How it works
The methodology
behind every file.
A line-by-line walkthrough of how we audit, dispute, and optimize a credit file — and why our approach beats template-letter firms.
The 4-phase playbook
A four-phase
strategy.
Transparent, methodical, built around your specific approval goal — not a generic score target.
Audit
Full three-bureau pull. Every inaccuracy, every stale entry, every dispute opportunity — mapped in a detailed baseline you actually own.
Strategy
A prioritized plan built around what you're trying to qualify for. Approving a mortgage looks different than approving for business capital — and strategy reflects that.
Dispute
Custom-drafted disputes tailored to each item. Direct creditor negotiation where appropriate. Goodwill letters when useful. Monthly progress reports across three bureaus.
Optimize
Once derogatory items clear, we guide utilization, account mix, and new-credit timing so your score reaches its ceiling — not just the next round number.
What we fix
Every derogatory
item has a path.
Here's what we target on a typical file.
Late Payments
30, 60, 90, 120+ day delinquencies across cards, loans, and retail accounts.
Charge-Offs
Accounts written off by the original creditor as a loss.
Collections
Third-party collections — often with questionable chain-of-custody.
Repossessions
Auto and secured-loan repossessions and deficiency balances.
Hard Inquiries
Unauthorized or stale credit pulls quietly dragging your score.
Identity Errors
Mixed files, outdated addresses, incorrect employers, reporting mistakes.
Bankruptcies
Discharged bankruptcies and the tradelines attached to them.
Public Records
Judgments, liens, and other derogatory public-record data.
Your turn
Want a precision-built
plan for your file?
Free 1-on-1 credit analysis. No commitment. We'll pull your file, identify every dispute opportunity, and map a real plan to your approval goal.