Remove late payments, collections, and charge-offs from your credit report. We dispute inaccurate items under the Fair Credit Reporting Act to help improve your credit score.
Credit Score Range
Challenge inaccurate late marks
Dispute unverifiable debts
3-bureau comprehensive analysis
Plus charge-offs, repos, bankruptcies & more inaccurate items
See how we've helped clients improve their credit scores and achieve their financial goals.
Before
512
After
695
"I couldn't get approved for anything. After working with CreditRise, I qualified for my first car loan at a great rate. Life changing!"
Marcus T.
Long Island, NY
Before
548
After
721
"They removed 8 negative items from my report. Finally bought my dream home last month. Can't thank CreditRise enough!"
Sarah L.
Queens, NY
Before
489
After
668
"Medical bills destroyed my credit. CreditRise helped me dispute errors and now I'm on track to buy a house. Professional and caring team!"
James R.
Newark, NJ
"I send all my clients who need credit help to CreditRise. They're professional, transparent, and actually get results. My clients come back to me mortgage-ready. Highly recommend for any loan officer or realtor!"
John J.
Loan Officer • New York, NY
500+
Clients Helped
150+
Avg. Point Increase
10,000+
Items Disputed
4.9/5
Client Rating
*Results vary based on individual credit profiles. These testimonials represent individual experiences and are not guaranteed outcomes.
Our professional credit repair services help you challenge inaccurate, incomplete, or unverifiable information on your credit reports through lawful FCRA dispute processes—including late payments, collections, charge-offs, repos, bankruptcies, and all other inaccurate negative items.
Late payment marks can significantly impact your credit score. We help you challenge late payments that may be inaccurate, incorrectly reported, or cannot be properly verified by the creditor. Under the FCRA, unverifiable items must be removed.
Collection accounts can devastate your credit score. Our negative item removal process challenges collections, charge-offs, repossessions, and other accounts that may be inaccurate, outdated, or belong to someone else. We request debt validation and dispute items that cannot be properly verified.
Our comprehensive credit repair consultation includes a detailed analysis of all three credit reports. We identify every potentially disputable item and create a customized strategy for your unique credit situation.
Our professional credit repair services follow a transparent, FCRA-compliant process. We educate you on your consumer rights and help you dispute inaccurate items through proper legal channels.
We begin with a comprehensive review of your credit reports from all three major bureaus—Equifax, Experian, and TransUnion. We identify potentially inaccurate, unverifiable, or misleading items.
Under the Fair Credit Reporting Act (FCRA), you have the legal right to dispute any information you believe is inaccurate. We help prepare and file formal dispute letters to the credit bureaus and original creditors on your behalf.
Credit bureaus must investigate disputes within 30 days. If items cannot be verified, they must be removed or corrected. We monitor responses and continue working on remaining inaccuracies to pursue credit score improvement.
The Fair Credit Reporting Act (FCRA) gives you the right to dispute any information on your credit report that you believe is inaccurate, incomplete, or unverifiable. Credit bureaus must investigate within 30 days and remove items they cannot verify. You can also dispute items on your own for free.
No obligation • No hidden fees
Results vary by individual credit profile. We cannot guarantee specific outcomes or score improvements. Accurate information cannot be legally removed from credit reports.
Answer a few quick questions to see if we can help improve your credit score.
You only pay for results. Our success-based model means we're invested in your credit improvement.
Your legal right under FCRA
Under the Fair Credit Reporting Act, you have the right to dispute inaccurate items on your credit report yourself at no cost.
Performance-based pricing
We handle everything for you. You only pay for successful deletions — if we don't get results, you don't pay more.
Setup Fee: $299 covers your initial credit analysis and first round of disputes.
Per Deletion: $125 for each negative item successfully removed from each bureau.
Example: 1 collection removed from all 3 bureaus = $375 ($125 × 3 bureaus).
Results vary based on individual credit profiles. We cannot guarantee specific outcomes or removal of accurate information.
Better credit = lower interest rates. Calculate your potential savings on loans and credit cards.
Current APR
15.5%
Improved APR
6.5%
Monthly Savings
$112
Total Savings Over Loan Term
$6,720
Over 5 years
Investing in credit repair could pay for itself 22x over with these savings!
Calculator provides estimates based on average interest rates. Actual rates depend on lenders, loan terms, and individual credit profiles. Results not guaranteed.
Understanding credit is the foundation of financial empowerment. We believe education is just as important as repair—helping you make informed decisions for lasting credit score improvement.
A healthier credit profile can lead to better mortgage rates, auto loan terms, and credit card offers—potentially saving you thousands over time.
Lenders offer lower interest rates to borrowers with better credit scores. Understanding and improving your credit can lead to significant savings.
Good credit opens doors—from renting apartments to starting businesses. We empower you with knowledge to build long-term financial health.
Reading Credit Reports
Your FCRA Rights
Score Factors
Credit Utilization
Building Credit
Identity Protection
Get answers to common questions about our professional credit repair services and how the dispute process works under federal law.
Still have questions? We're here to help.
Schedule Your Free ConsultationWe believe in transparency. Here's exactly what you can expect from professional credit repair services—and what no legitimate company should promise.
Our professional credit repair services are designed for individuals facing credit challenges who want lawful, transparent assistance with their credit score improvement journey.
Future Homebuyers
Preparing for mortgages
Auto Loan Seekers
Looking for better rates
Business Owners
Needing credit for growth
Credit Rebuilders
Starting fresh
Take the first step toward credit score improvement. Our free consultation includes a comprehensive review of your credit situation with no obligation.
By scheduling a consultation, you agree to receive communication regarding your credit situation.