✦ For anyone tired of paying the bad-credit tax

Bad credit is costing you thousands. We'll clean it up, or you don't pay.

We dispute and remove the collections, late payments, charge-offs and inquiries tanking your score. Most clients see deletions within 30 days.

Start for $0 today → See how it works

★★★★★ 4.9/5 from 200+ clients

30-day money-back guarantee

The process

Here's exactly how we fix your credit

No guesswork. No generic templates. A proven, systematic process that puts legal pressure on the bureaus to remove the negatives destroying your score.

We pull your reports & build your case

We pull your full credit reports from all three bureaus — Equifax, Experian, and TransUnion — and go line by line. Every collection, every late payment, every charge-off, every inquiry. We identify every item that's inaccurate, unverifiable, or outdated. Most people have no idea how many errors are on their reports.

We craft aggressive, legally-backed disputes

This isn't a template letter service. We build custom dispute packages for each negative item using the Fair Credit Reporting Act (FCRA) and consumer protection law. The bureaus are required by law to investigate within 30 days — if they can't verify the item, it must be removed.

We fire off disputes & track every response

We submit disputes directly to the credit bureaus and the data furnishers. We track every single response. If an item comes back verified, we dispute it again with escalated tactics — different angles, different legal arguments, more pressure. We don't stop until results happen.

You watch your score climb

As negatives get removed, your score starts moving. Our expedited clients typically see movement in the first 30 days. We keep you updated every step of the way so you can watch your credit profile transform in real time.

Why most people fail at credit repair on their own

Let's be real — you can Google "how to dispute a collection" and find a hundred template letters. But here's what those templates won't tell you:

The bureaus are designed to deny your disputes. They use automated systems that reject generic dispute letters within seconds. If your dispute looks like a template — and they can tell — it gets flagged as "frivolous" and nothing happens.

Timing matters more than most people realize. Dispute the wrong item at the wrong time and you can actually reset the clock on a negative, keeping it on your report even longer. We know the exact sequence and timing to maximize removals.

You're fighting a system that profits from your bad credit. The bureaus make money selling your data. The creditors make money charging you higher rates. Nobody in the system is incentivized to help you — except us.

Fix my credit now →

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A cleaner, stronger profile

We focus on accurate reporting and fewer derogatory marks — so your credit reflects reality, not outdated mistakes that have been dragging you down for years.

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Structured dispute strategy

We challenge items that are inaccurate, unverifiable, duplicated, or outdated — using a systematic, documented plan that puts legal pressure on the bureaus.

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Stop the bleeding

Higher deposits, worse insurance rates, expensive financing — it adds up to thousands per year. Credit repair pays for itself many times over.

Bad credit is costing you a fortune — every single month

Most people don't realize how much money they're throwing away. Bad credit isn't just a number on a screen — it's a tax on everything you buy, finance, or rent.

What bad credit is really costing you

Auto loan (bad vs. good credit) $3,000–$7,000 extra in interest

Mortgage (bad vs. good credit) $40,000–$100,000+ over 30 years

Insurance premiums $500–$1,500 extra per year

Security deposits (utilities, rent) $200–$1,000+ upfront

Credit card interest rates 10–15% higher APR

Add it all up and bad credit could be costing you tens of thousands of dollars over the next few years. Our service costs a fraction of what you'll save.

Imagine what life looks like with a clean credit profile

That's not a fantasy. That's what happens when the negatives come off your report. And it happens faster than most people think.

Getting approved for the apartment you actually want
Financing a car at a rate that doesn't make you sick
Walking into a bank and qualifying for a real business loan
Paying half the insurance premium you're paying right now
Actually having options — instead of taking whatever scraps the system offers

Every month you wait is another month of overpaying. The cost of doing nothing isn't zero — it's hundreds of dollars per month you'll never get back.

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Expedited option

Faster cadence + more intensive disputes designed to show real movement within the first 30 days.

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Money-back guarantee

At least one negative removed within 30 days or you get a full refund. We put our money where our mouth is.

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The hidden cost of bad credit

Higher APRs, bigger deposits, worse insurance rates — bad credit costs the average person $1,200+ per year in extra fees.

Choose your plan

Every plan includes structured disputes and bureau follow-ups. Pick the pace that works for you.

🔥 Most Popular

⚡ Expedited

$499

one-time payment

~~$999~~Save $500

Hit all three bureaus at once with aggressive, legally-backed disputes designed to show real score movement within 30 days — or you don't pay.

Score movement within 30 days
All three bureaus simultaneously
Aggressive FCRA dispute tactics
Collections, late payments & inquiries removed
Priority support — direct access to your advisor
Money-back guarantee if no results

Start expedited ⚡

📅 Monthly

$99/mo

cancel anytime · no contracts

Steady, consistent progress every month. Perfect if you have multiple negatives and want ongoing dispute cycles without a large upfront cost.

Monthly dispute cycles on all 3 bureaus
Bureau follow-ups handled for you
Monthly progress reports
Cancel anytime — no commitment

Start for $99/mo

👫 Couples

$850

one-time · both partners

~~$998~~Save $148

Fix both credit profiles at the same time for one flat rate. Ideal for couples buying a home, applying for a business loan, or qualifying for an apartment together.

Both credit profiles fully repaired
Expedited process for both partners
All three bureaus simultaneously
One advisor handles both files

Start couples plan 👫

Timelines vary. Outcomes depend on reporting accuracy and bureau responses.

Frequently asked questions

Everything you need to know before getting started.

We pull your full credit reports, identify every negative item, and file legally-backed disputes under the FCRA. Bureaus must investigate within 30 days — if they can't verify the item, they're required to remove it. We track every response and escalate until results happen.

The expedited plan hits all three bureaus simultaneously with a more intensive dispute cadence designed to show movement in the first 30 days. Monthly is a steady ongoing process — great if you have multiple items and want consistent progress over time.

Collections, charge-offs, late payments, hard inquiries, repossessions, judgments, bankruptcies, medical debt, student loan defaults, and identity errors. If it's inaccurate, unverifiable, or outdated, we challenge it.

Expedited clients typically see score movement within 30 days. Some clients see deletions in as little as 2 weeks. Monthly clients see consistent progress with each dispute cycle. Results depend on the number and type of items on your report.

Absolutely. Everything we do is backed by the Fair Credit Reporting Act (FCRA), the Fair Debt Collection Practices Act (FDCPA), and other federal consumer protection laws. You have a legal right to dispute inaccurate or unverifiable information on your credit report.

If we don't get at least one negative item removed within 30 days, you get a full refund. No questions asked. We're confident enough in our process to put our money on the line.

Technically yes — but the bureaus use automated systems designed to reject generic dispute letters. DIY disputes are often flagged as "frivolous" and denied instantly. Our process is custom-built for each item and uses specific legal arguments that get real responses.

Just sign up and we handle the rest. We'll walk you through pulling your credit reports and getting your information set up. The whole onboarding process takes less than 10 minutes.