Inaccurate or incomplete information can affect more than a credit score. It can affect opportunities, financing decisions, and your financial future.
No specific credit score, deletion, outcome, or timeframe is guaranteed.
PremiumMost qualifying Premium clients see initial results within 5 days.*Learn more →Findings from the Federal Trade Commission’s congressionally mandated study of credit report accuracy.
consumers had an error on at least one of their three credit reports.
identified at least one potentially material error and filed a dispute.
consumers who filed disputes experienced some modification to their credit reports.
Source: Federal Trade Commission, Report to Congress Under Section 319 of the Fair and Accurate Credit Transactions Act of 2003, December 2012. Individual circumstances vary.
Review my profileYour profile is too important to simply assume everything is correct. These are the kinds of reporting concerns worth a closer look.
Your credit profile isn’t just data. It’s information protected by law.
A federal consumer-protection law governing consumer reporting. It gives consumers rights concerning access to their consumer files, privacy and permissible use of reports, and disputes about information they believe is inaccurate or incomplete.
You can dispute information in your consumer reports that you believe is inaccurate or incomplete. Qualifying disputes generally trigger investigation obligations, and may go to consumer reporting companies and, in appropriate circumstances, to the companies furnishing the information.
When information is properly disputed, consumer reporting companies and furnishers have responsibilities for investigation and reporting. Depending on the circumstances, information may be verified, corrected, updated, or deleted.
Federal law restricts when a consumer report may be obtained or used — generally only for legally recognized permissible purposes. If you believe your report was accessed improperly, you may have rights under federal law.
Credit repair isn’t about making truthful information disappear. Accurate and current negative information generally cannot legally be removed simply because it negatively affects a credit score.
Both levels follow the same standard. Premium adds priority handling for situations where time matters.
Professional assistance for consumers who want help understanding and addressing potential credit-reporting concerns.
Everything in Profile Resolution, plus priority handling, accelerated processing, enhanced monitoring, and a personalized strategy.
[Fee timing and payment terms to be confirmed by counsel before launch.]
When time matters, go Premium.
Your profile receives expedited analysis.
Eligible resolution matters receive priority attention.
Responses and available changes are closely tracked.
Your resolution approach is built around your individual profile.
Individual results and timing vary. No particular deletion, credit-score increase, outcome, or timeframe is guaranteed.
“Qualifying client,” “initial result,” the measurement period, and the data behind this claim are explained in full on the Premium page.
A clear, documented path — from your first review to building forward.
We review the credit information available to you across your reports.
We identify potential inaccuracies, inconsistencies, and incomplete information.
Where appropriate, we help you exercise your dispute rights with bureaus and furnishers.
We track responses and any changes to your reports.
Education and guidance to help you manage your profile from here.
Profile Shield helps consumers understand what’s being reported, identify potential inaccuracies or incomplete information, exercise applicable consumer rights, and work toward resolution.
What we can do, what no one can do, and how the process works.
No. Accurate and current negative information generally cannot legally be removed simply because it affects a credit score. We focus on information that may be inaccurate or incomplete.
No. No specific credit score, deletion, outcome, or timeframe is guaranteed. Results depend on what’s in your reports and how consumer reporting companies and furnishers respond.
Yes. You have the right to dispute inaccurate information directly with the credit bureaus at no cost. We help consumers who want professional assistance with the process.
Under the Fair Credit Reporting Act, consumer reporting companies generally must complete an investigation within 30 days of receiving a dispute, and up to 45 days in some circumstances.
Premium adds priority handling, accelerated processing, enhanced monitoring, and a personalized strategy. Individual results and timing still vary, and no timeframe is guaranteed.
Yes. You may cancel your agreement within three business days of signing, without penalty or obligation. [Full cancellation terms to be provided by counsel.]
Begin with a review of what’s being reported. We’ll walk you through what we find and the options available to you.
No specific credit score, deletion, outcome, or timeframe is guaranteed.