Collections, charge-offs, late payments, repossessions — if an item on your report is inaccurate, unverifiable, or unfair, federal law says it comes off. We do the disputing — or hand you the software to do it yourself.
Bureaus don't verify what creditors send them — they just publish it. That error is why you were denied, why your rate is higher, why the apartment said no. Most people never dispute it because the process is deliberately exhausting.
Mortgage, auto loan, or business credit turned down because of items that shouldn't be there — or aren't even yours.
A 580 versus a 720 can mean tens of thousands more in interest over the life of a single car or home loan.
Online dispute portals are built to close your case in 30 seconds. We dispute in writing, on the record, with escalation.
No paperwork marathon. Book the review and we handle the rest from there.
A 20-minute call. We pull up your reports together and show you exactly which items are challengeable — and which aren't.
We build your file and prepare your first full dispute round across all three bureaus. Your specialist walks you through every step.
Certified challenges go out under the FCRA. Track every item in your portal, updated every 24 hours, from any device.
Every deletion is confirmed in writing by the bureau and reflected in your portal. You'll know exactly what came off, and when.
Your specialist prices the program on your free review, once we've both seen what's actually on your reports.
Nothing is charged on the review call. You decide after you see your report.
A typical engagement, start to finish:
Under the Credit Repair Organizations Act you may cancel this contract without penalty or obligation within 3 business days of signing. We will never ask you to pay before work is performed.
"I had two collections I'd been fighting on my own for a year. VIP got both deleted in the second round. Closed on my house in April."
"Lo que más me gustó fue que todo me lo explicaron en español y solo pagué por lo que se eliminó. Nada de cargos mensuales."
"I'm a realtor. I send every buyer who gets declined to VIP now. They come back mortgage-ready and I close the deal. It's that simple."
We challenge any item that is inaccurate, incomplete, outdated, unverifiable, or reported unfairly — across all three major bureaus and directly with the furnisher.
We do not remove accurate, current, and verifiable information — no one legally can, and anybody who promises otherwise is lying to you.
Your specialist walks you through setting up credit monitoring on your onboarding call so we can track bureau responses in real time. We'll send you a secure link — never send passwords by email or web form.
Get direct access to the same dispute engine our team uses. You generate the letters, you approve every one, you stay in control the whole way.
100% self-service · All 3 bureaus · No setup fee · Cancel anytime
Not sure which route fits you? and we'll tell you straight.
If you're a realtor, mortgage broker, auto dealer, insurance agent or lender, every declined client is revenue walking out the door. Send them to us. We work the file, they come back qualified — and you close the deal you already earned.
You and your client both see live file progress from any computer or phone. No calling us for updates.
Co-branded referral links, flyers and email templates so you can send clients over in one click.
Full English and Spanish service, so you never lose a client to a language barrier.
Client data is encrypted end to end. Your referrals are handled the way you'd handle them.
Clients get taught how to keep the score they earn — so they stay qualified through closing.
Automatic alerts the moment a referred client hits a milestone or becomes loan-ready.
Bureaus have 30 days to respond to a dispute by law. Most clients see their first deletions within 30–45 days. A full file typically takes 3–6 months depending on how many items are being challenged and how aggressively the furnishers respond.
The DIY dispute software is $99/month — fully self-service, all three bureaus, no setup fee, cancel anytime (optional print and first-class mailing is $2 per letter). Full-service pricing depends on what's actually on your reports, so your specialist quotes it on your free review once you've both seen the file. Nothing is charged on that call.
No — and neither can anyone else. Accurate, current, verifiable information stays. What we challenge is the enormous volume of data that is inaccurate, incomplete, outdated, misreported, duplicated, or that the furnisher simply cannot verify when legally required to. That category is far larger than most people realize.
No. Filing a dispute is a consumer right protected under the Fair Credit Reporting Act and carries no score penalty. Scores move when items are removed or when your file changes — not from the act of disputing itself.
Yes, so we can see bureau responses in real time rather than waiting on mailed letters. Your specialist sets it up with you on your onboarding call and sends a secure link. We will never ask you to email or type your password into a web form.
Any time, for any reason. Under the Credit Repair Organizations Act you also have the right to cancel the contract without penalty or obligation within 3 business days of signing it.
Sí. Nuestro equipo es completamente bilingüe — atención, llamadas de revisión y documentos disponibles en inglés y español.
Yes. Nothing is charged on the review call. We look at your reports together, tell you honestly what's realistically removable, and you decide from there. If we don't think we can help you, we'll say so.
Twenty minutes. No cost. No obligation. Walk away knowing exactly where you stand.
20 minutes, no cost, no card required. Tell us where to reach you.
Choose any open slot. You'll get a confirmation email and a reminder text.
Please select a day and a time.
We've sent a confirmation to your email.
Before your call: have a rough idea of which accounts are giving you trouble. You don't need your reports — we'll pull them up together.
Need to reschedule? Call (201) 716-1616