Collection Accounts
Review of account details, dates, and reporting consistency.
They doubted you at your worst credit. Let Donoso Credit Repair bring out your best.
Common Dispute Categories
What We Can Help You Challenge
Focused support for frequently disputed credit reporting issues.
Charge-Offs
Account history and furnishing accuracy review support.
Late Payment Entries
Payment reporting timeline and status validation checks.
Hard Inquiry Review
Inquiry authorization and reporting context review process.
Identity Reporting Errors
Assistance with correcting mixed file or identity mismatches.
Account Detail Inaccuracies
Balance, status, and historical data review support.
This Is Something We Also Offer
Client Portal Access
Track your letters, updates, notes, and next steps in one private portal with full visibility.
Dispute Letters
We prepare and send certified dispute letters to bureaus and collectors based on your file details.
CFPB Complaints
We help escalate unresolved credit reporting issues with documented complaints filed through the CFPB.
FTC Identity Theft Reports
We assist with FTC identity theft reports when stolen identity issues affect your credit file.
OCC Bank Complaints
We assist with OCC complaints for bank-related issues when additional escalation is needed.
Plans
Choose the level of support that feels comfortable. Every plan begins with a friendly phone consultation so you know exactly what to expect.
Analysis
Credit Analysis
One-time review of your report with a practical 30/60/90-day plan.
One-time
$99.99
- 3-bureau report review
- Negative item breakdown
- 30/60/90-day action plan
- Client portal access
Subscription
Active Dispute Management
Monthly dispute support, communication follow-up, and progress tracking.
Starting at
$120 /mo
- Everything in Credit Analysis
- Letters prepared and sent
- Bureau and collector follow-up
- Tradeline and utilization guidance
- Portal updates and support
Coaching
Rebuild + Coaching
Monthly dispute support with added coaching and escalation help.
Monthly
$150 /mo
- Everything in Active Dispute Management
- CFPB escalation help
- Phone coaching sessions
- Phone, email, and portal support
Quotes, final billing terms, service contract, and required disclosures are provided in writing before enrollment.
Documented Outcomes
Real Results
Real documented outcomes from active clients. Personal information has been redacted.
Scroll to review documented client outcomes.
$14,000 Repo Deleted via CFPB
NCB Management Services agreed to delete the repossession tradeline from all credit bureaus after a CFPB complaint was filed on the client's behalf.
Collection Account Deleted — Experian
Credit Collection Services account successfully removed from the client's Experian credit report following a dispute.
$1,030 Collection Removed via CFPB
Caine & Weiner closed the account and requested removal from all credit reporting agencies after a CFPB complaint with supporting dispute documentation.
Multiple Accounts Updated and Deleted
Client report showing multiple dispute outcomes at once, including deleted collection accounts and updated tradelines after the reporting cycle refreshed.
Space Coast Credit Union Account Deleted
Dispute results generated on March 26, 2026 showing a Space Coast Credit Union tradeline marked deleted from the client's report.
Multiple Space Coast Inquiries Deleted
Client dispute results dated March 28, 2026 showing several Space Coast Credit Union inquiries removed from the report.
Caine & Weiner Account Deleted
Dispute results generated on March 24, 2026 showing a Caine & Weiner account listed as deleted from the client's credit report.
Bureau Reinvestigation Confirmed Deletion
Reinvestigation results confirming the disputed Space Coast Credit Union account ending in 3280 was deleted from the credit file.
Individual outcomes vary. Screenshots are examples of documented account reporting updates and are not guarantees of future results.
FAQ
Clear answers before you enroll. Your exact service terms and disclosures are provided in writing before enrollment.
How long does credit repair take?
Most clients are active for 3 to 6 months. Initial file review is usually completed within 3 to 7 business days after onboarding documents are received. First dispute cycle typically starts within 7 to 14 days. Bureau and creditor responses often take about 30 to 45 days per cycle.
Can you guarantee deletions or score increases?
No. We do not guarantee deletions, score increases, approvals, or exact timelines. Results vary based on your credit profile, account history, and how bureaus or furnishers respond.
What documents do I need to start?
Most clients need a government-issued ID, proof of address, and current 3-bureau credit report access. If you have prior dispute letters or bureau responses, upload those during onboarding.
How often will I receive updates?
You receive regular progress updates during each cycle and a monthly status summary. Active Dispute Management and Rebuild + Coaching include priority support with a target response window of 24 business hours.
Do I still need to pay my existing bills and debts?
Yes. You should continue making payments on valid obligations. Credit repair support does not replace your payment responsibilities to lenders or creditors.
What is included in each plan?
Credit Analysis is $99.99 and includes a 3-bureau report review, negative item analysis, a 30/60/90-day action plan, and client portal access. Active Dispute Management starts at $120 per month and adds dispute letters sent on your behalf to bureaus and collectors, credit utilization and tradeline advice, and email/portal support. Rebuild + Coaching is $150 per month and adds CFPB complaints filed on your behalf and phone coaching sessions.
Can I cancel?
Yes. Cancellation rights and instructions are included in your signed agreement and required disclosures before service begins. You can also submit a written request by email and include your full account details.