A guaranteed point increase
No one controls how a bureau or a scoring model treats a file. A promise of a specific score is a sales line, not a service.
Credit repair. No score promises.
Something on your credit report looks wrong, and you are being told to pay before anyone does the work.
A straight consultation: what you can challenge yourself, what a written agreement would cover, and what nobody is allowed to promise.
We look at inaccurate, incomplete, or identity-theft items with you. We cannot remove accurate, current, verifiable information. We do not guarantee a score. This form is a free consultation, not a case and not a charge.
The pitch you have already heard is the one to walk away from
Pay us first
Federal law says a credit repair organization may not charge before the agreed services are fully performed. Florida buyers get that same protection unless a narrow bond-and-trust exception is actually in place. We do not use this page to collect a fee.
We can wipe accurate items
Accurate, current, verifiable information stays. Time, a real error, or identity theft are different questions. A form letter about true debt is not a plan.
Start a new identity
A new Social Security number, a CPN, or a fresh file to hide true history is not something we do. Do not do it. It is not a loophole we offer.
What happens if you ask for a consultation
1. You tell us the situation
Inaccurate items, possible identity theft, or you are not sure what is on the report. Do not send a Social Security number or a report on this form.
2. We tell you what you can do yourself
You can dispute inaccurate information directly with the bureaus, at no charge for the dispute. Hiring anyone is optional.
3. Any work after that is a written agreement
Services, timing, and price in writing. You can cancel within 3 business days under federal law, and Florida buyers can cancel through the fifth day. No fee before the agreed services are fully performed.
What the consultation is for
A second set of eyes on errors
Wrong personal information, accounts you did not open, duplicates, and balances that do not match what you can document.
Identity theft, treated as identity theft
Fraudulent accounts are a report to the bureaus and, when it fits, to the authorities. They are not a reason to invent a new file.
A clear no
If the items look accurate and current, we say so. That answer is useful. It is not a failure we paper over.
Your own rights, in writing
The federal disclosure and the cancellation notice are on this page before anyone asks you to sign anything.
- Free consultation. This form does not start a dispute.
- Inaccurate, incomplete, and identity-theft items only
- You are told you can dispute directly, for free
- No fee before agreed services are fully performed
- 3-business-day federal cancellation right
- 5-day Florida cancellation right on a later contract
- Written agreement before any paid work
- No new identity, CPN, or new Social Security number
What we will put in writing, and what we will not
This consultation request is free. We do not charge a fee before the services in a written agreement are fully performed.
We do not guarantee a result, a deletion, or any increase in a credit score.
We do not claim we can remove accurate, current, and verifiable information.
You have the right to cancel a later contract for any reason within 3 business days from the date you signed it.
You may cancel a later written contract, without any penalty or obligation, within 5 days from the date the contract is signed. If you cancel, any payment made by you under that contract is to be returned within 10 days after the credit service organization receives your cancellation notice. The company name, address, and the exact cancellation date belong on the contract itself. This page is not a contract. Those blanks are pending Joshua's approval and are not filled in here.
We will not ask you to create a new identity, use a credit privacy number (CPN), or apply for credit under a different Social Security number.
Client stories
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Questions people actually ask
Can you raise my score by a set number?
No. We do not guarantee a score, a point increase, or a deletion. Anyone who does is making a promise this firm will not make.
Can you remove a collection I know is mine?
No. We do not remove accurate, current, verifiable items, and we will not tell you to dispute information you know is true.
Do I have to hire you?
No. You can dispute inaccurate information yourself with the bureaus. The dispute itself is not a fee the bureau may charge.
When would I pay?
Not from this page. A later written agreement would describe the services. We do not collect a fee before those services are fully performed. There is no price on this page until Joshua sets one in that agreement.
What if I change my mind after I sign?
You have 3 business days under federal law to cancel for any reason. Florida law gives buyers until midnight of the fifth day after the contract. This page is not a contract, so the clock starts only if you later sign one.
Should I send my Social Security number?
No. Do not put a Social Security number, a full account number, or a credit report in this form.
Your rights, before anything else
Consumer Credit File Rights Under State and Federal Law
You have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly. However, neither you nor any credit repair company or credit repair organization has the right to have accurate, current, and verifiable information removed from your credit report. The credit bureau must remove accurate, negative information from your report only if it is over 7 years old. Bankruptcy information can be reported for 10 years.
You have a right to obtain a copy of your credit report from a credit bureau. You may be charged a reasonable fee. There is no fee, however, if you have been turned down for credit, employment, insurance, or a rental dwelling because of information in your credit report within the preceding 60 days. The credit bureau must provide someone to help you interpret the information in your credit file. You are entitled to receive a free copy of your credit report if you are unemployed and intend to apply for employment in the next 60 days, if you are a recipient of public welfare assistance, or if you have reason to believe that there is inaccurate information in your credit report due to fraud.
You have a right to sue a credit repair organization that violates the Credit Repair Organization Act. This law prohibits deceptive practices by credit repair organizations.
You have the right to cancel your contract with any credit repair organization for any reason within 3 business days from the date you signed it.
Credit bureaus are required to follow reasonable procedures to ensure that the information they report is accurate. However, mistakes may occur.
You may, on your own, notify a credit bureau in writing that you dispute the accuracy of information in your credit file. The credit bureau must then reinvestigate and modify or remove inaccurate or incomplete information. The credit bureau may not charge any fee for this service. Any pertinent information and copies of all documents you have concerning an error should be given to the credit bureau.
If the credit bureau's reinvestigation does not resolve the dispute to your satisfaction, you may send a brief statement to the credit bureau, to be kept in your file, explaining why you think the record is inaccurate. The credit bureau must include a summary of your statement about disputed information with any report it issues about you.
The Federal Trade Commission regulates credit bureaus and credit repair organizations. For more information contact the Public Reference Branch, Federal Trade Commission, Washington, D.C. 20580. You can also submit a complaint to the Consumer Financial Protection Bureau.
We do not charge a fee before the services in a written agreement are fully performed.
We do not guarantee a result, a deletion, or a credit score increase.
You have the right to cancel your contract with any credit repair organization for any reason within 3 business days from the date you signed it.
You may cancel a later written contract, without any penalty or obligation, within 5 days from the date the contract is signed. If you cancel, any payment made by you under that contract is to be returned within 10 days after the credit service organization receives your cancellation notice. The company name, address, and the exact cancellation date belong on the contract itself. This page is not a contract. Those blanks are pending Joshua's approval and are not filled in here.
We will not ask you to create a new identity, use a CPN, or use a new Social Security number.
Request a free consultation
All questions are on this form. You can answer them in order.