ServicesExcalibur Credit Solutions

Services: from a free report review to a credit boost

We dispute negative entries in your credit history, prepare your profile for a mortgage, auto loan and cards, add a credit boost and protect you from identity theft. The first step is always free, the contract is in writing, no hidden fees.

Get my free credit report review View services

Freethree-bureau report review: no obligations, nothing to buy

1–6 monthsaverage time to repair a history; unnecessary inquiries are removed in about 2 weeks on average*

4 languagesmanagers reply in Russian, English, Ukrainian and Armenian

from $250credit boost: a card with a long age and a high limit in your history

What we do

Six services. Each starts with a free report review: a manager will tell you what you actually need and what you don't.

Free credit report review

A short 15–20 minute review. You order a three-bureau report from SmartCredit, IdentityIQ or MyScoreIQ (trial access is about $1) and send it to us. A manager points out the negative items in the report, says what can be disputed and whether a boost makes sense, and leaves you their contacts.

A review of all three bureau reports
A short plan: what to dispute and whether a boost makes sense
An honest answer if there is nothing to dispute
No obligations: the decision is always yours

15–20 minutes3 bureausNo obligations

Freenothing to buy

Send report

Credit repair

We dispute negative entries: collections, charge-offs, unnecessary hard inquiries, repossessions, evictions. We work with Equifax, Experian and TransUnion, as well as ChexSystems, LexisNexis, Innovis and Experian RentBureau.

We review the report and find what can be disputed
We handle disputes with the bureaus and creditors for you
Once a month your client manager updates the reports and tells you what has changed
Repeat rounds if the bureau confirms an entry

1–6 months*Inquiries ≈ 2 weeks*No hidden fees

By contractthe price depends on the scope of work

Start a review

Credit strategy: a personal consultation

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 review of your report, answers to all questions about cards, limits, auto, mortgage and business financing and, if needed, a route: what to open, what to close, where to go and in what order. In Russian, English or Armenian.

A full report review with one of the company's owners
Answers to any questions about credit in the US
An action roadmap on request
The meeting recording and materials stay with you

2 hoursOnlineРусский · English · Հայերեն

$500per 2-hour consultation

Book a session

Preparing for a mortgage, auto loan and cards

Our managers analyze your report, find the negative items and briefly tell you what to close, what to open and what may affect approval. We prepare the report and refer you to trusted specialists we have already worked with.

Report analysis and a list of negative items
What to close, what to open and what not to touch before applying
DTI and reserve recommendations for a mortgage
We refer you to a dealer, auto broker, loan officer, mortgage broker or realtor

MortgageAuto loanCards

By contractusually 1–3 months before applying*

Prepare my profile

Credit boost

We add you to a credit card with a long age and a high limit. The card's age and limit carry over into your credit history, the metrics your score depends on improve, and so do your chances of approval.

Always 200–250 cards in stock: Chase, Citi, Amex, Discover and others
Age up to 33 years, limit up to $60,000
Ready-made packages and manager selection
Some cards may be unavailable: check availability with a manager

Authorized user≈60 daysOnline catalog

From $250per line · check availability with a manager

See credit lines

Data theft protection

Setting up monitoring, fraud alerts and credit freezes at the bureaus, plus insurance through a partner service. We explain how to protect your SSN and what to do if someone has already opened an account in your name.

Credit freezes at all three bureaus
Fraud alert and IdentityIQ monitoring
An action plan in case of identity theft
Disputes over accounts you did not open

SSNFreezeMonitoring

By contractmonitoring is paid to the partner directly

Protect my data

* Timeframes are averages from our company's experience and are not guaranteed: the result and timing of every case are individual and depend on the report and the bureaus' responses.

What can be disputed under the FCRA

The bureau must verify every entry you dispute and remove what cannot be confirmed. Here is what we work with most often.

Payments and debts

Late payments, collections, charge-offs, repossessions and evictions

Errors and someone else's data

Accounts that aren't yours or are duplicated, personal data errors, accounts opened after identity theft, wrong balances and limits

Inquiries and time limits

Hard inquiries and outdated entries that should already be off the report

Public records and databases

Court records and bankruptcies, ChexSystems and LexisNexis records

What we don't do

We don't promise the impossible: the bureau verifies every entry with the source, and the result depends on that verification.
We do not promise a specific score or 100% bank approval
No hidden fees: we fix the scope of work and the price in advance, and you pay only for specific services

How the work goes

The same order for every service: first contact with a manager, then the report, analysis, a plan and work on it.

Contact a manager

Message or call us. We'll clarify the task and the language.

Credit report

You order a three-bureau report from SmartCredit, IdentityIQ or MyScoreIQ (about $1) and send it to us.

Analysis

We go through every entry: what can be disputed, what blocks approval.

Plan

We decide what to do and in what order in your specific situation.

Work and reports

Your client manager reports on progress and answers your questions.

Not sure which service you need?

Send us your report — it's free. A manager will tell you what can be disputed, what to prepare and whether it's worth starting at all.

Send report +1 (747) 368-9414

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