We find the errors dragging your score down, fight them with AI-crafted dispute letters grounded in your legal rights, and give you a clear 90-day plan to rebuild — with a portal where you watch every step happen. Your first disputes are filed within days — and by law, the bureaus must respond within about 30.
Wherever you're headed, the path starts with cleaning up your reports.
Collections, late payments, old marks that shouldn't be there — we go through all three bureaus line by line and dispute everything inaccurate or unverifiable.
Start my comeback →A few wrong items can be the difference between denied and approved — and between an okay rate and a great one. Get mortgage-ready before you apply.
Get mortgage-ready →Stop getting quoted brutal subprime rates. We clean up your reports so you can walk into the dealership with a score that gets respect.
Boost me before I buy →Equifax, Experian, and TransUnion — every line, every account. We flag everything inaccurate, outdated, or unverifiable.
Every dispute letter is custom-written for your exact situation and grounded in your rights under the Fair Credit Reporting Act. Never a recycled template.
Your client portal shows every dispute, its status, and your score climbing — plus your personal 90-day action plan. No chasing us for updates.
Doing nothing isn't free. A low score quietly taxes everything you do.
Subprime borrowers pay dramatically higher rates on cars, cards, and homes. Over the life of a loan, the same purchase can cost thousands more than it does for someone with good credit.
Apartment applications rejected. Utility and phone deposits. Co-signers required. A low score makes you prove yourself over and over — and pay for the privilege.
The house, the car, the business loan, even some jobs — opportunities pass by quietly while errors that were never your fault sit on your reports.
Completely. The Fair Credit Reporting Act gives you the legal right to dispute anything on your reports that's inaccurate, outdated, or can't be verified. We exercise those rights for you — professionally and relentlessly.
No — and anyone who promises that is lying to you. What we can do is challenge everything inaccurate, unverifiable, or improperly reported (which is more common than you'd think), and coach you on rebuilding the rest.
Your first disputes go out within days of signing up, and bureaus must respond within about 30 days by law. Most clients work with us for 3–6 months. You'll watch every step in your portal.
The review is free — you'll know exactly what we'd dispute before paying anything. From there it's a simple month-to-month plan with no long-term contract. Cancel anytime.
Two things. Every dispute letter is AI-crafted for your exact situation — not a template the bureaus have seen ten thousand times. And your portal shows you everything in real time, so you never wonder what you're paying for.
Car dealers, realtors, property managers, tax pros — refer the customers you can't help and earn $75–$110 for every one who signs up. They come back ready to buy. You get paid.
Tell us where you are and where you want to go. A credit specialist will reach out within one business day — no cost, no obligation, no judgment. We've seen it all, and we've helped people come back from all of it.
A credit specialist from Chances Credit Repair will reach out within one business day.