FAQ

Remove the "account in dispute" notation on trade line items!



With your assistance we will remove the account in dispute notation on trade lines on your credit file. In today's lending environment many lenders will not qualify you for loan approval if you have an account reporting in dispute status.

This program is designed to systematically go through and remove these accounts in dispute notations from your credit file at both the bureau and creditor level. This is a 30 day program that will require your assistance to ensure maximum success.

There are certain creditors that will violate the federal guidelines and still report the disputed tag line even though the consumer has followed the laws for removal and in those cases we will work the loan officer to help in the escalation of the file at the third party credit reporting level. This may require the third party to order a "quick score" report or an "enhanced bureau update" report. We will provide them with the documentation that will allow them to do a reinvestigation and manually over-ride the creditors reporting.

Program includes the following.


  • Our cost structure for this program is two monthly installment payments of $150. The setup fee is your initial payment. We also accept by-monthly payments.
  • Documented certified response to both the bureaus and the creditors demanding the removal of the account in dispute notation on one's credit file.
  • Tracking and storing of the certified response requests that enable escalation should a creditor not remove the disputed status in accordance with FTC guidelines.
  • Working with the loan officer after the re-pull of the updated credit file and enabling further escalation of the file at the third party reporting level.
  • If at the conclusion of the 30 days there is a trade line still showing the account in dispute status we will continue with another months efforts free of charge to see that this tag line is removed from the credit file.

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Refund Policy:

If we are unable to achieve the short-term goals as outlined in your evaluation and you have done as we have asked in the evaluation, we will work on your credit file for free for up to 2 months or until we have met the short term credit goals we outlined for you. If after two months of working with you beyond the program time, we are still unable to achieve those written goals as defined in your evaluation we will refund you your money in full at that time.