Services · Credit repair

Correct what is wrong on your report.

Errors on credit reports are common: an account reported twice, a late payment that was on time, a balance that was paid. We find them across all three bureaus and dispute them properly, in writing, with you reading every letter first.

Call CAG Ask us a question first

Soft pull only
You read every letter first
No fee before work is done

One tradeline, three bureaus

Mismatch

Experian · reported 30 days lateThe March 2024 payment is marked late.
Equifax · paid as agreedNo late payment appears for the same month.
TransUnion · paid as agreedNo late payment appears for the same month.

Your bank statement shows payment on March 12. One bureau disagrees with the other two and with your record — an inaccuracy worth disputing. Illustrative example, not a real person’s file.

What credit repair is, and what it is not

A dispute is a request that a credit bureau investigate something in your file. It is a question, not an eraser. The only items that can come off your report through a dispute are the ones that turn out to be wrong, incomplete, or that the company reporting them cannot verify.

So the work is reading. We go through your file line by line with you, and we separate what looks wrong from what is simply bad news reported correctly.

Accurate information cannot be removed

If an item on your report is accurate, current, and the furnisher can verify it, it stays until it ages off on its own schedule. Nobody can dispute it away, including us. We will never ask a bureau to remove something we know to be correct, and we will never advise you to. That is the line we work behind, and it is the law we work under.

Who this is for

This service fits a specific situation: there is something in your file you believe is not right.

This is probably your situation if

You see an account you do not recognize, or one that was opened in your name without your knowledge.
A balance, a credit limit, a payment date, or a status is reported differently from what your own records show.
A collection appears twice, or the same debt shows up under two different collectors.
An account you settled or paid off still shows an outstanding balance.
A bankruptcy, judgment, or late payment is older than the reporting period allows, or is not yours at all.
Your three reports disagree with each other and you do not know which one a lender will read.

This is not the right fit if

The negative items are accurate and recent — you know the late payments happened. Nothing we do changes a correct record.
Your file is thin rather than damaged. If there is little history in it, credit building is the service you want.
You are expecting a specific score by a specific date. We cannot offer that, and anyone who does is not being straight with you.
You want an account presented as belonging to someone else, or a second file opened under a different identifier. We do not do that and we will end the conversation there.

Not sure which side you are on? That is a normal place to start. Tell us what you are seeing on your report and we will say so honestly — reach out before you enroll.

What actually happens

Here is the sequence, in order, and what you see at each stage.

Step 1: We pull and review all three reports together
Equifax, Experian, and TransUnion hold separate files, and they rarely match. You either give us your own copies or sign a written authorization letting us obtain them. We read all three side by side so we are looking at your whole picture rather than one third of it.
Step 2: We build an item-by-item picture with you
We go through every account, collection, inquiry, and public record with you on the phone or on a screen share. For each one you tell us what you remember and what your own paperwork says. We mark each item as one of three things: it looks inaccurate, it looks incomplete or unverifiable, or it is accurate and it stays. You see that list. There are no items we work on that you have not seen.
Step 3: We prepare and send disputes that have a basis
For the items with a good-faith basis, we write the dispute — what is wrong, what the correct information is, and what supports it — and send it to the bureau, and where appropriate directly to the furnisher who reported it. We send these on your behalf under your written authorization, in our own name as your representative. We never write to a bureau as though we were you. You get a copy of everything we send.
Step 4: The bureau investigates
By law a bureau generally has 30 days to investigate a dispute, which can extend to 45 days in some circumstances, such as when you send additional information during the investigation. This part is out of our hands and out of yours. We tell you the date we sent each dispute so you know when to expect a response.
Step 5: We read the results with you
The bureau writes to you directly with the outcome. Forward it to us and we will go through it with you: what changed, what did not, and why. An item can be corrected, deleted, verified as reported, or updated in a way that does not help much. We will not spin a verified result as progress.
Step 6: We decide the next step for anything still in question
If an item was verified but you still have records that contradict it, there may be a further step — a dispute directly with the furnisher, a request for the method of verification, or adding a statement to your file. If an item was verified and the evidence says it is correct, we tell you that and we stop. The loop repeats only for items genuinely still in question.

What we need from you

Bureaus will not act on a dispute unless they can confirm who is asking. Gathering these four things is most of the work on your side.

