Not2LateCreditRepair
We review your credit reports, help you challenge items that are inaccurate or unverifiable, and coach you on building healthier credit habits, honestly and transparently.
No fees are charged before services are fully performed. Results vary.
Practical help to understand and improve what's on your credit reports.
A line-by-line review of your reports to spot errors, outdated entries, duplicates, and items worth questioning.
Disputing inaccurate or unverifiable items with Equifax, Experian, and TransUnion, and tracking their responses.
Preparing letters asking collectors to validate debts, as permitted under federal consumer law.
Guidance on fraud alerts, credit freezes, FTC identity theft reports, and disputing fraudulent accounts.
Personalized tips on payment history, utilization, and responsible ways to build positive credit over time.
Tell us about your goals. We'll explain your rights and our process; no pressure.
We audit your three bureau reports and identify items that may be inaccurate or unverifiable.
We prepare and send disputes and validation requests, then keep you updated on responses.
We help you create a plan to keep building positive credit for the long term.
No promises we can't keep. We explain what's realistic for your situation.
We follow the federal Credit Repair Organizations Act and California's Credit Services Act, including written contracts and your right to cancel.
No fees are charged before services are fully performed.
You work with a real person who keeps you informed throughout the process.
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Simple, transparent packages.
Starting at $400
Entry-level credit repair.
$650
Everything in Starter, PLUS:
$100
Individual dispute of a hard inquiry you believe is inaccurate or unauthorized. Outcomes are determined by the bureaus and are not guaranteed.
Ask About ItFees are charged only after the services are performed, as required by law.
No. No one can legally guarantee removals or a specific score increase. Accurate, verifiable information can stay on your report. Results vary by person.
Yes. You have the right to dispute inaccurate information directly with Equifax, Experian, and TransUnion for free. You can also get free reports at AnnualCreditReport.com. We offer help if you'd prefer support.
Starter Package starts at $400, the Deluxe Clean-Up Package is $650, and an individual hard inquiry dispute is $100 (see Pricing). We'll provide a written contract describing services and costs, and no fees are charged before services are fully performed.
It varies. Bureaus generally have about 30 days to investigate a dispute, and most plans take a few months.
No. Using a CPN or creating a "new credit identity" can be illegal. We never offer or recommend it.
No. We are not attorneys and do not provide legal advice. For legal matters, consult a licensed attorney.
Yes. Under federal law you may cancel your contract without penalty within 3 business days of signing.
Send us a message and we'll reach out to schedule a time.