What we do
Four things, in the order they happen.
There is no bronze, silver and gold here, and no package with a name. There is one way of working, and the only question is how much of it your situation actually needs — which is frequently less than you were expecting.
Step 1 · Report review
Reading your three reports
We sit with all three reports — Equifax, Experian, TransUnion — and go line by line until you know what is on them and why.
This does not change anything on your file. It is the reading, not the writing.
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Step 2 · Disputes
Disputing inaccurate items
Where something on a report is genuinely wrong, we help you dispute it under the Fair Credit Reporting Act and follow it through the 30-day investigation.
We do not dispute anything that is accurate. Accurate negative information cannot lawfully be removed.
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Step 3 · Validation
Debt validation letters
When a collector contacts you about a debt, the Fair Debt Collection Practices Act lets you ask them to prove it. We help you ask, properly and in time.
Validation is not a loophole. If the collector validates the debt, the debt is still yours.
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Step 4 · Coaching
Rebuilding coaching
The part that actually moves a file over time: utilisation, on-time payments, a secured card or a credit-builder loan, and a budget you can survive.
We cannot promise a number or a date. Anyone who does is breaking the law.
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Not on the list
Four things we are often asked for and do not sell.
Debt settlement
Stopping payment and negotiating balances down. It damages credit badly, forgiven amounts can be taxable, and it is a different business. We take no referral fee from anyone who does it.
Monthly monitoring subscriptions
You can watch your own file free, weekly, at annualcreditreport.com, and most banks now show a score for nothing. Charging a monthly fee to email you what you can already see is not a service.
Tradeline rental
Paying to be added as an authorised user on a stranger’s old card. Lenders discount it, it can be treated as misrepresentation on an application, and the sellers keep unpleasant company.
Anything involving a “CPN”
There is no lawful credit privacy number for consumer credit. The numbers sold as CPNs are generally stolen Social Security numbers, and it is the person who uses one who gets prosecuted.
Before you sign anything
Three things the law gives you, whoever you use.
No fee before the work is done
A credit repair organisation may not charge or accept payment until the services it promised have been fully performed. Not a deposit, not a setup fee, not a “file activation” charge, not a first month in advance. If anyone asks, that is your answer.
A written contract, before any work starts
It must say what will be done, how long it is expected to take, the total cost, and it must come with a separate written statement of your rights under state and federal law. You get a copy of everything you sign, and you get time to read it at home.
Three business days to cancel, no reason needed
You may cancel without penalty or obligation at any time before midnight of the third business day after signing. The cancellation form comes attached to the contract; you post it or hand it back, and that is the end of it. Nobody will call to talk you out of it.
Nobody here is going to tell you off.
The first conversation is free, it takes about half an hour, and it ends with you knowing what is actually on your file and what can honestly be done about it. If the answer is "nothing we can charge for", we will tell you that, and you will still get the plan.
Not ready to talk to anyone? Take the guide and do it yourself. It is the same method, it costs nothing, and you never have to tell us you used it.