No guesswork. No templates. Our expert team and proprietary ScoreForge™ engine build a precision dispute strategy for your unique credit profile — then execute it automatically, every 30 days.
Here's exactly what happens from sign-up to score improvement.
Securely link your TransUnion, Equifax, and Experian reports through our encrypted integration. Your data is protected with bank-level AES-256 encryption.
Our proprietary engine cross-references all three bureau reports, identifies every disputable item, and scores each one with a 6-factor disputability algorithm.
For every disputable item, our team generates a unique, FCRA-compliant dispute letter — not a template. Each letter uses a strategically selected reason from 8 proven dispute strategies.
Disputes are filed directly with TransUnion, Equifax, and Experian via certified mail. You get a notification the moment each letter is sent, with tracking numbers.
Track every dispute, removal, and score change on your real-time dashboard. Every 30 days, our team pulls fresh reports, re-analyzes, and files the next round — automatically.
Here's what a single dispute cycle looks like. This repeats every month until your credit is clean.
ScoreForge™ pulls your latest tri-merge report from all 3 bureaus and compares against the previous cycle.
Every negative item is re-scored. New items are flagged. Previously disputed items are checked for removal or status change.
Our team selects the dispute basis for each item from what is actually wrong on your file: inaccurate, unverifiable, or outdated.
Certified letters mailed to all 3 bureaus. You receive tracking numbers and a notification for each.
Bureaus have 30 days to investigate. We monitor for responses and track deadlines. Any non-response triggers automatic removal.
Removals are confirmed. Your scores update. Dashboard refreshes. The next cycle begins automatically.
Your SSN and personal data are encrypted at rest using the same standard as major financial institutions.
Every dispute letter cites the Fair Credit Reporting Act and demands investigation within legal deadlines.
A full written agreement before any work begins, plus 5 business days to cancel under Florida law and 3 under federal law — without penalty.
Built on enterprise-grade infrastructure with row-level security, full audit logging, and data retention policies.
Bureaus generally have 30 days to investigate each dispute (up to 45 in some cases), so the first responses usually arrive within a cycle of filing. Outcomes depend entirely on what is in your file — accurate, timely information cannot be removed, and no specific results are guaranteed. ScoreForge™ prioritizes the items most likely to be inaccurate or unverifiable.
Absolutely. Credit repair is a federally protected consumer right under the Fair Credit Reporting Act (FCRA). We operate in full compliance with the Credit Repair Organizations Act (CROA) and all applicable state regulations.
We only dispute items that have a legitimate basis for removal — inaccuracies, unverifiable information, reporting errors, expired items, or violations of reporting standards. We never file frivolous disputes.
Connect your credit reports (takes 2 minutes) and you're done. Our team and ScoreForge™ handle everything from there — analyzing, generating letters, filing disputes, tracking responses, and starting the next cycle automatically.
Yes. No contracts, no cancellation fees. Cancel from your dashboard with one click. If you cancel mid-cycle, we'll complete any disputes already in progress.
You absolutely can dispute items yourself for free. But our team files with all 3 bureaus simultaneously, tailors each dispute to the specific problem on your file, tracks every deadline, and never misses a follow-up. Most DIY efforts stall after the first round.
Our credit specialists oversee the ScoreForge™ engine, review complex dispute cases, and ensure every letter meets legal standards. The technology does the heavy lifting; our experts ensure quality and compliance at every step.
Every day you wait is another day with higher interest rates, denied applications, and missed opportunities. Let our team start fighting for you tonight.
Start repairing my credit →No credit card required for initial analysis