Direct answers.

The Fair Credit Reporting Act (15 U.S.C. § 1681) is federal law governing how credit information is collected, shared, and reported. It guarantees your right to an accurate credit report and provides remedies when bureaus or creditors violate the law.

No. Credit repair organizations are regulated under CROA (Credit Repair Organizations Act) — they send template letters, charge monthly fees, and promise score improvements. We are a federal consumer protection advocacy firm operating under the FCRA. We conduct forensic analysis, identify specific statutory violations, calculate damages, and build documented legal cases. Different regulation. Different methodology. Different results.

Self-disputes trigger automated verification that often confirms errors without investigation. Our disputes cite specific federal violations, include calculated damages, and arrive via certified mail — creating legal accountability. Bureaus respond differently when there's a documented case behind the dispute.

Most cases: 6-12 months. Bureaus have 30-45 days per round under federal law. Multiple rounds are typical. Timelines depend on violations identified, bureau responses, and escalation requirements. Every case differs. No guaranteed timeline.

Three-bureau forensic review. FCRA violation identification with statute citations. Statutory damages calculation. Funding readiness assessment. Strategic case plan. If you proceed, the $297 is credited toward your $497 Round 1 — you only pay the $200 difference.

No. No legitimate firm guarantees outcomes, timelines, score increases, or removals. Our methodology achieves 75-85% success on disputed items. Our escalation protocol creates significant legal and financial pressure. But no guarantees.

That's what escalation is for. Initial disputes → Method of Verification demands → CFPB/FTC regulatory complaints → Pre-arbitration with calculated statutory damages → Attorney referral for formal legal action at no additional cost.

Inaccurate accounts. Accounts that aren't yours. Outdated negatives. Incorrect balances or limits. Duplicates. Wrong personal information. Unauthorized inquiries. Anything violating FCRA accuracy requirements.

Monitor your reports for changes. Forward any correspondence from bureaus or creditors. We handle analysis, letter preparation, mailing, response review, and escalation.

Yes. Strict data security. Credit access only with written authorization. Data never shared except as required for disputes (bureaus, furnishers, co-counsel attorneys when applicable).