Dispute Letters
We write and send certified dispute letters directly to bureaus and collectors on your behalf — properly formatted and legally grounded.
Nationwide Credit Repair Services
Credit Repair With Proof, Not Promises.
We send certified dispute letters, file CFPB complaints, and document every outcome — so you always know exactly what's happening with your credit.
- Certified dispute letters sent to bureaus & collectors
- CFPB complaints filed and tracked on your behalf
- Private client portal — see every update in real time
Individual outcomes vary based on each credit profile and bureau response timing.
CFPB Complaints
When bureaus ignore disputes, we escalate with CFPB complaints. We've had repos and collections removed this way — with the documentation to prove it.
Client Portal Access
Every letter sent, tracking number, and update lives in your private portal. You see what we do and when we do it — full transparency, always.
Documented Outcomes
Real Results
Real documented outcomes from active clients. Personal information has been redacted.
$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.
Individual outcomes vary. Screenshots are examples of documented account reporting updates and are not guarantees of future results.
Common Dispute Categories
What We Can Help You Challenge
Focused support for frequently disputed credit reporting issues.
Collection Accounts
Review of account details, dates, and reporting consistency.
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.
How It Works
A clear sequence so you always know what happens next.
01
Consultation
We review your goals, current profile, and timeline priorities.
02
Onboarding
You submit your documents, sign required disclosures, and complete intake.
03
Strategy Build
We map your dispute and rebuild workflow based on your profile details.
04
Execution + Updates
You receive cycle-based updates, guidance, and next-step recommendations.
Plans
Monthly subscription plans — cancel anytime. Exact billing terms are always provided in writing before enrollment.
Credit Foundation Audit
Best for: first-time review and strategy setup
$29.99/mo
- 3-bureau report and score review
- Negative item analysis
- 30/60/90-day action plan
- Access to the online client portal to keep track of credit repair progress
Most Popular
Active Dispute Management
Best for: ongoing dispute support and tracking
$49.99/mo
- Everything in Foundation Audit
- Dispute letters sent to bureaus & collectors on your behalf
- Bureau and collector communication managed for you
- Credit utilization and tradeline advice
- Progress updates, letters, and documents in your client portal
- Support via email and portal messaging
Rebuild + Coaching Program
Best for: full-service dispute management and coaching
$69.99/mo
- Everything in Active Dispute Management
- CFPB complaints filed on your behalf
- Phone coaching sessions included
- Support via phone, email, and portal
All plans billed monthly. Cancel anytime. Final billing terms, service contract, and disclosures are provided before enrollment.
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?
Foundation Audit ($29.99/mo) includes a 3-bureau report review, negative item analysis, a 30/60/90-day action plan, and client portal access. Active Dispute Management ($49.99/mo) adds dispute letters sent on your behalf to bureaus and collectors, credit utilization and tradeline advice, and email/portal support. Rebuild + Coaching ($69.99/mo) 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 using our secure consultation form and include your full account details.
Book Your Consultation
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