We help clients improve their credit by using proven legal strategies to remove negative items like late payments, charge-offs, collections, and even bankruptcies from credit reports. We do this by challenging any inaccurate, incomplete, or unverifiable information through carefully crafted dispute letters to credit bureaus and furnishers. Using the Fair Credit Reporting Act (FCRA) and other consumer protection laws, we ensure everything on the report is 100% accurate. If it isn’t, it must be removed or corrected. Our goal is not only to raise credit scores but to improve creditworthiness so our clients can access better loan terms and rates.