You pay only for the items we get deleted.
We dispute inaccurate, outdated and unverifiable items on your Equifax, Experian and TransUnion reports. There’s no setup fee and no monthly fee. If an item stays on your report, it costs you nothing.
Dispute resultsRound 1
| Item | Bureau | Result | You pay |
|---|---|---|---|
| TU | Deleted | Yes | |
| 30-day late, auto | EQ | Verified | No |
| EX | Deleted | Yes | |
| EX | Deleted | Yes | |
| Charge-off, store card | TU | Verified | No |
Billed: 3 deleted items. Not billed: 2 items that stayed.
From your reports to your bill
You pull your reports
Free, from AnnualCreditReport.com, for all three bureaus. Pulling your own reports doesn’t affect your score.
We go line by line
We look for items that are wrong, incomplete, past the reporting limit or likely unverifiable.
You get a list and a price
A written list of what we’d dispute, the price per deleted item, and your rights. Nothing is charged to sign up.
We send the disputes
To each bureau that reports the item, and to the creditor or collector where that helps.
You pay for what came off
When an updated report shows an item deleted, that item is billed. Items that stay are never billed.
What we dispute
The law requires a bureau to delete or correct information that is inaccurate, incomplete or can’t be verified. Those are the items we go after.
| On your report | When it can come off |
|---|---|
| Accounts that aren’t yours | Mixed files, identity theft, or an authorized-user account you never agreed to |
| Late payments | When the dates, amounts or account status are reported wrong |
| Collections | When the collector can’t verify the debt, or it’s past the reporting limit |
| Duplicate entries | When the same debt is listed twice as open with a balance |
| Hard inquiries | When you didn’t apply for credit with that company |
| Old negative items | Most must drop off after 7 years; bankruptcies after 10 |
| Balances, limits and personal details | Wrong balances, credit limits, addresses or names that belong to someone else |
What we won’t do
Some of what’s sold as credit repair is illegal or just doesn’t work. We stay out of it.
- Dispute an item we know is accurate, or tell you to claim it isn’t yours.
- Promise a credit score or a number of deletions.
- Sell a “CPN” or any new credit identity. The FTC warns that using one can be a federal crime.
- Tell you to stop paying your bills or to leave things off a loan application.
- Charge you before an item has been deleted.
Applying for business funding?
Many lenders look at the owner’s personal credit, especially when the business is young. An error on your report can cost you an approval or a better rate.
You can do this yourself, for free
Federal law lets you dispute errors directly with each bureau at no cost. Hiring us saves you the time and the paperwork; it doesn’t give you rights you don’t already have. Your rights
See what’s worth disputing before you pay anything
Tell us what’s on your reports. We’ll reply by email with the items we’d dispute and the price per deleted item, in writing, before you sign.