Our services
Credit Services Built Around You
From your first free evaluation to ongoing disputes, here’s how we help you clean up your credit report.
Free Credit Evaluation
We review your reports from all three credit bureaus and record a personal screen walkthrough of what we find. You get a clear picture of your credit before you commit to anything.
Your recorded evaluation covers
- Your full credit evaluation across all 3 bureaus
- Errors, violations, and inaccurate information
- An explanation of disputable items
- Recommended next steps
Credit Repair & Disputes
Once your audit is complete, we challenge negative items that have a legitimate reporting basis using consumer protection laws — and keep you updated along the way.
Credit monitoring through Credit Hero Score ($19.99/mo after a $1 7-day trial) is required while you’re in service. See full pricing.
We challenge
- Inaccurate reporting
- Unverified accounts
- Negative accounts with reporting errors
- Potential reporting violations
Even if you recognize an account, we can review how it’s reporting — balance, dates, payment history, and status — and look for anything inaccurate or incomplete.
Credit Building
Fixing what’s wrong is only half of it. We help you add positive history to your credit profile and build habits that keep your score moving in the right direction long after disputes are done.
We’ll look at your reports and recommend the right next steps for your situation — whether you’re starting from scratch or rebuilding after setbacks.
How we help you build
- A personalized plan based on your credit reports
- Guidance on tools like secured cards and credit-builder accounts
- Keeping balances and utilization in a healthy range
- Building a steady record of on-time payments
- Getting ready for goals like a home, car, or business funding
What can we help you dispute?
Collections, charge-offs, late payments, repossessions, foreclosures, bankruptcies, evictions, medical collections, accounts that aren’t yours, incorrect balances, duplicate accounts, unauthorized hard inquiries, incorrect payment history, wrong account status, closed accounts reported as open, paid accounts reported as unpaid, incorrect credit limits, wrong dates, debts reported too long, incorrect names or addresses, and more.
If information on your credit report is inaccurate, incomplete, outdated, or doesn’t belong to you, we can help you dispute it. Accurate information cannot be removed simply because it’s negative.
Start With Your Free Evaluation
See what’s on your reports and what we can help with — then decide.
Get my credit review