Full-service credit repair engineered to actually move the needle — in 75 days or your money back.
Not a template dispute mill. We pull all three reports, audit every line, and launch a multi-layer dispute campaign across the bureaus, the original furnishers, LexisNexis/SageStream, and CFPB/State AG — until each removable item is gone from every source feeding your file.
CROA / FCRA compliant · Secured checkout · No long-term contracts
Receipts, not promises.
Real score-jump screenshots clients sent us straight from their Credit Karma, SmartCredit, and VantageScore apps — not stock photos, not actors.
"OMG THIS IS UNREAL — Experian 791, +123 pts. I think I may cry. THANK YOU MR. Collins and the team."
"+114 points in 5 days."
"+105 pts today — TransUnion 688. Bro."
"Woke up to 101 pts up — now at 739."
"Your student loans have been forgiven — MOHELA, PSLF/TEPSLF. Thank you for your public service."
"Borrower Defense Loan Discharge — Completed. $12,734 gone."
"Congratulations! You've paid off all your loans. Total Balance $0."
"You helped clear over $12,000 debt in student loans. Thanks again — you're the best."
The real price of leaving negatives on your report.
- Negative items keeping your score stuck under 700
- Mortgage, auto, and business funding applications denied
- Interest rates jacked 3-6% above market because of your file
- Collections, charge-offs, and late payments years out of date
- Student loans, bankruptcies, judgments weighing the file down
This isn't about dodging what's accurate — it's about forcing the credit system to prove every negative item is accurate, complete, and legally compliant. If they can't, federal law says it comes off.
Everything negative — removed.
No item is off-limits. If it is dragging your score down, we go after it with bureau disputes, furnisher challenges, debt validation, statute review, and CFPB / State AG escalations.
Seen enough? Start your repair right now.
75-day money-back guarantee. CROA/FCRA compliant. Secured checkout — intake begins within 24 business hours.
Hear it from the people who lived it.
Real clients, filmed on their own phones, after the file was cleared and the funding came in. No scripts, no actors.
"Credit got cleaned, score jumped, and I'm finally fundable — on camera."
"The score moved exactly like they said it would — approval the same week."
"Y'all cleared my file in weeks — I'm still in shock. Thank you."
75 Days. Or your money back.
If you do NOT see a single removal in your first 75 days with us, we refund every dollar you paid. No arbitration clause. No fine print. No "processing fee" held back. Every dollar — refunded.
We don't just challenge the bureaus — we dispute everywhere.
Most repair shops send a few form letters to Equifax, Experian and TransUnion and call it a day. That's why their results stall. We go deeper — every entity that has your data gets challenged, in parallel, until the item is gone from every source feeding your file.
The 3 Credit Bureaus
Equifax, Experian, TransUnion — formal CROA/FCRA disputes with method-of-verification escalation on every item.
Original Data Furnishers
The actual creditor, servicer, collection agency, or lender reporting the item. We force them to prove ownership, authorization and balance accuracy.
Secondary Reporting Agencies
LexisNexis, SageStream, ARS, CoreLogic, Innovis — the back-end repositories the bureaus pull from. Removing it from the bureau is not enough if the source is still feeding it back.
CFPB & State AG Complaints
When furnishers stonewall, we escalate through the Consumer Financial Protection Bureau and State Attorney General filings. That makes the dispute a federal paper trail.
Student Loan Servicers Directly
Nelnet, Navient, MOHELA, Aidvantage, Sallie Mae and the rest — direct account-level challenges on balance, authorization, and documentation.
Debt Validation & Statute Review
FDCPA debt validation letters, statute of limitations review, and estoppel-by-silence escalations on anything that cannot be documented.
Positions you for up to $250,000 in business funding.
A clean file is step one — but a clean file sitting idle is just a prettier number. Once your reports are rebuilt, our funding team activates multiple lanes in parallel: business credit cards, revolving lines, term loans, SBA-adjacent facilities, and revenue-based financing — stacking up to $250K deployable capital in your name.
File Cleaned
Every removable negative gone. Scores positioned 700+ with the depth banks demand.
Funding Lanes Opened
Business credit cards, revolving lines, term loans — matched to your profile and income.
Capital Deployed
Up to $250,000 in combined approvals — deployed into your business, real estate, or next move.
Build me a plan that fits my situation.
No cookie-cutter upsell. Answer the quick questions below and a strategist will build a plan specifically around your file, income, and goal.
Start your credit repair today.
Secure checkout via Commas. Your intake and dispute kickoff begin within 24 business hours.
Begin Credit Repair — Secure Checkout75-day money-back guarantee · Encrypted checkout · CROA/FCRA compliant