One in three Americans has at least one error on their credit report. We draft the FCRA-cited letter that forces the bureau or furnisher to fix it — addressed to the actual back-office mailbox, not the public-facing portal that gets ignored.
Demand the bureau verify the account or delete it. The single most-used credit-repair letter.
Force a debt collector to prove the debt is yours and accurate before they can keep collecting.
After a bureau says 'verified,' demand the actual procedure they used. Most can't produce it.
For one-off lates on accounts in good standing — the polite version that actually works.
Negotiate removal of a collection account in exchange for payment. Includes the right contract language.
Force removal of zombie debt resurfacing past the 7-year FCRA reporting limit.
Answer 6–10 questions about the account. We assemble the letter, the citations, the mailing address, and the proof-of-delivery setup. You review, edit, and send.