Our Credit Repair Services
Comprehensive solutions to fix, rebuild, and protect your credit — backed by FCRA expertise and proven results.
Credit Report Error Disputes
We perform a line-by-line audit of your Experian, Equifax, and TransUnion reports to identify every inaccuracy, outdated item, and unverifiable entry. Our team crafts customized dispute letters using FCRA Section 611 verification requirements.
- Full 3-bureau report analysis
- Custom dispute letter campaigns
- 30/60/90-day follow-up cycles
- Bureau response tracking
Collection Account Removal
Collections destroy your score. We challenge collectors to verify debts under FDCPA and FCRA. If they can't prove it with original documentation, it gets removed. We also negotiate pay-for-delete agreements when strategic.
- FDCPA debt validation demands
- Pay-for-delete negotiations
- Statute of limitations analysis
- Cease-and-desist letters
Late Payment Removal
A single 30-day late payment can drop your score 100+ points. We dispute inaccurate late marks and, when they're legitimate, we negotiate goodwill removal letters with creditors on your behalf.
- Inaccurate late payment disputes
- Goodwill adjustment letters
- Creditor negotiation
- Payment history optimization
Charge-Off & Bankruptcy Cleanup
Even after discharge, charge-offs and bankruptcies often contain reporting errors. We verify every detail — dates, balances, account status — and dispute anything that's inaccurate or incomplete.
- Charge-off accuracy verification
- Bankruptcy reporting audits
- Balance and status disputes
- Re-aging violation challenges
Identity Theft Recovery
If fraud destroyed your credit, we help you recover. We file FTC identity theft reports, dispute fraudulent accounts, place fraud alerts and credit freezes, and work to restore your clean credit profile.
- FTC identity theft affidavits
- Fraudulent account disputes
- Credit freeze assistance
- Fraud alert placement
Credit Building Strategy
Beyond dispute work, we help you build a strong credit foundation. Personalized recommendations for secured cards, authorized user strategies, credit limit optimization, and utilization management.
- Secured card recommendations
- Authorized user strategy
- Credit utilization optimization
- Credit mix diversification
Choose Your Plan
All plans include a free initial credit analysis. No setup fees.
Essential
For clients with a few items to dispute
- 3-bureau credit analysis
- Up to 5 disputes per cycle
- Monthly progress reports
- Online dashboard access
- Email support
Aggressive
Our most popular plan for serious repair
- 3-bureau credit analysis
- Unlimited disputes per cycle
- Creditor intervention letters
- Goodwill negotiations
- Dedicated case manager
- Bi-weekly progress updates
- Phone & email support
Total Recovery
Maximum firepower for complex situations
- Everything in Aggressive
- Identity theft recovery
- Cease-and-desist letters
- Debt validation demands
- Credit building coaching
- Weekly progress calls
- Priority support
Not sure which plan is right for you?
Get a free consultation and we'll recommend the best strategy for your situation.
Schedule Free CallCROA Disclosure: You have the right to dispute inaccurate information in your credit report by contacting the credit bureau directly at no cost. You are not required to purchase any service from TrustScore Credit Repair. Under the Credit Repair Organizations Act (15 U.S.C. Sec. 1679), we cannot charge fees until services are performed, and you may cancel within 3 business days of signing without penalty. Pricing shown is for services rendered monthly; no setup fees or upfront charges apply. Results are not guaranteed. Visit our Legal Disclaimers and Terms of Service for full details.