Every inaccurate, outdated, or unverifiable item on your reports gets found, documented, and challenged under federal law. Free audit. No upfront fees. Cancel anytime.
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The Fair Credit Reporting Act requires everything on your reports to be accurate, current, and verifiable. Anything that fails that test is fair game.
Accounts that are not yours, wrong balances, wrong dates, duplicate collections, and mixed files. If the data is wrong, the bureau must fix it or remove it.
Most negative items must come off after 7 years, bankruptcies after 10. Items past their legal reporting window get challenged for removal.
When a furnisher cannot document that an item is accurate, the law says it cannot stay. We demand the proof, round after round.
We pull all 3 reports, flag every questionable item, and hand you a written game plan. You see exactly what we would challenge and why, before you pay anything.
We prepare and send documented challenges to all three bureaus and, where it helps, directly to the furnishers. Bureaus generally have 30 days to respond to each round.
After every cycle you get a plain-English update: what came back, what changed, and what we are escalating next. We keep going until your file is clean or you tell us to stop.
Billed at the end of each month, for that month of work. Audit and game plan free. No setup fee. Cancel anytime.
We never charge before services are performed, as required by the Credit Repair Organizations Act. You may cancel your contract within three business days at no charge, and cancel the service anytime after.
"They walked me through exactly what they were challenging and why. A few items I didn't even recognize came off, and the whole thing was easier than I expected."
"I had two accounts on my report that were not mine. Colst Capital documented the disputes and stayed on it until they were resolved."
"What sold me was that I paid nothing to get started and only for work they actually performed. Felt fair the whole time."
"Professional and patient. They answered every question and were upfront that results depend on my specific situation."
Reviews reflect the experiences of individual clients and are not a promise of results. Outcomes depend on the specific items on your reports and how bureaus and furnishers respond. Results vary. We do not guarantee any specific score increase or the removal of any specific item.
Yes. The Fair Credit Reporting Act gives you the right to dispute anything inaccurate, outdated, or unverifiable on your reports, and the Credit Repair Organizations Act regulates companies like ours that do it for you. We operate inside both: no fees before work is performed, a written contract, and a 3-business-day right to cancel.
No, and anyone who promises that is lying to you. Accurate, current, verifiable information stays. Our job is the other stuff: the wrong, the stale, and the undocumented, plus positioning the rest of your profile so lenders read it favorably.
Bureaus generally have 30 days to respond to each dispute round, so most clients work with us for a few months. Some files clean up in one round. Others take several. Your audit will tell you what you are looking at before you commit.
That is where most credit repair companies stop and where we keep going. When your file is ready, we run a funding readiness review and, if you want, move you into our funding service: business loans, business credit cards, or personal loans, with our fee due only after funds land.
We pull all 3 reports, flag every questionable item, and send you a written game plan. If you like it, we get to work. If not, it cost you nothing.
No upfront fees. No long contracts. Cancel anytime.