The exact playbook ourstrategists use. Federal + state statutes, our 17-template letter library, and clear articles on every part of credit repair. Every dispute we draft cites these statutes directly.
Law
Your FCRA Rights: What Bureaus Must Do
Under the Fair Credit Reporting Act, credit bureaus must investigate disputes within 30 days and delete information that is inaccurate, incomplete, or unverifiable.
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Law
FDCPA Debt Validation Explained
The Fair Debt Collection Practices Act gives you the right to demand validation of any debt within 30 days of first contact.
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Score Strategy
The Utilization Hack That Adds Points in 30 Days
Credit utilization accounts for about 30% of your FICO score. The right strategy can add 20-60 points in a single statement cycle.
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Score Strategy
Hard vs Soft Inquiries: What Actually Matters
Only hard inquiries from credit applications affect your score - and only for 12 months in any meaningful way.
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Process
Why 4 Rounds of Disputes Beat a Single Letter
Most successful credit repair uses a structured 4-round process: bureau dispute, method of verification, furnisher direct, and CFPB escalation.
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Process
Building Positive Credit While Disputing Negatives
Disputes remove negatives; positive accounts build the score back up. You need both running in parallel.
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