteenth day: a coded response, no document | Oct 14 |
The argument, not the file
What gets recorded is the shape of a dispute — which contradiction was named, which bureau it went to, which company reported the debt, and what came back. Never one person’s information in service of another’s case. Your file is worked for you and read by nobody else.
Arguments that stop working get retired
Two of ours already have. They are kept on file with the reason they failed, so that no one here reaches for a refuted argument a year from now because it sounded good. Knowing what does not work is most of the value.
Bureaus are not interchangeable
The three of them print different fields, answer differently, and miss deadlines at different rates. The record is kept per bureau and per furnisher, because an argument that lands at one is not the argument to lead with at another.
Nothing is promised by any of it
A record of what has worked before is a better place to start than a template. It is not a prediction, and we will not pretend otherwise — your file is its own file, and no outcome can be promised to anyone.
Pick the amount of help you want.
You are billed per round, after the round has closed — never for a month spent waiting on a bureau to answer. No plan has a setup fee, no plan takes a lump sum up front, and each one states in writing the most you can ever be charged.
A round is one complete dispute cycle: every letter filed, every one answered or its deadline missed, every outcome recorded, and the next round decided. Bureaus get 30 to 45 days, so a round usually runs 45 to 75.
- ✓We read all three of your reports, line by line
- ✓Every dispute letter written for your specific accounts and fields
- ✓You file them yourself through the bureau portals, which costs nothing to send
- ✓We track every deadline and tell you the day one is missed
- ✓Your own page showing where each account stands
- —We do not file on your behalf
- —Certified mail and escalation are handled on the Full tier
- ✓Everything in Prepared
- ✓We file every dispute for you, by portal or certified mail
- ✓When a bureau says it verified an account, we require it to describe how
- ✓Disputes taken directly to the furnisher when the bureau will not move
- ✓Postage advanced at cost, with the receipt, billed only after it is sent
- ✓Every bureau response read and answered
- ✓Everything in Full Service, for two people
- ✓Both files worked together, so a shared debt is not disputed twice
- ✓Joint review of what each of you should and should not touch before a mortgage
- ✓One statement, one cap, covering both
| Round | Sent | Answered | Billed | Amount |
|---|---|---|---|---|
| 01 | Aug 12 | Sep 09 | Sep 09 | per round |
| 02 | Sep 16 | Oct 14 | Oct 14 | per round |
| 03 | Oct 21 | still running | not billed | nothing owed |
A round that has not closed never reaches a bill. Round 03 is still running, so nothing is owed for it. The fee per round, the number of rounds and the total cap on everything you can be charged come from the agreement you sign, not from this page.
Postage is billed at exactly what it cost, with the receipt, and only after a letter has gone out. Most clients buy their own certified postage, and then there is nothing to bill. Cancel any time — you are never charged for a round that did not close.
What we will not tell you.
Everyone in this business should say these out loud. Almost nobody does.
Nobody can. Anyone who guarantees a deletion or a specific score is either guessing or lying to you, and a company that puts that in writing has told you what it thinks of the law.
If a debt is yours, reported correctly, and not yet old enough to fall off, it stays. What we dispute is what is inaccurate, incomplete, or cannot be verified.
You have the right to dispute anything in your file directly with the bureaus at no cost, and to a free report from each of them every twelve months at annualcreditreport.com. People hire us for the reading and the follow-through, not for access they already have.
Each bureau gets 30 to 45 days per dispute, and a file usually runs 90 to 180 days. Anyone selling speed is selling the one thing not for sale.
and we do not give legal advice. If your situation calls for a lawyer, we will say so and hand you the file organized well enough to be useful.
The parts most people are never told.
None of this is secret. It is just buried in statute nobody reads to you.
01When does the 30-day clock actually start?
On delivery, not on mailing. The law gives a bureau its window beginning on the date it receives the dispute — so a letter sitting in transit is not costing them a day, and a dispute filed through a bureau’s own portal is received the moment you submit it.
This matters because the deadline is only useful if you can prove it passed. We track certified delivery and keep the scan, because a missed deadline you cannot evidence is not a missed deadline.
02Why is it sometimes 45 days instead of 30?
Because of how you got the report. A dispute built on the free annual disclosure you are entitled to each year runs on a 45-day window rather than 30. Sending the bureau additional relevant information mid-dispute can also extend a 30-day window by fifteen.
Getting this wrong in either direction is expensive: claim a violation too early and you have no claim, assume the longer window when it does not apply and you leave a real one on the table. We record how every report was obtained at intake, once, so nobody has to remember it later.
03The bureau said “verified.” Is that the end?
No — it is usually where the useful part begins. When a bureau tells you it verified an item, you are entitled to a description of the procedure it used, and it has fifteen days to provide it.
That answer is the target. A bureau that verified an account in four seconds by matching a code against a furnisher’s screen has to describe doing that, in writing. What comes back — or does not — is frequently more useful than the original dispute.
04How long does a negative account actually stay?
Seven years, but not from the date you think. The clock runs from 180 days after the delinquency that led to the collection or charge-off began — not from the date it was reported, not from the date it was sold, and not from the last time somebody updated it.
This is worth checking on every old account, because re-aging — a furnisher restarting that clock by reporting a later date — is one of the most common things wrong on a report, and one of the easiest to demonstrate when two bureaus disagree about the same debt.
05Why dispute one account at one bureau instead of all three?
Because the company that reported the debt only has to hear about it once. When any single bureau notifies a furnisher of a dispute, the furnisher must investigate — and if it finds the information incomplete or inaccurate, it is required to report that finding to every other nationwide bureau it sent the information to.
So three simultaneous disputes on one debt is not three times the pressure. It is one investigation, three flags on your file, and three chances to get a generic answer back.
06Will disputing hurt me if I am about to buy a house?
It can, and this is the question almost nobody asks first. An open dispute puts a flag on the account, and mortgage underwriting frequently either excludes a flagged tradeline or requires it resolved before closing.
So the first thing we ask is what you are financing and when. If you are closing in ninety days we work narrowly and deliberately. If you have no plans, we can open a much wider front. Same file, completely different pacing.
07Can you remove something that is actually mine?
Not if it is reported accurately and is not yet old enough to fall off, and you should walk away from anyone who says otherwise. What we look for is different: the account that is yours but whose dates contradict each other, the balance that three bureaus report three ways, the field the furnisher was required to report and left empty.
An item that cannot be verified has to come off, or be corrected. That is a different question from whether the debt was ever yours.
08What do you need from me to start?
Your three reports, a photo of your ID and something showing your current address. If you already have logins with all three bureaus and your reports in hand, your first month is free — that preparation removes most of the setup work, and you should get the benefit of it rather than us.
Everything after that runs through your own private page, where you upload documents and see exactly where each account stands.
Two minutes. Nothing owed.
No payment, no card, and nothing is agreed to until we sit down together and you sign.
We are set up to work with clients in Pennsylvania today. Apply from anywhere — we will hold it and reach out when we can work in your state.