Comprehensive, FCRA-compliant credit repair — from aggressive dispute work to long-term score strategy. Pick a single service or let us build a full plan around you.
We challenge inaccurate, outdated, or unverifiable items — late payments, collections, charge-offs, bankruptcies, and more — directly with Equifax, Experian, and TransUnion.
Collectors must prove a debt is yours, accurate, and legally enforceable. When they can't, we request that the item be removed from your report.
Deletions are half the work. We coach you on utilization, tradelines, and account mix to build a score that lasts.
Real-time alerts on every change to your report, plus a clear dashboard so you always know where you stand.
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For legitimate late payments, we draft goodwill letters and negotiate pay-for-delete agreements with original creditors and collectors.
If identity theft trashed your credit, we help you file the right blocks, disputes, and statements to restore your true profile.
To dispute inaccurate items, we need to see what's on your reports. We use SmartCredit to import and track your credit reports and scores from all three bureaus, plus ongoing monitoring, so you always know where you stand.
Get My Reports with SmartCreditREQUIRED: An active SmartCredit account is required throughout the entire credit repair process. We use SmartCredit to access your credit reports, so we cannot work on your file without it.
SmartCredit is a separate service paid directly to SmartCredit. This is an affiliate link. We may earn a commission at no extra cost to you.
If an item is inaccurate, outdated, or unverifiable, the FCRA says it shouldn't be on your report. Here's what we commonly dispute — though we can't guarantee any specific item's removal.
Choose a plan and enroll online in minutes — no phone consultation required. We'll review your reports and get to work on your disputes.
Claim My Free SpotFree service from Elevated Credit Co. A SmartCredit account (separate service) is required.
