Remove negative items. Raise your score.
If your report has collections, late payments, charge-offs, or inquiries,you're likely paying a "bad credit tax" in higher APRs and worse terms. We dispute inaccurate, unverifiable, and outdated reporting to help clean up your profile.
Results vary by credit profile and bureau responses. We dispute aggressively, but we do not guarantee removals.
Real clients. Real momentum.
Score increases and removals from actual CRDT clients.
Went from 610 to 697 in the first 45 days. Two collections removed completely.
Marcus T.
Three late payments and a charge-off removed. My auto loan rate dropped 4%.
Sarah K.
Got approved for my first home. The expedited package made all the difference.
Devon R.
Had 5 hard inquiries removed and a collection deleted. Score jumped fast.
Lisa M.
What we do (and why it works)
Credit reporting is regulated, and bureaus must verify items they publish. When they can't validate an item—or when it's reported incorrectly—there's a path to dispute and correction.
Examples of negative items we dispute
Lower interest, better approvals
Even a small score gap can change your APR and terms. Better credit typically unlocks lower rates, higher limits, and smoother approvals.
A cleaner, stronger profile
We focus on accurate reporting, fewer derogatories, and better overall profile strength—so your credit reflects reality.
Dispute strategy + documentation
We challenge items that are inaccurate, unverifiable, duplicated, outdated, or missing required documentation—using a structured plan.
Stop paying the bad-credit tax
Higher deposits, worse insurance pricing, and expensive financing add up. Credit repair is often cheaper than the long-term cost of waiting.
Why this is a no-brainer
Bad credit isn't just a score—it's a higher monthly payment, a higher down payment, and more "no's." Fixing your credit can save you far more than the cost of the service.
Expedited option
Faster cadence + more intensive disputes designed to show movement within the first 30 days.
What we can challenge
Collections, charge-offs, late payments, inquiries, repossessions, and even more complex items like bankruptcies (when eligible).
The hidden cost
Higher APRs and deposits add up. One "bad credit" rate can cost you thousands—credit repair is often cheaper than waiting.
Choose your speed
Both options include a structured dispute plan and progress tracking. The expedited package increases cadence and intensity to drive movement fast.
Expedited Package
Designed for faster momentum
one-time
- Results-oriented cadence (movement within first 30 days is the goal)
- More aggressive dispute tactics and follow-ups
- Priority support
Monthly Plan
Steady, consistent improvement
per month
- Monthly dispute cycle and bureau follow-ups
- Strategy updates as results come in
- Great if you want to start now and scale up later
Credit repair is a process and timelines vary. Pricing shown is for the service package; outcomes depend on reporting accuracy, documentation, and bureau responses.