How much does this cost?

The initial review is free. We quote the engagement in writing after that review, because a file with a few documented inaccuracies is a smaller matter than one involving identity theft or a furnisher that has already refused to correct the record.

How long will it take?

A straightforward file often resolves in two to four months. Bureaus generally have thirty days to complete a reinvestigation, and most files require more than one cycle. Fraud, merged records, and litigation take longer.

Can you remove accurate negative information?

No, and no one can. Accurate, current, verifiable information stays for the period the statute allows. We address information that is inaccurate, incomplete, obsolete, unverifiable, or attributable to someone else.

How many points will my score go up?

No one can answer that honestly in advance. Scoring models weigh recency, severity, balances, and account age differently in every file. We will tell you which items are hurting you most and what correcting them is likely to change in direction.

I already disputed and was told the information was verified. Is anything left?

Usually yes. A verification response raises procedural questions about what the bureau actually did and what the furnisher reviewed. Those questions carry weight when the party asking them can act on the answers.

Do you serve my state?

All fifty states and the District of Columbia. Credit reporting is governed primarily by federal law and the bureaus operate nationally, so everything is handled remotely.

Established 2012 | Serving Consumers Nationwide

Credit Report Errors Can Cost You. Our Legal Team Fights Back.

We identify inaccurate, outdated, duplicated, and unauthorized credit reporting, build documented disputes, and escalate legitimate violations when the reporting companies refuse to correct them.

Request My Free Report Review Call (281) 971-0200

No cost. No obligation. Response within one business day.

Established 2012

Serving Consumers Nationwide

Attorney-Directed Files

Free Initial Report Review

Meet the Legal Team

Sean Madera

General Counsel

Bar admission: 04/30/2015
State Bar of Texas number: 24094809
Experience: 10+ years in practice
Focus: Consumer law and credit reporting

Admitted in Texas on April 30, 2015, Sean Madera has spent more than a decade in consumer-facing legal work, with a practice concentration in credit reporting accuracy, disputes with the national consumer reporting agencies, and claims against furnishers that continue reporting information they know to be wrong. He sets the strategy for the files this office accepts and answers for the outcome of that work.

2350 N. Sam Houston Parkway East, Suite 400, Houston, Texas 77032

Read the complete biography

Do You Recognize Any of These Problems?

These are the entries we correct most often. If one of them appears on your report, there is a defined legal path for it.

Accounts that are not yours

Tradelines belonging to a relative, a former spouse, or a stranger with similar identifiers.

Identity theft accounts

Credit opened in your name after a breach, a stolen wallet, or a compromised account.

Duplicate collections

The same original debt sold and re-reported by two or more collection agencies.

Incorrect late payments

Delinquencies recorded during forbearance, deferment, or an approved payment arrangement.

Re-aged debt

An old account given a new date of first delinquency so it stays on the report longer.

Discharged debts showing balances

Accounts discharged in bankruptcy that still report an amount owed.

Unauthorized hard inquiries

Credit pulls placed without a permissible purpose under federal law.

Obsolete information

Entries that should have aged off under the reporting time limits.

See every category of reporting error we handle

Why Attorney-Led Matters

A comparison of how a typical dispute-letter service is structured and how this practice is structured.

Typical dispute-letter service

Attorney-led representation

Who handles your file

Intake staff following a script and a monthly dispute quota.

A licensed attorney directs the file, supported by trained paralegals.

How disputes are built

Template letters sent on a recurring cycle.

Item-by-item review of all three reports, with supporting documentation attached.

When a bureau responds “verified”

The same letter is generally resent in the next cycle.

Method of verification demands and direct furnisher demands, with the record preserved.

If the reporting still is not corrected

No authority to act further on your behalf.

Claims may be pursued under the FCRA and related consumer statutes where warranted.

Accountability

A service agreement.

An attorney of record, licensed and publicly verifiable, answering for the work.

Read the full comparison

How the work proceeds

Review

We obtain and audit all three bureau reports and flag every questionable entry.

Investigate

We gather documentation and identify which items the law actually gives you leverage on.

Dispute

Documented disputes go to the bureaus and, where appropriate, directly to the furnisher.

Escalate

When a legitimate violation is not corrected, we pursue the remedies federal law provides.

See the full process in detail

Columned federal courthouse steps at golden hour

Every letter we send is backed by the willingness to file suit if the record supports one.

Attorney directed since 2012

Verified client feedback

We publish only reviews and results that can be verified. Rather than post testimonials we cannot attribute, this space is reserved for authentic Google reviews, signed client statements, and documented case summaries as they are cleared for publication.

Google reviews

Publication pending review

Client statements

Publication pending review

Documented case summaries

Publication pending review

Past results do not guarantee a similar outcome in any other matter.

Frequently asked questions

Read every question we are asked

Start with a free credit report review

Send your information and an attorney-directed team will respond within one business day. No cost and no obligation for the initial review.

Call (281) 971-0200

Request your free credit report review

Tell us what is happening and our attorney-directed team will respond within one business day. There is no cost and no obligation for the initial review.

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