Is tri-bureau tracking 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.

Service · Tracking

Tri-bureau tracking

Your three files are not the same file. Furnishers choose which bureaus they report to, so an account can be perfect on one report and missing from another. We track all three side by side and show you the divergence.

What is actually included

Monthly snapshots of all three files with every change flagged and dated
A divergence view: which accounts report to which bureaus, and which do not
Alerts on new inquiries, new collections and changes to reported balances or limits
Every chart on your dashboard has a table view, so nothing is locked behind a hover
Export of the whole history at any time, including after you cancel

What it cannot do

We read your reports; we do not write to them. Only a furnisher or a bureau can change what is reported.
A tracking chart shows what happened. It is not a forecast, and we do not draw one.

What divergence looks like

Three bureaus, one sample file, twelve months

AugExperian644Equifax629TransUnion646

Illustrative demonstration data. The three lines move on identical underlying behaviour; the gap between them is furnisher coverage, not performance.

Every value, as a table

Three bureaus, one sample file, twelve months. 3 series over 12 points, from Sep to Aug, on a scale of 590 to 650. Experian starts at 612 and ends at 644; Equifax starts at 598 and ends at 629; TransUnion starts at 621 and ends at 646.
Point	Experian	Equifax	TransUnion
Sep	612	598	621
Oct	610	601	619
Nov	615	599	624
Dec	618	606	622
Jan	617	611	628
Feb	624	610	627
Mar	629	618	626
Apr	631	622	633
May	636	620	638
Jun	634	627	641
Jul	641	631	639
Aug	644	629	646

Common questions

Is tri-bureau tracking 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.

At a glance

Billed: After the work
Advance fee: None
Cancellation: 3 business days
Contract: Written
Bureaus covered: 3

Start a free file review See what it costs

Required notice

You can do all of this yourself, for free

You have the right to dispute inaccurate information in your credit report yourself, at no cost, by contacting the consumer reporting agency directly. Nothing we do requires a fee to be effective. Everything on this page is a right you already hold under the Fair Credit Reporting Act.

Get your free reports from the only federally authorised source: annualcreditreport.com. Do not pay a site that charges for them, and do not use a lookalike domain.

Our free do-it-yourself guide is the same process we run for clients, written out in full: how to read the file, what a dispute must contain, the addresses, the statutory windows, and what to do when a bureau answers “verified”. It asks for no email address and sells nothing.

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