Remove late payments, collections, and charge-offs from your credit report. We dispute inaccurate items under the Fair Credit Reporting Act to help improve your credit score.
Credit Score Range
Challenge inaccurate late marks
Dispute unverifiable debts
3-bureau comprehensive analysis
Plus charge-offs, repos, bankruptcies & more inaccurate items
Sarah from Queens, NY
Just booked a consultation
Trusted By Clients Nationwide
3 Bureaus
Equifax • Experian • TransUnion
FCRA & CROA
Fully Compliant Process
Pay for Results
No Upfront Fees
4.9/5 Rating
500+ Happy Clients
Before
512
After
695
"After working with CreditRise, I qualified for my first car loan. Life changing!"
Marcus T.
Long Island, NY
Before
548
After
721
"They removed 8 negative items. Finally bought my dream home!"
Sarah L.
Queens, NY
Before
489
After
668
"Medical bills destroyed my credit. CreditRise helped me dispute errors and now I'm on track to buy a house!"
James R.
Newark, NJ
"I send all my clients who need credit help to CreditRise. They're professional and actually get results. Highly recommend!"
John J.
Loan Officer • New York, NY
500+
Clients Helped
150+
Avg. Point Increase
10K+
Items Disputed
4.9/5
Client Rating
*Results vary. These testimonials represent individual experiences.
Better credit opens doors to the life you deserve
FCRA Compliant
Professional dispute process
Dispute inaccurate late marks
Challenge unverifiable debts
3-bureau comprehensive analysis
Our team disputes late payments, collections, charge-offs, repos, bankruptcies, and all other inaccurate items across all three credit bureaus.
We review all 3 bureaus to identify disputable items
We send FCRA-compliant dispute letters on your behalf
Monitor responses and pursue credit score improvement
We begin with a comprehensive review of your credit reports from all three major bureaus—Equifax, Experian, and TransUnion. We identify potentially inaccurate, unverifiable, or misleading items.
Under the Fair Credit Reporting Act (FCRA), you have the legal right to dispute any information you believe is inaccurate. We help prepare and file formal dispute letters to the credit bureaus and original creditors on your behalf.
Credit bureaus must investigate disputes within 30 days. If items cannot be verified, they must be removed or corrected. We monitor responses and continue working on remaining inaccuracies to pursue credit score improvement.
The Fair Credit Reporting Act (FCRA) gives you the right to dispute any information on your credit report that you believe is inaccurate, incomplete, or unverifiable. Credit bureaus must investigate within 30 days and remove items they cannot verify. You can also dispute items on your own for free.
No obligation • No hidden fees
Results vary by individual credit profile. We cannot guarantee specific outcomes or score improvements. Accurate information cannot be legally removed from credit reports.
Answer a few quick questions to see if we can help improve your credit score.
You only pay for results. Our success-based model means we're invested in your credit improvement.
Your legal right under FCRA
Under the Fair Credit Reporting Act, you have the right to dispute inaccurate items on your credit report yourself at no cost.
Performance-based pricing
We handle everything for you. You only pay for successful deletions — if we don't get results, you don't pay more.
Setup Fee: $299 covers your initial credit analysis and first round of disputes.
Per Deletion: $125 for each negative item successfully removed from each bureau.
Example: 1 collection removed from all 3 bureaus = $375 ($125 × 3 bureaus).
Results vary based on individual credit profiles. We cannot guarantee specific outcomes or removal of accurate information.
No Results = No Fee
You only pay when items are removed
100% Risk-Free
We believe in our process. You only pay for results — when negative items are actually removed from your credit reports. No results? No charge.
Take the first step toward credit score improvement. Our free consultation includes a comprehensive review of your credit situation with no obligation.
By scheduling a consultation, you agree to receive communication regarding your credit situation.