From distressed to dialed-in.
Credit repair the way it actually works: file FCRA Section 611 disputes, leverage state consumer-protection statutes, and clear the items that drag your score. Average 87-point lift in 90 days.
- →FCRA + FTC CROA-bonded
- →Florida § 817.7001 · TX DTPA · CA Rosenthal Act
- →61,450+ disputes processed
- →No SSN at consultation · soft pull only
Credit repair where you live.
State-specific compliance + city-level intent. Florida § 817.7001 cooling-off period, Texas DTPA, California Rosenthal Act + DFPI oversight — each silo built on the strongest leverage available in that jurisdiction.
Miami
Miami-Dade post-2008 foreclosure legacy means active dispute opportunities — charge-offs, collections, and judgment removals run higher than the FL average.
Tampa
Tampa-St. Pete metro carries Hillsborough County credit distress — Florida's 3-day cooling-off period gives you a guaranteed safety net other states don't have.
Jacksonville
Duval County tech and financial workforce + M.D. Florida bankruptcy court presence in Jacksonville drives a unique mix of post-Ch7/Ch13 rebuild + millennial-debt repair demand.
Texas
Texas DTPA + Finance Code Title 5 + the Texas advantage of NO cooling-off period means your disputes can start the same day. Houston energy-sector debt and Dallas corporate restructuring drive premium repair demand.
California
California's Rosenthal Act covers original creditors (broader than federal FDCPA), and CA Civil Code § 1785 + DFPI oversight under SB 825 give California consumers more leverage than any other state.
Florida
Florida § 817.7001 caps upfront fees and mandates the 3-day cooling-off period — a safety net most states don't have. Combined with FCRA Section 611 disputes, Florida residents have the strongest consumer leverage in the Southeast.
The items pulling your score down. The ones we know how to remove.
Charge-Off Removal
68%Severe 7-year mark. Paid charge-offs still hurt — dispute strategies that actually work.
Late Payments
74%Most common negative. 30/60/90-day tiers each need a different removal play.
Bankruptcy
61%Chapter 7 = 10 years. Chapter 13 = 7. Discharge errors create dispute openings.
Collections
78%FDCPA leverage + debt validation requests beat collectors at their own paperwork.
Foreclosure
59%7-year mark. Mortgage re-qualification timeline accelerates with strategic disputes.
Repossession
66%Deficiency balance errors + voluntary-surrender mis-coding open dispute pathways.
Judgments
82%Post-2017, most judgments fell off reports. Lingering ones = dispute targets.
Hard Inquiries
85%10% FICO weight. Unauthorized inquiries = quick removable wins.
FCRA Section 611. 30 days. Verify or remove.
Pull your tri-merge report
We pull all three bureaus and identify every dispute opportunity item-by-item. Soft pull only.
File FCRA disputes + state escalations
Certified-mail FCRA Section 611 disputes to bureaus + furnishers, plus state-statute escalations (FL § 817.7001 / TX DTPA / CA Rosenthal) where leverage exists.
30-day investigation window
Bureau must verify the item or remove it. Average 7.4 removals per client. Average 87-point score lift in 90 days.
Credit repair, asked & answered.
Under the FCRA Section 611, you have the right to dispute any item on your credit report you believe is inaccurate, incomplete, or unverifiable. We file certified-mail disputes on your behalf to the bureaus (Equifax, Experian, TransUnion) and the original furnisher. The bureau has 30 days to investigate. If they can't verify the item, they must remove it. We escalate with state-statute leverage (FL § 817.7001, TX DTPA, CA Rosenthal Act) where applicable.
Lock in your free score review.
Tell us your score range, top concerns, and goals. A FCRA-trained specialist will call within 5–15 minutes with every dispute opportunity on your report.
- → Every dispute opportunity on your report identified
- → No SSN required at consultation
- → 5-15 minute callback from FCRA-trained specialist
- → No obligation. No hard credit pull.