Service · Disputes
Dispute management
We read all three reports line by line, identify entries that are inaccurate, incomplete or unverifiable, and dispute them under §611 of the Fair Credit Reporting Act — with a method-of-verification request when a bureau comes back “verified” without saying how.
What is actually included
- A line-by-line read of the Experian, Equifax and TransUnion files, not a template letter blast
- Disputes filed under FCRA §611 with the bureau and, where it is the better route, directly with the furnisher under §623
- Method-of-verification requests when a bureau returns “verified” with no description of the procedure used
- Debt validation under FDCPA §809 where a third-party collector is involved
- Every response logged with its date, so the 30-day clock is measurable rather than asserted
What it cannot do
- We will not dispute an item we believe is accurate. Filing a knowingly frivolous dispute wastes the window and can get the whole batch dismissed.
- A bureau may lawfully return an item as verified. When that happens we tell you, and we tell you why.
- We cannot make a bureau delete accurate, verifiable information. Nobody can.
One cycle, end to end
We read the file and you approve the list
All three reports, line by line. Every candidate item is shown to you with the specific defect we think it has — a wrong date, a balance that does not match, a duplicate, an account that is not yours. Items we believe are accurate do not go on the list.
No statutory clock yet. This part takes as long as reading takes.
The dispute is sent, and receipt is logged
Filed with the consumer reporting agency under FCRA §611, or directly with the furnisher under §623 where that is the better route. Mail transit is real and it counts against nobody.
The clock starts when the bureau receives it, not when we send it.
The bureau’s investigation window
A consumer reporting agency must conduct a reasonable reinvestigation, free of charge, and generally complete it within 30 days of receipt. It must forward all relevant information to the furnisher, which has its own duty to investigate.
Extends to 45 days if you supply additional relevant information during the initial 30.
The result arrives, in writing
The bureau must give you written notice of the outcome and a free copy of the report if it changed. You get the full response from us, unedited, with our reading of it.
A response that arrives after day 30 without a valid extension is itself worth acting on.
It ends one of three ways, and one of them is “no”
Most drawings of this process in this industry stop at “deleted”. Here are all three branches, in the order you are most likely to meet them on an accurate file.
- Deleted
The information could not be verified, or the furnisher agreed it was wrong. It comes off, and it cannot be re-inserted unless the furnisher certifies it is accurate and you are notified within five days.
- Corrected
The entry stays but a field changes — a status, a balance, a date of first delinquency. Sometimes this matters more than a deletion, because the seven-year clock runs from that date.
- Verified — it stays
The furnisher confirmed it. This is a normal, lawful outcome and it is the one most likely for an accurate item. We request the method of verification where that is worth doing, and where the entry is accurate we tell you it is staying and stop.
- Deleted
We do not publish an outcome rate. We would have to invent one, and a number invented for a marketing page is exactly the thing this page is arguing against.
Common questions
- Is dispute management charged up front?
- No. Under the Credit Repair Organizations Act no money may be charged or received before the promised services have been fully performed. There is no setup fee, retainer or deposit.
- Can this remove accurate negative information?
- No. Accurate, current and verifiable negative information cannot lawfully be removed from a credit report by anyone. What this service can do is establish whether an entry is accurate in the first place.
- Can I do this myself instead?
- Yes, and at no cost. Every right exercised here is one you already hold. Free reports come from annualcreditreport.com and our do-it-yourself guide sets out the same process we run.