The credit you were told you'd never have.
Repair your past, build your future. We dispute the collections, charge-offs, and inquiries dragging your score down, and we do the heavy lifting for you.
- Verified specialist
- Disputes with all 3 bureaus
- Written agreement before we start
We dispute directly with Equifax, TransUnion & Experian. Verified credit specialist. Serving clients nationwide
What we dispute on your report.
We challenge inaccurate, outdated, or unverifiable items with Equifax, TransUnion, and Experian. Every item below links to exactly how we fight it.
Collections
Past-due debts sold to a third-party collector and reported as a separate negative account.
Charge-offs
An account a creditor has written off as a loss after months of non-payment, still owed and still reported.
Hard inquiries
Hard pulls from applying for credit that post to your report and can shave points each time.
Late payments
Payments reported 30, 60, 90 or more days past due.
Repossessions
A vehicle or asset reclaimed after default, reported as a serious delinquency.
Evictions
A record of a prior eviction that can surface in tenant and credit screening.
Child support
Past-due child-support obligations reported to the bureaus as a public-record style negative.
We dispute items that are inaccurate, outdated, or unverifiable. We never promise to remove accurate information.
Here is exactly how it works.
Analyze
We pull and review all three bureau reports together and map every negative item.
Enroll
You pick the plan that matches your report and we build your custom dispute strategy.
Dispute & update
We dispute inaccurate, outdated, or unverifiable items and keep you updated as results come in.
Pick your tier. We do the rest.
Flat pricing with a starting fee and bi-weekly payments, so you can begin without paying the full amount up front. You approve the plan in writing before any work starts.
Platinum
or $100 bi-weekly $150 starting fee
Best for: A few negative items
- Collections
- Charge-offs
- Up to 5 hard inquiries
Gold
or $150 bi-weekly $150 starting fee
Best for: A heavier report
- Everything in Platinum
- Up to 10 hard inquiries
- Late payments
Diamond
or $200 bi-weekly $200 starting fee
Best for: Complex / high-volume files
- 20+ hard inquiries
- Late payments
- Child support
- Evictions
- Repossessions
Results vary by individual. Pricing reflects service fees only and does not guarantee specific score outcomes.
Real clients. Real second chances.
After working with another company and being completely scammed, I'm so thankful for you helping me get this RV.
Straight from their dashboards
Results not typical; individual results vary.
Beginner
to Boss
Credit Repair Virtual Class
From beginner to boss, learn to dispute, know the laws, and build your own credit-repair business.
- Dispute methods
- The laws
- Software training
- Business setup
Self-made, faith-forward, and in your corner.
Monica Rodriguez is a CEO, a mom, and a self-taught credit specialist who built this practice from the ground up. She learned every part of the system, worked it for herself and her family, and then decided nobody else should have to figure it out alone.
No gatekeeping. No judgment. No guessing. Just someone who has been where you are, knows exactly what to do, and handles every step for you.
Founder & CEO · Rio Grande Valley, TX · Serving clients nationwide
See exactly what's on your report. Free.
I pull all three bureaus, map every negative item, and walk you through what can be disputed. One call. No paperwork on your end. No commitment required.
- All three bureaus reviewed together
- Every negative item mapped and explained
- Zero pressure, zero obligation
Free, no obligation
Get your free credit analysis
Submitting this form is not a contract. Results not typical; individual results vary.