Account Service
Remove damaging negative items from your credit report to improve your score and increase your chances of credit approval.
Negative Item Removal Service
Negative items on your credit report can have a significant impact on your credit score and make it harder to qualify for loans, credit cards, or other financial products. Our specialized removal service targets delinquent accounts, collection items, and other damaging entries that may be unfairly affecting your creditworthiness.
By removing negative items such as a delinquent account or a collection item from your credit report, you can potentially improve your credit score and increase your chances of being approved for credit in the future. Our expert team uses proven strategies and legal methods to challenge questionable negative items.
Collection Removals
Target and remove collection accounts that are damaging your credit score.
Delinquent Account Removal
Challenge and remove delinquent payment records that shouldn't be on your report.
Charge-Off Removals
Work to remove charge-offs that are preventing you from getting approved for credit.
Late Payment Removals
Remove late payment marks that are lowering your credit score unnecessarily.
How Our Negative Item Removal Process Works
A systematic approach to removing damaging items from your credit report
1
Legal Expertise
We leverage our deep understanding of credit laws to help clients dispute inaccuracies and improve their scores legally and ethically.
2
Financial Education
We believe in empowering our clients through education, providing resources to help them maintain good credit long-term.
3
Personalized Service
Every client receives a customized credit repair plan based on their unique situation and financial goals.
Ready to Improve Your Credit?
Fill out the form to get started with our Account Dispute service. One of our credit specialists will contact you within 24 hours to discuss your specific credit situation and recommend the best plan for your needs.
No Upfront Fees
Target and remove collection accounts that are damaging your credit score.
Cancel Anytime
No contracts or long-term commitments required.
Results Guaranteed
If we don't remove any items in 90 days, you get a full refund.
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Frequently Asked Questions
How long does the dispute process take?
The dispute process typically takes 30-45 days per round of disputes. Most clients see significant results within 3-6 months, but the timeline can vary based on the complexity of your credit issues and the responsiveness of creditors and credit bureaus.
Is credit repair legal?
Yes, credit repair is completely legal. The Fair Credit Reporting Act (FCRA) gives you the right to dispute any information on your credit report that you believe is inaccurate, incomplete, or unverifiable. We help you exercise these rights effectively.
How much will my credit score improve?
Credit score improvements vary based on your unique credit profile. Clients with more negative items typically see larger improvements. On average, our clients see a 50-100 point increase within 6 months, but results can be higher or lower.