Not repair for its own sake. Repair that unblocks funding.
This is a service inside the funding work, not a product we sell on its own. If your file already clears the floor, we will tell you that and skip straight to the funding.
Every item gets sorted into one of three piles.
Volume loses. Mass-filed disputes get closed as frivolous and generic letters get processed as form letters. The only thing that works is naming a specific defect on a specific account.
Dispute
Items where the bureaus contradict each other, report past the legal window, or list an account without the data needed to verify it. Specific defect, specific account.
Pay down
Utilization problems. No letter fixes a maxed card. We tell you which balance to hit first and roughly what it is worth in points.
Leave alone
Most items, on most files. Accounts that are legitimately yours and reported correctly stay exactly where they are.
Utilization moves faster than disputes.
A dispute round takes about thirty days and may change nothing. Paying a card from ninety percent down to below thirty can move a score in a single reporting cycle.
So the plan usually starts with balances, not letters. That is unglamorous and it is also the fastest route to a file that gets approved.
It is also why we ask what you can realistically put toward balances before we promise you a timeline. The two are the same question.
The limits, before you ask.
- We do not remove accurate information. Nobody can. Accurate, current, verifiable items stay on the report until they age off. Anyone who tells you different is selling something that will not work.
- We do not dispute accounts you actually hold. Including the inquiries that produced them. Disputing your own open account wastes a round and can cost you the account.
- We do not promise a number or a date. What your file can do depends on what is in it. You will get an honest read on the first call, including when the answer is that credit is not your problem.
- We do not take payment before the work is done. You are billed for work already completed, never in advance.