Why AI alone can't fix your credit.

An AI tool will never call you back. It won't sit with you one-on-one, walk your specific file, or know that your case needs a different angle after round two. Ours will — because ours are people.

What our representatives handle

7 common credit report errors

Source: Consumer Financial Protection Bureau · tap any card to expand

1. 01Inaccuracies in payment history

   Payment history is the single heaviest factor in your credit score — roughly a third of the entire calculation. One late payment that never actually happened, or one reported 30 days when it was current, can cost you significant points and stay visible to lenders for seven years. Underwriters don't just read the score; they read the pattern. A false late in the wrong month can be the difference between an approval and a denial, or between a good rate and an expensive one. Correcting these is often the fastest, highest-impact fix on a file.
2. 02Lingering debts found in old joint accounts

   A divorce decree or a handshake agreement means nothing to the credit bureaus — if your name is still on the account, every balance, every late payment, and every collection your ex or former partner generates lands on your report as if it were yours. These debts quietly inflate your utilization, add lates you didn't cause, and keep you financially chained to someone else's behavior years after the relationship ended. Getting your file properly separated — corrected, removed, or reassigned — is how you stop inheriting someone else's credit decisions.
3. 03Accounts listed twice

   When the same debt appears twice — usually once from the original creditor and again from a collector, or from two collectors after the debt was sold — your report shows double the debt you actually owe. That inflates your utilization, doubles the negative marks from a single event, and wrecks your debt-to-income picture when a mortgage underwriter reviews your file. You should never take two hits for one debt. Deduplication is one of the cleanest corrections there is, and the score impact can be immediate.
4. 04Bad debts reported more than 7 years

   Federal law puts a hard expiration date on most negative items: roughly seven years from the original delinquency, they must come off your report. But collectors sometimes “re-age” old debts — updating dates to make them look newer so they keep reporting and keep hurting you. That's not a gray area; it's illegal. These items are often the easiest deletions on a file because the law is unambiguous — but only if someone actually checks the original delinquency dates and holds the furnisher to them. Most people never do. We always do.
5. 05Unrecognized accounts

   An account you don't recognize is never something to ignore — it's either a mixed file (someone else's account landing on your report), a reporting error, or the first visible sign of identity theft. Left alone, it doesn't stay static: balances grow, lates accumulate, collections follow, and the damage compounds on a debt that was never yours. Federal law gives you specific tools to challenge and block fraudulent accounts, but the clock and the paper trail matter. Catching and killing these early is the difference between a dispute and a years-long cleanup.
6. 06Closed accounts listed as open

   An account you closed — or one discharged in bankruptcy — that still reports as open with a balance tells lenders you owe money you don't. It distorts your debt-to-income ratio, can show phantom obligations during underwriting, and in bankruptcy cases it directly undermines your fresh start: discharged accounts must report a zero balance. This error is especially common after bankruptcy, and it's one of the main reasons a discharged file still gets treated like an active-debt file. Correcting the status makes your report tell the truth: that chapter is closed.
7. 07Wrong identifying information used

   Wrong name spellings, old addresses you never lived at, or a near-miss Social Security number aren't cosmetic errors — they're how mixed files happen. Bad identity data is the root cause behind strangers' debts appearing on your report, and it keeps regenerating new errors even after you fix the visible ones. It can also signal that your information is being used by someone else. Cleaning your identifying information is foundational work: fix the root, and the file stops growing new problems. Skip it, and you'll be disputing the same ghosts every year.

How it works

1. 01

   Full three-bureau analysis

   A person reads your reports line by line and maps every item worth challenging.

2. 02

   One-on-one strategy session

   You talk to your representative — not a chatbot — and leave with a plan you understand.

3. 03

   Disputes, calls, and follow-ups

   We work the file: letters where letters work, phone calls where they don't, and follow-ups timed by experience — done by us, not left to you.

4. 04

   Verify, rebuild, graduate

   Every deletion verified on fresh reports, then a rebuild plan that connects straight into funding readiness — Credit feeds Capital.