Fair Credit Reporting (FCRA)
Correct the record. Restore your credit standing.
A single inaccurate tradeline — a settled account still reported as delinquent, a debt that is not yours, a duplicate listing, or a re-aged date of first delinquency — can raise the cost of every loan you take. The Fair Credit Reporting Act requires bureaus and the companies that furnish data to investigate disputes and correct what they cannot verify.
What's included
Full tri-bureau report review
We read your reports line by line and identify every inaccurate, incomplete, or unverifiable entry.
Formal disputes and reinvestigation
Written disputes that trigger the bureaus' statutory investigation duties, with documentation attached.
Furnisher accountability
Where the original creditor or collector keeps re-reporting bad data, we pursue the furnisher directly.
FCRA damages claims
Willful or negligent violations can support actual damages, statutory damages, and attorney's fees.
How it works
- 1Pull and review all three credit reports
- 2Identify inaccurate, duplicated, or re-aged entries
- 3File documented disputes with bureaus and furnishers
- 4Escalate unresolved items through FCRA litigation
- 5Confirm corrections appear on the updated reports