The American Credit Repair & CoThe American Credit Repair & CoWe dispute inaccurate, unverifiable, and outdated items with the three major bureaus on your behalf, so your score reflects the credit you've actually earned.
No upfront disputes are filed without your written authorization.
Not a subscription that files paperwork and hopes. A dispute strategy built around your specific report.
We pull your reports from all three bureaus and flag every item that's inaccurate, unverifiable, duplicated, or past its reporting window.
We draft and file disputes directly with Equifax, Experian, and TransUnion, and follow up directly with creditors when needed.
Alongside disputes, we give you a plain-language plan for utilization, payment timing, and account mix to build a stronger file.
Four steps, and you'll know exactly where your case stands at every one of them.
We review your reports together and tell you honestly what can and can't realistically be disputed.
You sign a services agreement naming exactly what we're disputing on your behalf. Nothing is filed without it.
We file with the bureaus, track their 30-day response window, and escalate anything unresolved.
You get an updated report and a plain summary of what changed, item by item.
Real outcomes vary by credit history — here's how it went for a few of ours.
Two collections that weren't mine got removed within seven weeks. They explained every letter before it went out.
I'd tried disputing on my own and gave up. Having someone track the deadlines made the difference.
Score moved up 40 points in four months. Not everything came off, but they were upfront about that from day one.
The American Credit Repair & Co is a credit services organization. Under the federal Credit Repair Organizations Act (CROA), we cannot charge you before services are performed, guarantee a specific score increase, or remove accurate and timely information from your credit report.
You have the right to dispute inaccurate information on your own, directly with the bureaus and creditors, at no cost. You also have a right to cancel any services agreement with us within three business days of signing, without penalty.
*Score changes are individual results based on each client's starting report and are not guaranteed. Past outcomes for other clients do not predict your results.
No cost, no obligation. We'll tell you plainly what we find and what, if anything, we think we can help with.