Three federal laws say those items shouldn't be on your report. We enforce them.
Every negative item has a legal basis for dispute — FCRA violations, FDCPA violations, Metro 2 compliance failures, or simple inaccuracies. Our AI generates unique dispute letters tailored to YOUR report. Not templates. Not form letters. $149 per confirmed deletion. $0 if nothing gets removed.
Three federal laws protect you.
Every dispute we send is grounded in one or more of these statutes. Bureaus are legally required to investigate.
15 U.S.C. § 1681
FCRA
Fair Credit Reporting Act
Requires credit bureaus to maintain accurate records. Gives you the right to dispute any information you believe is inaccurate, incomplete, or unverifiable. Bureaus must investigate within 30 days and delete items they cannot verify.
§ 611(a) — Right to dispute and require investigation
§ 611(a)(5) — Must delete if not verified in 30 days
§ 623 — Furnisher must report accurately
§ 604 — Permissible purpose required for inquiries
15 U.S.C. § 1692
FDCPA
Fair Debt Collection Practices Act
Regulates how debt collectors can contact you and what they must prove. Collectors must validate the debt with original documentation when challenged. Many can't — because they bought the debt in bulk with minimal records.
§ 809(b) — Must validate debt within 30 days of dispute
§ 805(c) — Must cease communication on request
§ 807 — Prohibits false or misleading representations
§ 813 — Civil liability for violations ($1,000+)
CDIA Standard
Metro 2
Credit Reporting Data Standard
The industry-standard format for reporting credit data to bureaus. Every field has strict rules — account status codes, date formats, balance reporting, payment history. Violations in any field make the entire trade line challengeable.
Field 17 — Account status must match payment pattern
Field 24 — Date of first delinquency must be accurate
Field 8B — Balance must reflect current amount owed
Segment — All required fields must be present
What we dispute.
Each item type has specific vulnerabilities. We identify the strongest dispute angle for every negative account on your report.
FDCPA § 809(b)
Collections
Collection accounts are the most common negative item — and often the most vulnerable to dispute. When a creditor sells your debt to a collector, the original documentation frequently doesn't transfer completely. We challenge the collector to produce the original signed agreement, complete payment history, and proof of the debt chain.
If they can't provide it within 30 days, the bureau must delete the item. Debt buyers purchase accounts in bulk for pennies on the dollar — many don't have the documentation to validate.
Common dispute angles
Debt validation demand
Require original signed agreement, not just a collector's statement
Chain of custody challenge
Demand proof of every sale/transfer from original creditor to current collector
Balance accuracy
Reported balance often includes unauthorized fees, interest, or penalties
Statute of limitations
Time-barred debts can still be reported but are weaker in dispute
Score impact when removed: +30 to +80 points per collection, depending on age and balance
Common dispute angles
Status code errors
Charged-off accounts often still show as "open" — Metro 2 violation
Date of last activity
Re-aging a charge-off date is a federal violation — we check every date field
Double reporting
Original creditor AND collector both reporting = duplicate negative impact
Balance after write-off
Balance should freeze at charge-off date — continued changes are inaccurate
Score impact when removed: +40 to +80 points per charge-off
FCRA § 611(a) + Metro 2
Charge-Offs
A charge-off means the creditor gave up trying to collect and wrote the debt off as a loss. But the reporting often contains errors — incorrect dates, wrong balances, improper status codes. These are among the highest-impact items on your report.
Charge-offs frequently violate Metro 2 standards: the date of first delinquency gets re-aged, the balance continues changing after write-off, or the account status code doesn't match the payment history. Any of these makes the item challengeable.
Metro 2 Compliance
Late Payments
30, 60, and 90-day late payments each carry significant score impact. But late payment reporting is one of the most error-prone areas in credit data. Payment history patterns must follow strict Metro 2 sequencing rules — a 60-day late can't appear without a prior 30-day late.
We analyze the full payment history pattern for each account. If the sequence doesn't follow Metro 2 standards, or the dates don't align with the creditor's own records, the late payment entries can be challenged and removed.
Common dispute angles
Payment pattern sequencing
60-day without prior 30-day = Metro 2 violation, challengeable
Date verification
Reported late dates must match actual billing cycle — many don't
Goodwill adjustment
For current accounts — creditors sometimes remove lates for loyal customers
Method of verification challenge
After initial dispute, demand how the bureau verified — expose e-OSCAR rubber-stamping
Score impact when removed: +20 to +60 points per late payment entry
Common dispute angles
Permissible purpose challenge
Under FCRA § 604, every pull needs a valid reason — many lack documentation
Authorization verification
Did you actually authorize this pull? Unauthorized inquiries must be removed
Age-based weakening
Inquiries older than 12 months have minimal impact — challenge and remove
Score impact when removed: +5 to +15 points per inquiry
FCRA § 604
Hard Inquiries
Every hard inquiry costs 5-15 points and stays on your report for 2 years. Multiple inquiries compound — if you have 6+ hard pulls, removing even a few can meaningfully boost your score.
Under FCRA § 604, every credit pull requires a "permissible purpose" — and the creditor must be able to prove it. Promotional pulls disguised as hard inquiries, pulls from companies you never applied with, and unauthorized pre-qualification checks are all challengeable.
FCRA § 623 + UCC Article 9
Repossessions
Auto repossessions carry massive score impact — often 100+ points. But they also carry the most reporting errors. Lenders frequently report incorrect deficiency balances, wrong repossession dates, and violate UCC Article 9 requirements for commercially reasonable sale of the vehicle.
If the lender didn't follow proper notification procedures, sold the vehicle below market value without justification, or reported a deficiency balance that includes unauthorized fees — the entire repossession trade line is challengeable.
Common dispute angles
Deficiency balance errors
Reported balance often includes storage fees, repo fees, and unauthorized charges
Sale notification compliance
Lender must notify you before and after sale — failure voids deficiency claim
Commercially reasonable sale
Vehicle sold at auction for 30% of value? Challenge the sale as unreasonable under UCC
Score impact when removed: +60 to +100 points
Common dispute angles
Filing date accuracy
Wrong filing dates extend the 7-10 year reporting window — federal violation
Discharge status
Discharged bankruptcies must show as discharged — "active" status is inaccurate
Amount accuracy
Reported amounts must match court records exactly — any discrepancy = inaccurate
Included accounts
Accounts included in bankruptcy must show $0 balance — reporting otherwise is illegal
Score impact when removed: +50 to +100+ points for bankruptcies and judgments
FCRA § 611
Public Records
Bankruptcies, judgments, and tax liens are the most damaging items on a credit report. But even court records can be reported inaccurately — wrong filing dates, incorrect amounts, missing discharge status, or accounts included in bankruptcy still showing balances.
Since 2018, all three bureaus require public records to include name, address, and Social Security number or date of birth. Many older records don't meet this threshold and can be challenged for removal.
7 dispute letter types. Never the same twice.
Our AI generates unique letters for every dispute. Bureaus can't pattern-match what they've never seen before.
$149 per confirmed deletion. $0 for everything else.
No monthly fees. No setup fees. No retainers. You pay only when items are confirmed removed from your credit report. If nothing gets deleted, you owe nothing.
$0
Setup fee
Free credit review included
$0
Monthly fee
No subscriptions, ever
$149
Per deletion
After confirmed removal only
AI-powered disputes. All 3 bureaus. Up to 5 rounds. Your CROA rights
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