We challenge every item that shouldn't be on your report
If an item is inaccurate, outdated, or unverifiable, federal law says it can come off. Here's exactly what CreditLift Capital goes after.
The full scope of your credit report
Each item type gets a tailored dispute strategy — no templates, no guesswork.
Late payments
Inaccurate or unfairly reported late payments are challenged under FCRA accuracy rules. We dispute both the timing and the reporting until they're verified or removed.
Collections
Unverified collection accounts — original creditors and third-party agencies — are disputed and removed from your report when they can't be validated.
Charge-offs
Aged, sold, or erroneously reported charge-offs are contested with both the bureaus and the original creditor to force validation or deletion.
Bankruptcies
Outdated (10+ years) or misreported bankruptcies are flagged for timely removal, and reporting errors within the public record are disputed.
Hard inquiries
Unauthorized, duplicate, or promotional inquiries you never approved are disputed and removed to protect your score from unwanted dings.
Identity-theft accounts
Fraudulent accounts opened in your name are identified, disputed fast, and supported with the documentation bureaus require to delete them.
Disputes backed by real standards
The standards we hold ourselves to on every single case.
FCRA-compliant every step
Every letter follows the Fair Credit Reporting Act and Fair Debt Collection Practices Act — legally sound, never a shortcut.
One dedicated credit expert
Your case is managed end to end by one credit expert who knows your file — not a rotating call-center queue.
Transparent client portal
Watch disputes, deletions, and score updates land in real time. Always know exactly where your case stands.
Funding-ready results
We don't just clean your report — we position you to receive credit cards and leverage business funding at 0%.
Let's find out what can come off your report
Your free consultation identifies the disputes most likely to lift your score — and how to position for funding.