A lender reads this file before it reads the company.
A credit file is a set of decisions someone else made about you, and some of them are wrong. Personal credit, score and report, is the first of three owner-file parts, next to personal taxes, filings and anything open with the IRS, and personal finances, the personal financial statement, the one-page picture of what you own and owe that lenders ask for. We review all three bureau reports, dispute what is inaccurate or unverifiable, and build a rebuild plan for the rest. The difference from a dispute mill is the target. If you need a certain score for a mortgage by a real date, every step is aimed at that, and if the honest answer is that the timeline is longer, we tell you on the first call.
The MyFreeScoreNow snapshot gives us a starting file. It is an affiliate tool, and the footer says so.
What is costing you points, what is disputable, what needs time. A written plan with a target and a date.
Monthly rounds where warranted, tracked in writing, with the plan adjusted as items resolve.
No. Federal law prohibits that promise and we will not make it. We can tell you what is disputable and what the honest timeline looks like.
Rebuilding depends on the file. The plan gives you a date. We do not quote a generic number on this page.
For owners, yes. Your personal file is read before the company is, so credit repair is often step one of the capital work.
A house, a car, a business line. The target decides the plan.
The score in your banking app is a different model than the one a mortgage lender uses. People plan against the wrong number.
A collection past its reporting window is still on the file and still costing you. That is a straightforward dispute.
Balances reported at the wrong time of the month can cost points on a file that is otherwise clean. The fix is timing, not disputes.
The reports lenders actually pull, read line by line for errors, duplicates, and items past their reporting limit.
Written, specific, and tracked. Only where the item is inaccurate, incomplete, or unverifiable. We do not file frivolous disputes.
Utilization, account mix, payment history, and the timeline to your target. With business owners, the personal file feeds straight into the funding file.
Read the details · How a lender reads you