Straight answers about your credit.

Yes. The Fair Credit Reporting Act gives you the right to dispute inaccurate information, and the Credit Repair Organizations Act sets the rules credit repair companies must follow, including a written contract, a 3-business-day right to cancel, and no fees before services are performed.

Collections, charge-offs, repossessions, foreclosures, late payments, liens, judgments, medical bills, bankruptcies, and inquiries can all be challenged when they're inaccurate, incomplete, outdated, or can't be verified.

We can challenge them when they're reported inaccurately, can't be verified, or are past their legal reporting period. Accurate, current, and verifiable information can't be removed by anyone. Accurate negative items generally stay up to 7 years, and bankruptcies up to 10.

No honest company can. Results depend on what's in your report and how bureaus and creditors respond. We guarantee our effort: we'll challenge inaccurate, outdated, or unverifiable items and keep you informed throughout.

Credit bureaus sometimes report information that belongs to someone else. We'll dispute it. If it may be identity theft, we'll also point you to IdentityTheft.gov to file a report, which strengthens your dispute.

Yes, and it's free. Many people choose ScoreMend to save time, avoid mistakes, and have experienced advisors handle follow-ups and strategy.

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It depends on your file. Bureaus generally have 30 days to investigate a dispute, sometimes up to 45, so results come in rounds. Many clients see first updates within 30 to 90 days. If a bureau doesn't respond in time, we follow up.

Yes. Every plan covers Equifax, Experian, and TransUnion.

Yes. We'll review what was already disputed and what changed, then build your plan from where your reports are today.

A government-issued photo ID, proof of address, proof of your Social Security number, and current credit reports. Credit monitoring is the easiest way to get your reports.

Plans start at $99/month (Essential), $199/month (Advanced), and $299/month (Premium). Credit sweeps start at $2,500, and advanced public record assistance ranges from $2,500 to $5,000. Final pricing depends on your file and is confirmed in your free consultation. See Services & Pricing.

Monthly plan fees are charged only after that month's services have been performed. You'll sign a written agreement first and can cancel it for any reason within 3 business days.

Essential covers core disputes. Advanced adds a more aggressive, multi-round strategy and monitoring support. Premium is full-service support for complex files and bigger goals. Try the plan finder.

A tradeline is any credit account on your report, like a credit card or loan. Accounts in your own name are primary tradelines. An authorized user tradeline adds an established account you're an authorized user on, which can add credit age and available credit that helps lower your utilization.

Browse our current inventory or request a recommendation. We confirm availability, send your agreement and invoice, then add you before the account's reporting date.

No. Using our monitoring system will not hurt your score. Checking your own credit is a soft inquiry, no matter how often you check.

$1 for your first 7 days, then $24.97/month, billed by our monitoring partner. You can cancel with them anytime. Learn more.

Business credit is tied to your company and its EIN and is reported to business credit bureaus. Building it can help your business qualify for credit on its own profile.

It's custom-quoted based on your business stage, existing credit profile, funding goals, number of tradelines needed, and the financing amount you want. Book a consultation for a quote.