A Structured, Methodical Approach to Credit Accuracy
We guide you through every step of reviewing your 3-bureau credit reports, identifying unverified or inaccurate reporting, and building positive credit habits.
We guide you through every step of reviewing your 3-bureau credit reports, identifying unverified or inaccurate reporting, and building positive credit habits.
Click any stage below to see what happens during each phase of your credit advisory program.
Experian, Equifax, and TransUnion often hold different data from different data furnishers. In our first session, we help you pull your tri-merge credit files via a soft inquiry that never affects your credit score, and examine every tradeline side by side.
Federal statutes protect consumers from unfair, inaccurate, or unverifiable credit reporting.
Gives you the right to dispute incomplete or inaccurate information on your credit report. Credit bureaus must investigate non-frivolous disputes—typically within 30 to 45 days—and correct or delete unverified items.
Protects consumers from abusive or deceptive collection practices and grants you the right to request written validation of third-party collection accounts.
Ensures complete fee transparency, prohibits deceptive claims, guarantees a 3-business-day right to cancel without charge, and ensures fees are only collected after services are rendered.