Professional Credit Disputes
Challenge inaccurate, incomplete, or unverifiable items on your credit report with our proven dispute process.
Start Your DisputesOur Meticulous Dispute Process
Successfully removing inaccuracies from your credit report requires a strategic and persistent approach. Our process is built on a deep understanding of the Fair Credit Reporting Act (FCRA), the federal law that gives you the right to an accurate credit report. We handle every step of the process, from initial analysis to follow-up correspondence, ensuring full compliance and maximizing your chances of success.
We don't rely on generic, template letters. Each dispute is custom-crafted based on the specific details of the inaccuracy and your credit history. We communicate directly with the credit bureaus (Experian, Equifax, and TransUnion) and, when necessary, the original creditors to validate the information they are reporting. Our goal is not just to remove negative items, but to ensure your credit report is a fair and accurate reflection of your financial history.
What We Can Dispute
Our experts identify and challenge various types of inaccurate information that may be hurting your credit score. According to a 2021 study by Consumer Reports, over a third of consumers found at least one error on their credit report.
Late Payments
Payments incorrectly reported as late when they were made on time
Collections
Collections that are inaccurate, outdated, or not yours
Charge-offs
Accounts charged off but still showing active balances
Bankruptcies
Bankruptcy information that is inaccurate or outdated
Foreclosures
Foreclosure records with incorrect dates or amounts
Identity Errors
Accounts or information that belongs to someone else
Dispute Service FAQs
How long does the dispute process take?
By law, credit bureaus have 30-45 days to investigate a dispute. You can typically expect to see initial results within this timeframe. The entire process for multiple items can take several months, depending on the complexity and responsiveness of the creditors.
What if a disputed item is verified as accurate?
If a creditor verifies the information, the item will remain on your report. At this point, we shift our strategy to other potential avenues, such as negotiating a "pay-for-delete" agreement or exploring other options for addressing the account as part of your overall Home-Ready Journey.
Can I dispute items myself?
Yes, you absolutely have the right to dispute items on your own under the FCRA. However, many people choose our service for our expertise, time-saving convenience, and our systematic approach, which often yields better and faster results.
What kind of documentation do I need to provide?
Initially, we only need your credit reports. If you have any documentation that supports your claim (e.g., proof of payment, court records, identity theft reports), providing it can significantly strengthen your dispute.
Does removing a negative item always increase my score?
Usually, but not always. Credit scoring models are complex. Removing an old collection account, for example, might have a smaller impact than removing a recent late payment. The biggest score increases typically come from removing serious, recent negative items.
Next Steps
Once your disputes are underway, it's time to focus on other aspects of your credit health. Explore our other services to continue your Home-Ready Journey.