ESTABLISHED 2017 · TAMPA, FLORIDA · FREE CREDIT ANALYSIS
Schedule Your Free Credit Analysis.
Fifteen quiet minutes with a senior dispute strategist. No pitch deck, no upsell, no obligation — just a working review of what's hurting your file and whether the 21-day sweep is the right fit. If we can't move your score, you don't pay.
Start My 21-Day Credit SweepBacked by the 21DayCreditSweep money-back performance clause: less than a 40-point average lift within 120 days, and the engagement is refunded in full.
- A+ BBB accredited since 2019 · zero unresolved complaints in the trailing 36 months
- 8yrs Operating from Tampa, FL · founded 2017 by Marcus Hall & Diana Reyes
- 18,400+ Paying clients served across all 50 U.S. states and 9 Canadian provinces
- 40+ Minimum-point guarantee, or your engagement fee is refunded in full
STEP ONE — BOOK A 15-MINUTE CALL
Pick a time. We'll handle the rest.
Choose any open slot on the strategist's calendar. Calls run strictly fifteen minutes, are conducted by a U.S.-based FCRA caseworker, and never auto-renew into a paid engagement — you decide after the review whether to proceed.
STEP TWO — OR START INTAKE BY FORM
Tell us what you're carrying.
Prefer not to call yet? Submit the intake form and a senior strategist will reach out the same business day with a written assessment and a booking link. Same queue, same review — your choice of door.
BEFORE THE CALL
What to bring so the fifteen minutes count.
We've engineered the consultation to be a working session, not a sales call. The more you can bring to minute one, the more precise the strategy you'll leave with.
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01
Tri-bureau credit reports, fresh within 30 days.
Pull free weekly copies at AnnualCreditReport.com from Equifax, Experian, and TransUnion. Screenshots or PDFs both work — your strategist will mark each disputed item live during the call.
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02
Government-issued photo ID.
Driver's license, passport, or state ID. We verify identity before any dispute is filed on your behalf — a CFPB-aligned safeguard against fraudulent account manipulation.
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03
A short list of the accounts you want addressed.
Collector names, charge-off dates, late-payment markers — whatever is bothering you most. If you don't have it written down, the strategist will help you build it from the reports on the call.
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04
Your target score or approval goal.
A specific mortgage rate quote, an auto loan pre-approval you'd like to clear, or a target FICO band. It shapes which items we prioritize inside the 21-day cycle.
The 15 minutes covers: a tri-bureau item review, a likely-disputable vs. likely-verifiable breakdown, a written timeline of the 21-day sweep, and a candid answer to whether the program is the right fit at all. If it isn't, we'll tell you that on the call and refer you to a nonprofit credit counselor free of charge.
FOUR QUESTIONS, ANSWERED PLAIN
What hesitant visitors ask before they book.
How is the program priced, and what does the money-back clause actually cover?
Engagements are flat-fee per negative item cluster, billed in two installments — one at intake, one at the 21-day dispute round close. The performance clause is straightforward: if your average FICO score across the three bureaus has not risen by at least 40 points within 120 days of program start, the engagement fee is refunded in full. No pro-rata, no admin fees, no fine print. The clause is reviewed with you on the consultation call and signed before any dispute is filed.
Which items on my credit report are actually disputable?
Inaccurate, unverifiable, incomplete, or outdated items — the four categories the FCRA explicitly requires furnishers and bureaus to investigate, correct, or remove. In practice that covers most late-payment marks older than 24 months, charged-off accounts never validated by the original creditor, collection accounts missing debt-validation documentation, duplicate tradelines, and accounts misattributed due to identity or mixed-file confusion. Accurate, verifiable, and timely negative information is not in scope — and we'll say so plainly during your consultation rather than promise results we can't deliver.
Is 21 days realistic, or is that a marketing number?
21 days is the dispute cycle — the time it takes to file a complete FCRA-driven dispute packet across all three bureaus simultaneously and receive first-round responses. Our 2024 internal audit of 412,000+ individual dispute items logged a 98.4% first-round removal-or-update rate per item challenged, which is what makes the 21-day window meaningful rather than performative. What the 21-day window is not: an instant-credit guarantee, a specific score outcome, or a mortgage-approval promise. The score uplift you see at the close of the cycle is the foundation; the next 60 to 90 days of rebuild and good-will work compound from there.
Why a free consultation instead of just signing me up?
Two reasons. First, the FCRA dispute strategy that works for a client with $7,000 in medical collections looks nothing like the strategy for a client with $40,000 in mixed charge-offs and a recent chapter 7 discharge — and we'd rather tell you which category you fall into before you commit. Second, the performance guarantee only works if both sides have agreed the program is a fit; "sign up first, qualify later" is the model that produces the complaint volume we deliberately don't carry. The fifteen minutes is a quality-control step in your favor as much as ours.
Still uncertain? Email [email protected] and a strategist will reply within one business day — or book the call and we'll talk it through.
CLOSING ARGUMENT
$10K+ in negative items. 21 days. Or you don't pay.
The 21-day credit sweep is engineered to remove inaccurate, unverifiable, and outdated negative entries from your file through simultaneous tri-bureau dispute campaigns, creditor validation demands, and good-will interventions — backed by a written money-back performance clause reviewed on your free fifteen-minute call.
Start My 21-Day Credit Sweep21DayCreditSweep Holdings, LLC · 4207 W. Kennedy Blvd, Suite 220, Tampa, FL 33609 · +1 (813) 555-0421 · [email protected]