Free Case Review
$0
NEVER CHARGED
- Review of all 3 bureau reports
- List of disputable items
- Written action plan
Credit report disputes · All 3 bureaus
Every error,
on the record.
We review your Equifax, Experian and TransUnion reports, dispute what's inaccurate, outdated or unverifiable, and track every item round by round. You pay nothing until each month's work is done.
$0 upfront · 3-day right to cancel · Not available in Georgia
CASE FILE
CASE NO. TDO-0147
SAMPLE FILE
- Collection · Medical, $412Round 01Balance doesn't match original creditor
- Auto loan · 30 days late, MarUpdatedPayment was on time; bank statement attached
- Credit card · Charge-offUnder reviewReported date of first delinquency is missing
- Hard inquiry · Unknown lenderRound 01Client didn't apply; inquiry not recognized
- $0 upfrontNo setup, enrollment or "first work" fees
- 3-day cancelChange your mind after signing, owe nothing
- You approveEvery letter, before it's sent
- No promisesNo guaranteed scores. Honest work only
TAB 01 · PROCESS
How a case works
Four steps, in this order. The waiting period in step 2 is federal law, and we don't skip it.
- STEP 1
Open your case
Send your details and pull your 3-bureau report. We review it free and send a written plan of what's disputable.
- STEP 2
Sign, then wait 3 days
You get your rights in writing first, then a plain contract. Nothing starts until your 3-business-day cancel window passes.
- STEP 3
Disputes, round by round
Letters go to the bureaus (and creditors on Executive). Bureaus generally have 30 days to investigate, so we work in 30-day rounds.
- STEP 4
Report, then bill
At the end of each round you get a progress report showing every item's status. Only then are you billed for that month.
TAB 02 · SCOPE
What we dispute
Straight answer: anyone who says they can erase accurate history is breaking the law. Here's what's real.
What we work on
- Wrong balances, dates, account status or late payments
- Accounts or inquiries that aren't yours
- Negative items past the 7-year reporting limit (10 for bankruptcy)
- Collections that can't be validated by the collector
- Duplicate accounts reported twice
- Goodwill requests for paid accounts with past late payments
What no one can do
- Remove accurate, current, verifiable information
- Guarantee a score or a number of deletions
- Get you a "new credit identity," CPN or new EIN to hide your file
- File false identity-theft claims
- Charge you before the work is done (legally, at least)
TAB 03 · FEES
Pricing
Every plan is billed after the work it covers. Cancel anytime; you never owe for an unfinished month.
The Standard
$99 / month
BILLED AFTER EACH 30-DAY ROUND
- Disputes at Equifax, Experian, TransUnion
- Up to 15 items per round
- Client portal and monthly report
The Executive
$149 / month
BILLED AFTER EACH 30-DAY ROUND
- Unlimited items per round
- Direct disputes to creditors and collectors
- Debt validation and goodwill letters
- Monthly strategy call and credit-building plan
Results Only
$75 / account removed
BILLED AFTER REMOVAL IS CONFIRMED
- Standard-level disputes
- One charge per account, even if it comes off all 3 bureaus
- Nothing removed, nothing owed
Couples: add a second person's file to either monthly plan for $70 / month.Typical case: 3 to 6 months.Results vary. We never promise a score.
TAB 04 · YOUR RIGHTS
You can do this yourself
Disputing errors with the credit bureaus is free, and you have the right to do it on your own.
People hire us for the time, the paperwork and the follow-through, not for access to anything you can't get. Before you sign anything with any credit repair company, federal law says you must receive the statement below as a separate document.
Consumer Credit File Rights Under State and Federal Law
You have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly. However, neither you nor any "credit repair" company or credit repair organization has the right to have accurate, current, and verifiable information removed from your credit report. The credit bureau must remove accurate, negative information from your report only if it is over 7 years old. Bankruptcy information can be reported for 10 years.
You have a right to obtain a copy of your credit report from a credit bureau. You may be charged a reasonable fee. There is no fee, however, if you have been turned down for credit, employment, insurance, or a rental dwelling because of information in your credit report within the preceding 60 days. The credit bureau must provide someone to help you interpret the information in your credit file. You are entitled to receive a free copy of your credit report if you are unemployed and intend to apply for employment in the next 60 days, if you are a recipient of public welfare assistance, or if you have reason to believe that there is inaccurate information in your credit report due to fraud.
You have a right to sue a credit repair organization that violates the Credit Repair Organization Act. This law prohibits deceptive practices by credit repair organizations.
You have the right to cancel your contract with any credit repair organization for any reason within 3 business days from the date you signed it.
Credit bureaus are required to follow reasonable procedures to ensure that the information they report is accurate. However, mistakes may occur.
You may, on your own, notify a credit bureau in writing that you dispute the accuracy of information in your credit file. The credit bureau must then reinvestigate and modify or remove inaccurate or incomplete information. The credit bureau may not charge any fee for this service. Any pertinent information and copies of all documents you have concerning an error should be given to the credit bureau.
If the credit bureau's reinvestigation does not resolve the dispute to your satisfaction, you may send a brief statement to the credit bureau, to be kept in your file, explaining why you think the record is inaccurate. The credit bureau must include a summary of your statement about disputed information with any report it issues about you.
The Federal Trade Commission regulates credit bureaus and credit repair organizations. For more information contact:
The Public Reference Branch
Federal Trade Commission
Washington, D.C. 20580
TAB 05 · QUESTIONS
FAQ
When exactly do I get charged?
On a monthly plan, at the end of each 30-day round, after the letters for that round have gone out and your progress report is delivered. On Results Only, after a bureau or creditor confirms an account was removed. Never before.
How long does it take?
Most cases run 3 to 6 months. Bureaus generally have 30 days to investigate each dispute, so each round takes about a month. Anyone promising results in days is guessing or lying.
Will my score go up?
If inaccurate negative items are corrected or removed, scores often improve, but no one can promise a number. We'll tell you honestly in your free review what looks disputable and what doesn't.
Why can't you help people in Georgia?
Georgia law prohibits for-profit credit repair services. If you live in Georgia, nonprofit credit counseling agencies can help, and you can always dispute errors with the bureaus yourself for free.
What do I need to start?
Your 3-bureau credit report (free weekly at AnnualCreditReport.com), a photo ID and a proof of address such as a utility bill. We'll walk you through it.
Can I cancel?
Yes. Within 3 business days of signing, for any reason, with no penalty. After that, cancel anytime; you're never billed for a round we didn't finish.
INTAKE · FORM TDO-1
Open your case
Free review. No card required. We'll reply within one business day.
What happens after you send this:
- We confirm your state and set up your free review.
- You pull your 3-bureau report and share it securely.
- You get a written plan. Sign up only if it makes sense.
Don't send your Social Security number or account numbers through this form.