Straight answers, including the ones that aren't great for sales. If a credit firm won't tell you what it can't do, that tells you something.
The Basics
Yes. It's built on federal consumer protection law — primarily the Fair Credit Reporting Act, which requires that everything on your credit report be accurate, complete, and verifiable. When an item fails that standard, you have the right to challenge it and the bureau has a legal obligation to investigate. We're exercising rights that already belong to you.
It's the process of identifying information on your report that's inaccurate, incomplete, unverifiable, or reported past its legal time limit — and formally challenging it. It isn't erasing your history or wiping a report clean. It's forcing one question: can this be proven, with documentation, inside the timeframe the law requires?
Those categories can all be challenged, and frequently do come off — but only when the reporting doesn't hold up. Credit reports are assembled from thousands of sources, accounts get sold and transferred, and documentation degrades along the way, so errors are far more common than people expect. What we can't do is remove something that's accurate, complete, and properly verified. Anyone who tells you otherwise is selling you something.
Paying usually doesn't help as much as people assume. A paid collection can stay on your report — the status simply updates to "paid," which does much less for your score than a deletion. Depending on your state and the account, paying or even acknowledging a debt can also restart clocks you'd rather leave alone. Our advice is to make the collector validate the debt first, then decide with full information.
Timeline & Results
Bureaus generally have up to 30 days to complete an investigation, and reports update in cycles rather than instantly. Most clients work through several rounds over a period of months. We won't quote you a score by a date — the timing depends on how the bureaus and furnishers respond, which no company controls.
That's normal, and it's not the end. Often "verified" just means an automated check returned minimal data. We look at what moved instead — a balance that shifted, a date that changed, a new status remark. That movement tells us the file is active and shapes a sharper next challenge. Most results come from disciplined repetition, not a single letter.
Common, and usually it comes down to execution: generic letters, the wrong law applied to the wrong account type, disputes sent so quickly they overlapped their own investigation windows, or no proof of delivery. We'd review what was already sent and build from there rather than repeating it.
No, and no one legitimately can. We don't guarantee that any specific item will be removed or that your score will reach a particular number. What we commit to is correct process, full documentation, and telling you early — not after months of invoices — if an account looks unlikely to move.
Working Together
Very little after setup. You'll provide documentation at the start and keep credit monitoring active so we can pull current reports between rounds. From there our team handles the analysis, the disputes, the correspondence, and the follow-up. We'll reach out when we need a decision from you.
After your consultation you'll get a direct line to the team handling your file, along with access to track progress. You'll receive a structured monthly update showing what was sent, what came back, and what changed on your reports — so you're never left guessing where things stand.
Without current reports from all three bureaus we can't dispute, compare rounds, or verify corrections. Monitoring is how we catch the balance that shifted or the date that moved after a round — the details that drive the next challenge. It's required infrastructure, not an upsell.
Removing negative items clears the drag; it doesn't by itself build a strong profile. We move into building — the tradelines, utilization strategy, and habits that compound over time — and, when you're ready, into funding. Clients who stop at deletions often drift back.
Cost & Trust
It depends on what your file actually needs, which is why we don't publish a single number — quoting before we've seen your reports would be guessing. We'll walk you through pricing on the consultation, in writing, before you commit to anything.
Yes. We review your reports, explain what we see, and tell you what's realistic. If we don't think we can help, we'll say so on that call. No obligation either way.
Fair question — this industry has earned the suspicion. A few things to check, with us or anyone else: Do they guarantee deletions or a specific score? Nobody can. Do they promise results by a fixed date? The timelines aren't theirs to control. Will they put terms in writing before you pay? Can they show you exactly what was sent and when? Do they acknowledge you could dispute inaccurate items yourself for free? We'll answer all of those plainly, and you'll get everything documented.
Yes, and at no cost, directly with the bureaus. You have that right and we'd never pretend otherwise. What you'd be taking on is the discipline: the right law for each account type, correct timing between rounds, proof of delivery on everything, and a complete paper trail if escalation becomes necessary. 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 or any particular score outcome. Results depend on the accuracy of the information being reported and the outcome of bureau and furnisher investigations. You have the right to dispute inaccurate information yourself, free of charge, by contacting the credit bureaus directly.
Book a free, no-obligation consultation today. One conversation could change your financial trajectory.
No credit card. No pressure. Just clarity.
