We specialize in credit repair and optimization, helping clients remove negative items, improve their credit scores, and establish strong financial profiles. We also provide financial education and personalized strategies to help you achieve long-term financial success.
Every credit profile is unique, but most clients start seeing improvements within 30 to 45 days after disputes are filed with the credit bureaus (Equifax, Experian, and TransUnion). The full process may take several months, depending on the complexity of your credit situation.
We help dispute and potentially remove:
✅ Hard inquiries
✅ Late payments
✅ Collections
✅ Charge-offs
✅ Repossessions
✅ Evictions
✅ Bankruptcies (case-by-case basis)
✅ Other negative items affecting your credit score
While we cannot guarantee specific results (as credit bureaus and creditors make the final decisions), we have a proven track record of helping clients significantly improve their scores by removing inaccurate, outdated, or unfair items.
No, removing negative items typically results in a higher credit score. However, if you have no active or positive credit lines, we recommend credit-building strategies to maintain and strengthen your credit profile.
Yes! We dispute inaccurate information directly with Equifax, Experian, and TransUnion, ensuring corrections reflect across all major credit reports.
Yes, but the process can be complex, time-consuming, and frustrating. Our expertise allows us to navigate credit laws and dispute errors effectively to get the best possible results in less time.
Free initial credit analysis
Consultations: $50 per hour (FREE for members)
We also offer flexible payment plans to fit your budget.