How the Dispute Process Works
A clear, proven process from start to finish.
Free Credit Review
We pull and analyze your full credit report from all three bureaus — Equifax, Experian, and TransUnion — to identify every negative, inaccurate, or unverifiable item.
Custom Dispute Strategy
We build a personalized dispute plan targeting the items most likely to be removed and that will have the greatest positive impact on your score.
Bureau Disputes Filed
We draft and send professional dispute letters to the credit bureaus and original creditors on your behalf, citing applicable consumer protection laws.
Investigation & Response
Bureaus are required by law to investigate within 30–45 days. We track every response and escalate when necessary.
Items Removed or Updated
Unverifiable or inaccurate items are deleted or corrected. You receive an updated report reflecting your improved credit profile.
What We Can Help Remove
What to Expect — Timeline
Most clients begin seeing results within 30–60 days of their first dispute round. Complex cases with multiple negative items may take 3–6 months for full resolution. We keep you updated every step of the way.
Frequently Asked Questions
Can you remove accurate negative items?
We can only dispute items that are inaccurate, outdated, or unverifiable. Accurate negative information that is verified by the creditor cannot be legally removed.
How long do negative items stay on my report?
Most negative items remain for 7 years. Bankruptcies can stay for up to 10 years. We identify items approaching their expiration and prioritize accordingly.
Do I need to do anything during the process?
Very little. We handle all the dispute letters and follow-ups. We may occasionally need your signature or a piece of documentation, but we keep your involvement minimal.
Will disputing items hurt my credit score?
No. Filing disputes does not negatively impact your credit score. In fact, successful removals typically result in a meaningful score increase.
Ready to Clean Up Your Credit Report?
Start with a free consultation — no obligation, no pressure.