Questions and answers

Nothing. You send your report, and within 24 hours during business hours a manager tells you which entries can be disputed and what we suggest doing next. The review comes with no obligation.

Get your three-bureau report in SmartCredit, IdentityIQ or MyScoreIQ (trial access is about $1) and send the PDF report to a manager: via WhatsApp, Telegram or e-mail. After the review the manager will tell you what can be disputed and give approximate timelines.

No. Our main office is in Los Angeles, but we have clients in every state: disputes with the bureaus are handled by mail, and the contract and reports are completed online. Office visits are by appointment through a manager only.

We have a team of managers: each speaks Russian, English and also Ukrainian or Armenian, with more languages coming soon. Choose a language in the site header and the phone number switches to a manager who speaks it.

The bureau's first response arrives in 30–45 days: that is how long the law gives the bureau to verify each dispute. A full case usually takes 1 to 6 months; unnecessary inquiries are removed in about 2 weeks on average. Timeframes are averages from our experience and every case is different. Details in the article "Why credit history can't be repaired in a week".

No, and no one legally can: the result depends on the contents of the report and the bureaus' responses. The timelines we give are approximate and based on our clients' experience; once a month your client manager reports what has changed.

Any negative entry in the report. Most often these are:

• collections and debts handed over to collectors;
• charge-offs — debts written off by the bank;
• late payments of 30, 60, 90 or more days;
• hard inquiries — unnecessary creditor inquiries;
• repossession, eviction and court records;
• accounts that aren't yours and duplicates, errors in your name, address and SSN.

Every case is individual. Everything starts with a free report review: based on it we tell you which entries to dispute and in what order. The bureau must verify every disputed entry with the source, and everything that is not verified is removed.

Yes, it is your right and it is free: the bureau must accept a dispute from you directly. If you want to understand the system and handle disputes yourself, there is Excalibur Credit University (coming soon): video lessons, letter templates, a review of your report and manager support. And if you have no time, we take on the analysis, letters, correspondence with the three bureaus and data furnishers, and repeat disputes.

No hidden fees. Before any paid work begins, we sign a written contract listing the services, timeline and price, and you pay only for the specific services in the contract.

Yes, within three business days of signing — without giving a reason and without penalties. A cancellation form is attached to every contract.

On the number of entries and bureaus we need to work with, and on whether you need a credit boost or preparation for financing. The exact amount is fixed in the contract before work starts. Terms are on the page "Terms of Use and Offer".

We add you to a credit card with a long age and a high limit, and its history shows in your report after the next reporting cycle; the card stays for two cycles. This is not a loan and no money is issued. Lines with limits up to $60,000 and age up to 33 years, from $250 — on the page "Credit boost".

These are records of creditors requesting your report. Inquiries without your written consent are disputed under FCRA § 604; the rest stop affecting your score after 12 months. Details in the article "What are hard inquiries".

A review of utilization and account age, a plan for limits and authorized users, an application order that doesn't multiply inquiries, and a report check before applying. The goal is for the bank to see a reliable borrower.

We set up monitoring with alerts, help you place a fraud alert and a credit freeze at the bureaus, arrange identity theft insurance through a partner service and explain how to protect yourself going forward.

The free review takes 15–20 minutes: a manager shows the negative items in the report and says whether a boost makes sense. The personal consultation is two hours one-on-one with one of the company's owners, who has worked with credit reports for many years and knows the system from A to Z: a full report review, answers to any questions about credit history, cards, mortgages, auto loans and financing, and an action plan. Cost: $500.

Equifax, Experian and TransUnion, as well as ChexSystems, LexisNexis, Innovis and Experian RentBureau — if the problem with a bank account, rental or insurance is located there.