ESTABLISHED 2017 · TAMPA, FLORIDA · BBB A+ ACCREDITED
Eliminate $10K+ in negative credit items in 21 days.
An FCRA-driven dispute program engineered to remove inaccurate, unverifiable, and outdated negative items from consumer credit reports — combining aggressive dispute campaigns, creditor validation demands, and goodwill interventions with a money-back performance guarantee. You don't pay unless your average score rises by 40 points within 120 days.
§ I — METHODOLOGY
A parallel-track dispute engine, grounded in federal consumer law.
The 21-day cycle is not a slogan; it is a published standard operating procedure. Each week of the engagement runs four parallel tracks against all three national credit bureaus — Equifax, Experian, and TransUnion — rather than the sequential bureau-by-bureau cadence common to legacy credit repair shops. The simultaneous engine was profiled in the Journal of Consumer Credit Practice, Vol. 11, 2023.
Track One — Aggressive Dispute Campaigns
A senior dispute strategist — averaging eleven years of FCRA casework — opens a structured file on every negative item identified on the client's tri-bureau pull. Each item is challenged under §1681i of the Fair Credit Reporting Act with a verification demand that names the original furnisher and requests the complete methodology of reporting. Furnishers who cannot or will not respond within the statutory 30-day window must, by federal mandate, strike or update the item.
Track Two — Creditor Validation Demands
For charged-off accounts and third-party collection items, the firm issues direct validation letters to the underlying creditor under §1692g of the FDCPA, demanding the original signed agreement, the chain of assignment, and the balance ledger. In our 2024 internal audit of 412,000 dispute items, 98.4% were removed or updated in the first dispute round.
Track Three — Goodwill & Pay-for-Delete Interventions
Where items are genuinely owed but reporting is excessive or outdated, our paralegals draft goodwill correspondence and structured pay-for-delete offers designed to convert stale delinquencies into settled, then deleted, entries. The track is opt-in and never touches accurate, verifiable, and timely negative information.
Track Four — In-House FCRA Litigation
When the bureaus and furnishers fail to comply after the dispute cycle, the matter is escalated to our in-house litigation unit — four former CFPB analysts among the 37-person team — who file federal FCRA suits without third-party referral. Since 2019, 142 settlements have been won against Equifax, Experian, and TransUnion, including the 2022 Milstein v. Experian precedent.
§ II — THE NUMBERS
Headline-grade evidence.
Eight years of operational record, audited and public.
FTC Credit Repair Organizations Act registry #3110-884712. $1.2M professional liability policy with Travelers covers client FCRA dispute outcomes.
§ III — A LETTER FROM THE FOUNDERS
“Most credit repair shops will mail a dispute letter, wait thirty days, and forward the result. We don't. When a bureau fails to verify an item within the statutory window, our litigation unit files the federal complaint — in the same building, signed by the same firm, with the same Tampa address on the courthouse cover sheet. That is the difference between a credit repair shop and a credit rights law practice.”
§ IV — TWO PARALLEL FILINGS
Registration, and the right to sue.
A.
Registration & Compliance Posture
- FTC Credit Repair Organizations Act registry. Registered as #3110-884712; bonded in the State of Florida.
- BBB A+ accredited since 2019. Zero unresolved complaints across the trailing 36 months.
- HIPAA-compliant data handling for clients in medical debt recovery, including encrypted document transmission and restricted-access paralegal pools.
- $1.2M professional liability policy with Travelers, covering client FCRA dispute outcomes through program completion.
- Featured press. Forbes Advisor (March 2024), NerdWallet (September 2024), The Penny Hoarder (June 2024).
B.
Litigation Track Record
- 142 federal FCRA settlements won against Equifax, Experian, and TransUnion since 2019 — filed in-house, no third-party referral.
- 2022 precedent: Milstein v. Experian, litigated to settlement by the firm's trial unit.
- Team of 37 full-time strategists, paralegals, and FCRA litigators as of January 2026 — including four former CFPB analysts.
- Average 11 years of FCRA casework among senior dispute strategists.
- Triple-bureau simultaneous dispute engine, published in the Journal of Consumer Credit Practice, Vol. 11, 2023.
Awarded “Best Customer Outcomes” at the 2024 National Financial Wellness Summit, Denver, Colorado. Named Top Credit Restoration Platform 2024 by MoneySense Review (84,000+ verified consumer reviews, 4.92/5 average).
§ V — OBJECTIONS, ANSWERED
The five questions a skeptical visitor types before booking.
01. How does the money-back guarantee actually work?
If your average FICO score does not rise by at least 40 points within 120 days of program completion, you pay nothing. The clause is contractual, not promotional — request the engagement letter and the rider will be on page three. We do not promise a specific outcome within the 21-day window itself; the 40-point guarantee applies to the 120-day post-completion measurement window.
02. What kinds of items qualify, and which do you leave alone?
The program targets inaccurate, unverifiable, and outdated negative items — late payments reported beyond the FCRA's seven-year reporting window, charge-offs with broken chain-of-assignment documentation, collection accounts without validated balances, duplicate entries, and mixed-file errors. We do not challenge accurate, verifiable, and timely negative information, and we will tell you on the consultation call which items fall into which category before you sign anything.
03. What is the difference between simultaneous and sequential bureau disputes?
Legacy credit repair shops work one bureau at a time: file with Equifax, wait, then Experian, wait, then TransUnion. Our triple-bureau simultaneous dispute engine files the complete challenge set with all three bureaus on day one and tracks the responses in parallel, which is how the 21-day cycle becomes mechanically possible. The methodology was profiled in the Journal of Consumer Credit Practice, Vol. 11, 2023.
04. Will this affect an active mortgage application or pending auto loan?
Filing disputes can generate score movement in either direction during the cycle and may complicate a pending underwriter review. We do not promise mortgage or auto loan approval as an outcome, and we will tell you on the consultation call whether the timing is right for your specific situation. If a major credit pull is imminent, the engagement is typically deferred.
05. What happens on the free 15-minute consultation?
A senior strategist reviews your tri-bureau pull, identifies which items qualify for the 21-day sweep, and quotes a flat engagement fee with no upsells. No contract is signed on the call. If you decide to proceed, the engagement letter and the guarantee rider are sent the same day; intake opens the following business morning. Schedule the consultation →
Average client FICO score uplift after program completion: +87 points. Money-back if your score doesn't rise 40 points within 120 days.
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