When consumer reporting agencies or data furnishers report inaccurate, unsubstantiated, or incomplete information, they’re not only breaking consumer protection laws but also risking serious liability under the FCRA, FDCPA, TILA, and the Gramm-Leach-Bliley Act, among others. This means you have rights—and we’re here to help you enforce them.

For example, if Experian lists your first delinquency as March 2022, TransUnion says April 2022, and Equifax shows no data, which one is correct? This minor inconsistency is a problem because inaccurate or incomplete reporting can affect your utilization or length of history, removal date etc. and now you’re turned down for a mortgage because of their willful non compliance or gross negligence (15 U.S code Ş 1681n), 15 U.S. Code § 1681s-2(b) and 15 U.S. Code § 1681e(b). 

Here’s where we make a difference: when the agencies don’t fix these errors, we work directly with a great team of consumer attorneys registered in every state in the United States to set up your case for litigation. This creates a win-win scenario for you: either they remove the inaccurate accounts, or we pursue a lawsuit—meaning you get paid, and the incorrect information is subsequently removed anyway. The law is on your side, and so are we. Don’t let their non-compliance hold you back. Let’s take action together!

PACKAGE CHOICES

These packages are designed differently depending on complexity. Prices are subject to different amounts depending on the situation and are negotiable. Monthly, upfront payments or half upfront half upon success allowed.

• • • Basic Consumer Profile Review & Compliance Package

    • Services Included:

    • • Basic dispute letters (factual-based disputes, FTC reports, CFPB reports, goodwill letters)

    • • Initial consumer profile analysis

    • Pricing: $50 per negative item or $300 for total profile review

    • Advanced Consumer Profile Restructuring & Management Package

    • Services Included:

    • • Referrals for S2B claims/EB claims

    • • Corporate trust and debt transfer analysis

    • • Enhanced dispute letters (CEO letters, dispute spamming, bankruptcy reporting corrections)

    • • Estoppel by silence letters

    • Pricing: $100 per case or $200/month for ongoing management

    • Premium Identity Protection & Profile Adjustment Package

    • Services Included:

    • • Comprehensive identity theft dispute strategy (affidavits, reporting to FTC, CFPB, AG, BBB) – Only for applicable cases

    • • Debt discharge guidance and strategies

    • • Secondary data system clean-up (e.g., ChexSystems, Early Warning Systems)

    • • Criminal background reporting suppression services (legal analysis for incorrect reporting)

    • Pricing: $150 per case, or $250/month for continuous monitoring and follow-up

    • Additional Services

    • Services Included:

    • • Contract analysis and issue identification for enforceability

    • • Lease breaking assistance (consultation and drafting support)

    • • Debt consolidation advice and referral

    • • Corporate trust debt transfers and dispute notifications

    • • Bankruptcy verification services

    • • Support for FCRA, FDCPA, TILA, ECOA claims

    • • Custom estoppel by silence letters and cease and desist orders

    • • 3-bureau report generation and dispute tracking

    • • Backdated letter requests for outdated information

    • Pricing: $50-$150 depending on case complexity

    • DIY Consumer Profile Restructuring & Identity Protection Package

    • This package is designed for clients who prefer managing their own disputes and profile adjustments but require structured guidance, templates, and tools to do so effectively. It ensures privacy and control over their data while offering assistance when needed.

    • Included Services:

    • 1. DIY Templates and Tools

    • • Dispute Letter Templates: Comprehensive letters for factual-based disputes, goodwill requests, identity theft affidavits, cease and desist orders, debt validation requests, CEO letters, and more

    • • Backdated Letter Templates: For retroactive adjustments of credit history

    • 2. Step-by-Step Guides

    • • How to read and understand credit reports

    • • Dispute process and escalation instructions for follow-ups with the 3 credit bureaus

    • • Tracking and handling dispute responses (verification/validation requests)

    • 3. Report Generation Tools

    • • Access to tools for generating credit reports and identifying dispute opportunities

    • 4. Secondary Data Furnisher Clean-Up Tools

    • • Guidance for disputing incorrect information in systems like ChexSystems and Early Warning Services

    • 5. Educational Videos & Webinars

    • • Pre-recorded videos on common credit report issues, dispute processes, and template usage

    • 6. Email Support for Quick Questions

    • • Short email responses to quick inquiries related to template use or dispute processes

    • 7. Legal Resources & Compliance Checklists

    • • Information on FCRA, FDCPA, and other relevant consumer laws to ensure compliance

    • 8. Dispute Tracker Spreadsheet

    • • Template to track disputes and follow-ups

    • Pricing Options:

    • • One-Time DIY Package Access: $150 - $250 (Access to templates, guides, videos, tools, and 30-day email support)

    • • DIY Monthly Subscription: $50/month (Ongoing support, updates, live webinars, and monthly check-ins)

    • • DIY Premium Package: $350 one-time (3-month access to live webinars, priority email support, advanced resources)