Challenge inaccurate, unverifiable, and outdated items under the FCRA, and build positive credit going forward.
Get Your Free Quote| 44% | Of Americans who reviewed their credit reports found at least one error. 27% found errors serious enough to damage their creditworthiness. (Consumer Reports / WorkMoney Credit Checkup, 2024) |
| 1 in 5 | Consumers have a ‘potentially material error’ in their credit file that makes them appear riskier than they actually are, according to Brookings Institution analysis of FTC data. |
| 5 Million | Consumer complaints about credit reporting errors filed with the CFPB in 2025, up from 1.3M in 2023. Credit reporting now represents over 80% of all CFPB complaints. (CFPB complaint database, 2025) |
Credit repair is the process of reviewing your three credit reports and disputing inaccurate, unverifiable, or outdated items under the Fair Credit Reporting Act, which requires the bureaus to investigate and remove anything they cannot verify, while a credit builder tool reports positive payment history to grow your score. In a 2024 Consumer Reports study, 44% of people found at least one error on their credit reports and 27% found errors serious enough to hurt their creditworthiness.
Under the Fair Credit Reporting Act (FCRA), you have the legal right to dispute inaccurate, unverifiable, or outdated information on your credit reports. When you dispute an item, the credit bureau must investigate and remove any information it cannot verify as accurate. The program systematically identifies every actionable item across all three bureaus and files targeted disputes on your behalf.
Removing negatives is only half the equation. Payment history accounts for 35% of your credit score, the single most influential factor. The program includes credit builder tools that report positive payment history to all three bureaus, systematically building the positive foundation your score needs alongside the removal of inaccurate negatives.
A credit builder tool is activated that reports positive payment history to all three bureaus, building the positive credit foundation your score needs to grow.
Credit repair is the process of reviewing your credit reports, identifying items that are inaccurate, unverifiable, or outdated, and formally disputing those items with the credit bureaus under your rights granted by the Fair Credit Reporting Act (FCRA).
Very common. A 2024 Consumer Reports study found 44% of participants found at least one error on their credit report. The Brookings Institution found that more than 1 in 5 consumers have a material error that makes them appear riskier than they actually are. The CFPB received nearly 5 million credit reporting complaints in 2025.
Yes. Identity theft victims often have fraudulent accounts, inquiries, and collections on their reports. The program addresses all of these, including fraud alerts and credit freezes where needed.
How to access your score without a Social Security number.
Why your score matters across loans, rates, and more.
What paying closed accounts does to your score.
How soon scores typically start to rebound.
Negotiating removal of collection accounts.
United Debt Relief is America’s Debt Relief Experts, a national debt relief company serving all 50 states. Our five programs span debt settlement, debt validation, debt consolidation loans, tax resolution, and credit repair, so your debt, tax, and credit problems are handled together rather than referred out. Our specialists assess your situation, explain each option, and enroll you in the one that fits. Program services are performed by our stringently vetted in-network providers and law firms, each BBB Accredited with an A rating. Results vary by situation.
We use cookies to give you the best online experience. By using this website you agree with our cookie policy.