Documents

A government photo ID — a state driver license or ID card, a US passport, or a military ID. A clear photo of the front and back is fine.
Proof of your current address — a utility bill, bank statement, lease, or insurance statement from the last 60 days showing your name and the address on your report.
Your credit reports from all three bureaus, or a signed authorization letting us obtain them for you. You can get your own free reports at annualcreditreport.com.
Anything that supports a correction: a payoff letter, a settlement agreement, a bank statement showing a payment, a police report or identity theft affidavit if an account is not yours.

Effort, over the months it runs

One review session at the start, usually 45 to 60 minutes, going through the file with us.
Forward every letter you receive from a bureau or a collector, ideally within a few days. These letters go to you, not to us, and a result we never see is a result we cannot act on.
Answer a question about a specific account when we have one — usually a short call or a text.
Tell us straight away if something changes: a new collection, a new address, a new account, a lawsuit.

What this does not promise

Read this part before you enroll. It is the same thing we would tell you on the phone.

No item, no score, no date

We do not promise that any item will be removed or corrected. We do not promise a credit score, a number of points, or a range. We do not promise a timeline. We cannot tell you what a lender will decide about you afterwards. It is possible to go through this whole process and have nothing on your report change.

A deletion is not always permanent

If a bureau removes an item because the furnisher did not verify it in time, the furnisher can later reinvestigate, verify it, and report it again. The bureau must notify you if that happens. A removal is an outcome of an investigation, not a guarantee about the future.

What we will not do, ever

We will not dispute information we believe to be accurate. We will not advise you to misstate anything to a credit bureau, a collector, or a lender. We will not help you obtain or use a new credit identity, a CPN, or any substitute identifying number — those are not legal workarounds and using one can be a federal crime. And we do not treat the number of disputes as the strategy; filing dozens of unsupported challenges is not work, it is noise, and bureaus can dismiss it as frivolous.

Two rights you have, whatever you decide

You can dispute inaccurate information in your own file yourself, for free, by contacting Equifax, Experian, and TransUnion directly. You never need to pay anyone — including us — to exercise that right. And if you do sign with us, you can cancel the agreement for any reason, without paying anything, within three business days under federal law or five days under Florida law, whichever ends later. Ask us for both rights in writing through our contact page.

Timing, and what it costs you to start

These are the ranges we typically see, not commitments. Your file is not the typical file, and none of this is a promise about your result or your dates.

Typical stage lengths

Getting your documents together and reviewing the file: usually the first one to two weeks, driven almost entirely by how fast the ID and proof of address arrive.
Preparing the first round of disputes: a few days after the review, once you have seen the item list and agreed with it.
A bureau investigation: generally up to 30 days, extending to about 45 in some circumstances.
Reading the results and deciding the next step: a few days after the letters reach you.
Items still in question: another cycle of the same length, which is why this work is usually measured in months rather than weeks.

Why the range is wide

How many items are genuinely in question — a single misreported balance is not the same job as eight accounts across three bureaus.
How quickly bureau and collector letters reach us after they reach you.
Whether a furnisher responds at all, and whether it responds inside the window.
Whether an item needs supporting paperwork you have to request from somebody else.
Whether new items appear on your file while the work is under way.

Nothing is charged until the work is done

We do not charge you for any service before that service has been fully performed. There is no upfront fee to enroll and no advance payment. Before you sign anything you get the written disclosure the law requires and the full agreement to read, and your right to cancel runs from the day you sign: three business days under federal law or five days under Florida law, whichever ends later.

Often paired with

You can be enrolled in more than one of our services at the same time. These are separate paths, not upgrades.

Credit building

Correcting an error removes something that should not be there. It does not add positive history that was never established. If your file is both wrong in places and thin in others, these two run alongside each other.

Business funding

Underwriters usually look at the owner’s personal credit as well as the business. If you are working toward funding, the personal file is often the real obstacle, which is where this service starts.

For the whole picture — enrollment, the disclosure you receive, how we communicate, and how billing works — read how it works.

Start with a look at your actual reports

Bring us what you are seeing on your file and we will tell you which items look disputable and which ones are accurate and going to stay. If there is nothing we can honestly work on, we will say that instead of enrolling you.

Call CAG Talk to us first

Ask for the required written disclosure and the full agreement before you sign anything. No fee is charged before the agreed work is performed. For credit repair and credit building, you can cancel for any reason within three business days under federal law or five days under Florida law, whichever ends later.