Every dispute we file cites the credit bureau's own Metro 2 data-reporting format. We don't ask for goodwill. We demand accuracy under FCRA Section 611 and 623 — and we document every response for the client's record.
Every dispute begins with a full tri-merge audit — Experian, Equifax, TransUnion — cross-referenced against your Metro 2 data string.
We rank each item by likelihood of removal, weight on score, and lender-overlay impact. High-value first. Cosmetic last.
Every letter cites the bureau's own compliance format under FCRA §611. Furnishers get parallel §623 challenges when required.
When bureaus stall, we escalate — through the CFPB portal, state attorneys general, and where warranted, licensed consumer-rights counsel.
After removals, we architect the credit profile that comes next — utilization staging, tradeline balance, and monitoring so nothing slides.
Once restoration reaches its target, we transition to Tier II — mortgage readiness engineered against your lender's overlay.
Continue to Tier II →Book a consultation to determine whether restoration is the right engagement — or whether you're already ready to move directly to homebuyer readiness.
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