Everything we challenge on your report
If it's inaccurate, outdated, or unverifiable, it's in scope. If it's accurate, we tell you straight and build around it.
Collections
Validation demands and chain-of-title challenges on third-party collectors that can't prove the debt is yours.
Charge-offs
Balance, date-of-first-delinquency, and status accuracy audits — the fields creditors most often report wrong.
Late payments
Goodwill campaigns and reporting-error disputes on 30/60/90-day marks dragging your payment history down.
Bankruptcies & public records
Verification of court-sourced data, including discharge dates and included-account statuses.
Repossessions & foreclosures
Deficiency-balance and duplicate-reporting challenges on secured account defaults.
Hard inquiries
Removal requests for inquiries you never authorized under permissible-purpose rules.
Identity theft & mixed files
Blocking fraudulent tradelines and separating your file from a same-name consumer.
Mortgage-ready rescoring
Fast-track work sequenced with your lender's timeline so you qualify at a better rate.
Not sure which of these are on your file? The audit tells you in 90 seconds.
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