Comprehensive review of all three bureaus (Experian, Equifax, TransUnion) to identify errors and opportunities.
Professional dispute letters submitted to bureaus and creditors via CFPB portal and certified mail.
We challenge collection accounts that cannot be properly validated under the FDCPA.
A personalized action plan — what to pay, what to open, and what to avoid — to maximize your score over time.
Strategies to establish and grow business credit separate from your personal credit profile.
Late payments, collections, charge-offs, or incorrect information dragging down your personal score.
Preparing your credit profile to qualify for business loans, lines of credit, or SBA financing.
No credit history? We build a strategic path to establish tradelines and grow your score from zero.
We pull all three bureau reports and conduct a full analysis of every account, inquiry, and negative item.
We identify disputable items and build a strategy prioritizing the items with the highest score impact.
Disputes are submitted to bureaus and creditors via certified mail and CFPB portal for maximum effectiveness.
We track results, follow up on unresolved items, and update your roadmap as your score improves.
Results vary, but clients typically see meaningful improvements within 60–90 days. Some items resolve faster; complex cases may take 6+ months.
Any inaccurate, unverifiable, or outdated information — including late payments reported incorrectly, collections you don't recognize, and outdated personal information.
No. Filing disputes does not affect your credit score. Only hard inquiries from credit applications temporarily impact your score.
No ethical credit consultant can guarantee specific outcomes. We guarantee professional, persistent effort and transparent communication throughout the process.
Schedule a free consultation with Bradley Polanco. No pressure — just a clear picture of where you stand and what we can do together.
60 Island Street, Suite 214 · Lawrence, MA · Hablamos español · Falamos português