Anton Kovalchuk
Chicago · truck driver
Thanks to the guys, they did everything as promised. Removed the Verizon collection and about 10 inquiries. Cleaned it all up in about 3 months. Happy with the result 👍
Collection VerizonHard inquiries
Which language is most comfortable for reading and talking to us?
We'll review your credit report for free and show which errors are in Experian, TransUnion and Equifax.
Thanks to the guys, they did everything as promised. Removed the Verizon collection and about 10 inquiries. Cleaned it all up in about 3 months. Happy with the result 👍
I didn't understand any of this credit stuff. My score was bad and there were a lot of inquiries. Narek said: we'll handle it, don't worry. A couple of months later they showed a good result, the score went up. Thank you, Narek jan
A friend recommended Narek to me. I had late payments and a few collections. They removed everything and my credit score went up nicely. I didn't expect it to work out so fast 🙏
I had a lot of inquiries and an old charge-off on a car and wanted all of it gone. I messaged Nikita and we got to work. In the end everything was removed. They know their job 👍
I know Narek through friends and messaged him after a dealer hit me with almost 40 inquiries 😂 They cleared them all and then raised the score too. Some time later I managed to get a car on decent terms. Now if anything comes up with credit, I know who to call 🤝
I had a lot going on: 5 collections and just a crazy number of inquiries. My credit score was 480. A friend of mine recommended Nikita. We got to work, everything was removed within three months and the score went up to 740.
Results vary and depend on the report contents and bureau responses.
We dispute negative entries: collections, charge-offs, unnecessary hard inquiries, repossessions, evictions. First we review your report and show exactly what can be disputed.
Start a review
A personal case review: answers to every question about credit history and financing, plus an action plan.
Discuss a plan
Utilization, account age, authorized user. We prepare the profile for a mortgage, auto loan or business line.
Prepare my profile
We add a card with a high limit and long history to your credit report, with you listed as an authorized user. Limits up to $60,000, age up to 33 years, from $250.
See credit lines
Fraud alert, freeze, monitoring and insurance in case of data theft. We show you how to protect yourself.
Protect my data
Set your score and pick a goal — we show the overpayment and who started from the same level. An estimate, not an offer: rates are approximate, results vary.
Assumptions: used-car auto loan $35,000 over 5 years, mortgage $450,000 over 30 years, $5,000 card balance. Rates are US market averages for 2025–2026 per Experian, myFICO and Bankrate; your rate depends on the lender and your report.
The same path for any task. First you contact a manager, then we help you through every stage.
Write or call. The manager clarifies the task: credit repair, funding, mortgage, auto, credit boost or a consultation.
We work with the monitoring services SmartCredit, IdentityIQ and MyScoreIQ. You get your report in one of them, and we see all three bureau reports.
We go through every entry: what can be disputed under FCRA, what blocks approvals, which limits and account age are missing.
Based on the analysis we decide what to do and in what order for your situation, and briefly explain the logic of each step.
You approve the plan, and we go through it together step by step. A client manager is assigned to you: they keep you updated and answer any questions.
We work under the Fair Credit Reporting Act (FCRA). All data is confidential.
4605 Lankershim Blvd, North HollywoodCompany headquarters: management and the leadership team are here. Excalibur has more than 10 people; managers speak Russian, Ukrainian, Armenian and English: from hard inquiries and credit boost to multi-stage disputes and funding strategy.
Credit monitoring and SSN theft protection. We are official partners of three services: order a three-bureau report from one of them (trial access is about $1) and send it to us — we will review it for free.
Reports and scores from all three bureaus, instant alerts if someone uses your Social. Our setup guide is on the Guides page.
Open IdentityIQ Partner
Daily FICO® monitoring across three bureaus and alerts about changes in your report.
Open MyScoreIQ Partner
Three-bureau reports, account tracking tools and an estimate of how actions affect your score.
Open SmartCredit
Every lender inquiry stays on the report for two years and counts toward the score for 12 months.
Read the article
A bureau has 30 days to investigate each dispute, and that period cannot be rushed.
Read the article
The sections of the report, what each entry means and where to look for errors. Our detailed guide from the knowledge base.
Open the guide