How it Works

Sign up

It’s easy. Just complete our 3 simple steps:

  1. 1) Register online on It’s easy to get started. Complete our signup form and then follow our instructions on getting your free credit reports.
  2. 2) Upload your tri-merge credit report from Credit Karma, Privacy Guard or IdentityIQ in your account.
  3. 3) Our partners will analyze your credit reports, write dispute letters in 48 hours and send them to the CRA’s.

Visit our office and we’ll do the first 3 steps in 15 minutes!



5) After 30 to 45 days, you will receive responses from the 3 major credit agencies and upload them online.

6) After you received the responses, the CRA’s will have 30 more days to fix their mistakes in your credit reports.

Dispute process

7) At the end of those 30 days, you will upload a new credit report in your account.

8) Our partners will analyze it and if your issues were fixed, your score will be improved.

9) If the CRAs did not fix the issues, our partners take them to court on your behalf, for free.


Customer Reviews

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If you have a question, feel free to use the form below. Please note that many of the most common questions are answered on our FAQ page. Thank you!