Accounts you do not recognize
Identify the entry, bureau, and any relevant identity-theft concerns. Do not file an identity-theft claim unless it is truthful.
CREDIT REPORT REVIEW
Start with what the report actually says.
A negative entry deserves careful review. The right next step depends on whether the information is accurate and what evidence is available.
Concerns to bring to your review.
Balances and payment history
Compare the reported information with statements or other records you can provide.
Duplicate or outdated information
Gather copies and dates so the team can review the issue in context.
Keep your documentation organized.
Save the relevant credit-report pages, creditor letters, statements, dispute confirmations, and responses. Use the client portal when the team requests documents.
If you have a lawsuit, collection deadline, or legal question, speak with a qualified attorney. A reporting dispute is not a substitute for responding to legal proceedings.
You have a free option.
You may dispute credit-report errors yourself for free. Hiring a credit repair company is optional. Read the CFPB’s guide to credit-repair warning signs and consumer rights.
CREDIT REPAIR OPTIMIZATION
Start your credit transformation today.
Tell us your goal. Understand the process and your next steps with a free initial credit review.