These five things do most of the damage.
Every credit report is different, but almost every low score traces back to a handful of repeat offenders. The quiz tells you which ones apply to you.
Collections accounts
Old debts sold to a collector can often be challenged on accuracy or documentation grounds.
Late payments
A single 30-day late can sit on your report for years and quietly cap your score.
High utilization
Carrying more than 30% of your limit tells the score model you're stretched thin.
Repossessions & charge-offs
These carry heavy weight, but they're also the items most often missing required documentation.
Hard inquiries
A cluster of recent applications can shave points even when everything else is clean.
Thin credit history
Not enough active, healthy accounts can hold your score down as much as negative items do.
Three steps, no obligation.
Take the free quiz
Tell me about your current score range, what's on your report, and what you're trying to do next — buy a car, rent an apartment, get approved.
Get your breakdown
I'll show you exactly which items are dragging your score down and which ones are realistic to dispute.
I run your first round free
No card on file, no commitment. If it works for you, we keep going. If not, you keep the results.
Real starting points, real endpoints.
Placeholder journeys — swap these for your own client results and photos/video before launch.
"I had two collections and a repo sitting on my report for years. Four months in, both were gone and I financed my first car on my own."
D. Alvarez — verified client
"I didn't think anything could come off my report. Turned out three accounts had errors a collector couldn't back up. They're gone now."
P. Okafor — verified client
"Got denied for an apartment twice. Six months later I got approved with a co-signer no longer required."
S. Whitfield — verified client
Individual results. Results vary and are not typical.