What we actually do
21DayCreditSweep helps consumers exercise their rights under the Fair Credit Reporting Act — the federal law that entitles you to dispute information on your credit report that is inaccurate, unverifiable, or outdated, and obliges the bureaus to investigate. We are not a magic eraser and we do not pretend otherwise: legitimate negative items that are accurate stay on your report, and anyone who promises to remove them is selling you a fantasy. What we do is run the dispute process properly, persistently, and on your behalf.
How the program works
Our process is structured and documented at every step:
- Full credit report analysis: we review your reports from all three bureaus and identify items that are inaccurate, incomplete, unverifiable, or beyond the reporting time limits.
- Structured dispute campaigns: customized dispute letters filed with each bureau and creditor, tracked individually with response deadlines.
- Validation demands: requests that collectors and creditors document the debts they report — some negative items cannot survive proper validation.
- Rebuilding guidance: alongside disputes, we help you build the positive credit behavior that raises scores for reasons no letter can.
Our terms, in plain language
We operate on a performance-based fee structure: you pay for results, not promises. We tell you honestly which items on your report are disputable and which are not, what timelines are realistic, and where the program cannot help. Nothing we do requires you to create a new identity, dispute accurate information, or do anything the law does not permit.
Your credit report is a record about you that you are legally entitled to correct when it is wrong. 21DayCreditSweep makes sure your rights under the FCRA are exercised — professionally, transparently, and with results you only pay for when they happen.