How It Works

Timeline: Days 1–7
We analyze your credit reports to identify inaccurate, outdated, incomplete, or unverifiable items and assess how they impact approvals and fundability.

Timeline: Week 1–2
We determine which items should be addressed first, considering risk, impact, and timing. Not all disputes are submitted at once—strategy matters.

Timeline: Week 2–3
Disputes are prepared and submitted in full compliance with the Fair Credit Reporting Act (FCRA) to the appropriate credit bureaus or data furnishers.

Timeline: Up to 30 Days
Credit bureaus investigate and respond by verifying, correcting, updating, or removing disputed items. We monitor progress throughout this period.

Timeline: After Investigation Completion
We review outcomes with you, update your strategy, and determine next steps to continue improving your credit profile.

Timeline: Ongoing
We continue refining your credit structure and positioning your profile to support funding and long-term financial goals.

Your actions matter. While we handle the dispute process, you can support better outcomes by:

• ✔ Making all payments on time
• ✔ Keeping credit card balances as low as possible
• ✔ Avoiding new credit applications unless advised
• ✔ Not closing accounts without guidance
• ✔ Checking your email for updates or requests
• ✔ Following any personalized recommendations we provide

Small, consistent actions help reinforce the progress being made behind the scenes.

• Results vary by individual profile
• Accurate and verifiable information cannot be removed
• Credit repair is a process—not a quick fix
• Compliance and accuracy are always the priority

When disputes and behavior work together, credit becomes a tool—not a barrier.