Most clients see meaningful results within 30–45 days of their first dispute cycle. Full restoration typically takes 3–6 months depending on the complexity of your credit profile, the number of negative items, and how quickly the bureaus respond. We provide monthly updates so you always know where you stand.

Absolutely. Under the Fair Credit Reporting Act (FCRA), you have the legal right to dispute inaccurate, incomplete, or unverifiable information on your credit report. We exercise those legal rights on your behalf — professionally, ethically, and effectively.

Tradelines are credit accounts (credit cards, loans, etc.) listed on your credit report. When you are added as an authorized user to a seasoned account with a long history, high credit limit, and low utilization, that account appears on your report — boosting your average account age, lowering your utilization ratio, and improving your score. Results typically appear within 30–45 days.

Yes, we challenge all types of negative items — including bankruptcies, repossessions, foreclosures, judgments, medical collections, and charge-offs. While no company can guarantee removal, our dispute process is thorough and persistent. Many of our clients have seen even major derogatory marks removed when they cannot be properly verified by the bureaus.

No. Tradelines work for all credit profiles. They're especially powerful when combined with our credit restoration services — the disputes clean up the negatives while the tradelines add positive history. Together, they can produce dramatic score increases in a short period of time.

Simply complete the enrollment form below. You'll need a recent copy of your credit report (we'll guide you on how to get one for free), a valid government ID, and proof of address. Once enrolled, we handle everything and keep you updated every step of the way.