FCRA-Compliant  ·  Certified Mail  ·  AI-Powered

Credit Repair
That Actually
Works

Automated dispute letters mailed via certified mail to all 3 bureaus. Legal paper trail. Unlimited rounds until your report is clean.

Get Started Today → See How It Works

Your Credit Potential

300 850
520
FAIR CREDIT
Poor Fair Good Excellent
FCRA Compliant
256-bit Encrypted
Certified Mail
Unlimited Rounds
80%+

of credit reports contain errors you have a legal right to dispute

30+

average point increase after successfully removing errors

$50K+

saved on a 30-year mortgage with a 100-point score improvement

How It Works

Our proven process disputes inaccurate items using your federal rights under the FCRA.

1
📋

Upload Your Report

Upload your MyScoreIQ tri-merge report. We analyze every account across all 3 bureaus.

2
✉️

AI Analysis & Automated Certified Mailing

Your report is combed through account by account across all 3 bureaus. Every negative item is flagged, and AI-generated FCRA-compliant dispute letters are drafted and sent via certified mail to each bureau — creating a legal paper trail.

3
⏳

Bureaus Respond

By law, bureaus have 30 days to investigate. You upload their responses and we review every deletion and update.

4
🔄

Escalate If Needed

Items that survive Round 1 get escalated — method of verification, final demands, CFPB complaints until your report is clean.

📅 Each round takes 30–45 days. Most clients see results within 60–90 days.

Real Results

See what better credit makes possible

🏡
First-Time Homeowner
580 → 720 in 8 months

"After fixing report errors, I qualified for a mortgage at 4.5% instead of 7%. That's $400/month savings — over $144,000 over 30 years."

🚗
Dream Car Approved
620 → 710 in 5 months

"Went from denied to approved for a $35k auto loan at 5.9% instead of 12%. Saved $8,500 in interest over the loan term."

💼
Business Owner
590 → 740 in 10 months

"Clean credit unlocked $150,000 in business funding. I couldn't have launched my company without fixing my personal credit first."

*Results are illustrative examples. Individual results vary. No specific outcome is guaranteed.

All Your Financial Solutions

Everything you need to build a stronger financial future

💳

Credit Repair

Unlimited dispute rounds with FCRA-compliant letters to all 3 bureaus via certified mail.

View Plans →
💼

Business Funding

Access $10k–$500k+ for your business. 10% commission — we only get paid when you do.

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🏢

LLC Formation

Professional entity formation starting at $75 + state fees. Articles, EIN, and operating agreement included.

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Simple, Transparent Pricing

No hidden fees. Cancel anytime.

Basic

Get started with the essentials

$99/mo
  • Unlimited dispute rounds
  • All 3 bureaus covered
  • 5–7 day processing
  • Email support
Choose Basic
MOST POPULAR

Standard

Best value for most clients

$149/mo
  • Everything in Basic
  • 3–5 day processing
  • Chat support
  • Priority processing queue
Choose Standard

Premium

Maximum speed and support

$199/mo
  • Everything in Standard
  • 1–2 day processing
  • Phone support
  • Automated CFPB filing
Choose Premium

Common Questions

Everything you need to know before getting started

Yes, 100%. Under the Fair Credit Reporting Act (FCRA), you have a federal right to dispute any inaccurate, incomplete, or unverifiable information on your credit report. We use only legal dispute methods — certified mail, formal written disputes, and CFPB escalation.
Each dispute round takes 30–45 days for bureaus to respond, as required by federal law. Most clients begin seeing deletions and score improvements within 60–90 days. The total timeline depends on how many items are disputed. Results vary by individual situation — no specific outcome is guaranteed.
We use a MyScoreIQ tri-merge HTML report — one report that includes data from all 3 bureaus (Experian, TransUnion, Equifax). You can get one at MyScoreIQ.com. We need the HTML file format, not a PDF.
We dispute negative items only — late payments, collections, charge-offs, repossessions, bankruptcies, and other derogatory marks that appear inaccurate or unverifiable. We never dispute accurate positive information.
Payment is simple and flexible. After you submit your report, you'll receive payment instructions by email. We accept Venmo (@unlimitxxdsolutions), Zelle (info@unlimitxxdsolutions.com), and CashApp ($unlimitxxdsolutions). Your dispute pipeline starts as soon as payment is confirmed.
No. Filing a dispute does not hurt your credit score. The dispute process is a federal right under the FCRA. Successfully removing negative items typically improves your score — it is never counted as a negative action.
Unlimitxxd Solutions
Free Guide
The Credit
Blueprint
7-Step Guide to a Clean Credit Report
FREE DOWNLOAD
Free E-Book

Get the Credit Blueprint — Free

Learn exactly how the FCRA dispute process works, what items you can remove, how to write certified dispute letters, and how to escalate when bureaus don't cooperate.

  • Your full FCRA rights explained plainly
  • How to identify which items to dispute
  • 7-round escalation strategy that actually works
  • Long-term credit building tips after disputes
Read the Free Guide →

No email required. Instant access.

Ready to Fix Your Credit?

Upload your report and we handle everything — dispute letters, certified mail, escalation, and tracking.

Upload Your Report →

FCRA Compliant  ·  256-bit Encrypted

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