We take problematic credit reports seriously. We understand the consumer laws, and we help our clients leverage those legal rights to ensure credit fairness.
From bankruptcies, to charge-offs, to medical bills, we have challenged virtually every credit problem, helping our clients correct errors and clean up their files.
We perform an in-depth review of your files from Equifax, Experian, and TransUnion. We locate errors, duplicate accounts, outdated public records, and unauthorized inquiries that drag down your rating.
We advise you on optimal utilization limits, account opening/closing procedures, and the strategic addition of positive payment histories to rebuild a solid credit foundation.
We target your overall credit profile structure. We assist you in establishing credit lines, securing cards, and aligning your score to meet specific lender approval requirements.
We audit Experian, Equifax, and TransUnion reports side-by-side to identify reporting inconsistencies, outdated collection records, and violations of credit reporting laws.
Our specialists draft and send customized legal challenges directly to the bureaus and creditors, disputing inaccurate, unverified, or outdated data on your behalf.
Log in securely to view real-time updates on your disputes, track bureau responses, read communication history, and upload new credit documents effortlessly.
Negative entries can severely impact your credit scores. Here is an overview of how different negative marks affect your rating depending on your initial score.
Typically lowers your credit score by 85–105 points if your score is already low, and 140–240 points if your score is higher.
Can reduce your score by 85–105 points with poor credit, and 120–160 points with good credit.
Often results in a drop of 85–105 points for lower scores, and 120–160 points for higher scores.
Generally lowers your score by 50–80 points with lower credit, and 85–120 points with higher credit.
Point reductions are averages. Actual impact varies based on your overall credit file and payment histories.
Learn more about how our consultation, audit, and dispute programs operate.
Don't let errors or negative marks limit your purchasing power. Schedule a free, personalized credit review today with the specialists at Prtll Services.
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