Getting denied over items on your credit report that may not even be accurate? We challenge them across all three bureaus — and tell you honestly what can move and what can't.
Sound Familiar?
You're being denied because of what a report says about you — sometimes accurately, often not.
What We Do
Credit reports are assembled from thousands of sources. Accounts get sold, records get transferred, balances and dates fall out of sync between bureaus. Errors are common — and federal law says every item has to be accurate, complete, and verifiable.
We find the items that fail that standard and formally challenge them. If the company reporting it can't back it up with proper documentation inside the legal timeframe, it has to be corrected or removed.
We work under the FCRA, FDCPA, and FCBA, dispute all three bureaus in parallel, and send everything with proof of delivery so nobody can claim they never received it.
How It Works
Every account, balance, date, and status, compared side by side. You leave the consultation knowing exactly where you stand and what's realistically possible.
Formal challenges citing the specific law that applies to that account type — sent certified, with delivery on record.
Bureaus generally have 30 days to verify with the original company. Anything they can't properly document must be corrected or deleted.
Whatever changed shapes the next round. You get a monthly update showing what was sent, what came back, and what moved.
That results are guaranteed, instant, or that we can remove accurate information. Nobody can — and anyone who says otherwise is selling you something. What we will do is tell you early if an account is unlikely to move, and why.
Before You Ask
The consultation and report review are free, and there are no upfront fees. We'll walk you through pricing on the call, once we've seen what your file actually needs — quoting before that would be guessing.
Bureaus have up to 30 days per investigation, and reports update in cycles. Most clients work through several rounds over a few months. Anyone promising a specific score by a specific date isn't describing how the system works.
No — and neither can anyone else. Accurate, verifiable items stay until they age off legally. We challenge what's inaccurate, incomplete, unverifiable, or reported past its time limit, which is more common than most people expect.
Yes, free of charge, directly with the bureaus. What you'd be taking on is the discipline: the right law for each account type, correct timing between rounds, proof of delivery, and a complete paper trail if it ever needs to escalate. That's the part we handle.
AGS Peak Consulting is not a law firm and does not provide legal advice. We do not guarantee the removal of any specific item from a credit report. Outcomes depend on the accuracy of the information being reported and the results of bureau and furnisher investigations. You have the right to dispute inaccurate information yourself, free of charge, by contacting the credit bureaus directly.
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Book a free, no-obligation consultation today. One conversation could change your financial trajectory.
No credit card. No pressure. Just clarity.
