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The credit you've already earned —
actually showing up.
Remove inaccurate negative items from your credit report — collections, late payments, charge-offs — with a specialist managing every dispute, every letter, every response.
From audit to resolution — every dispute, managed end-to-end.
A clear path from initial credit audit to final removals. You don't write a single letter or talk to a single bureau — your specialist handles it all.
Audit
A specialist pulls your reports from all three bureaus, identifies every inaccurate negative item, and maps your repair plan.
Dispute
Round-by-round dispute letters are sent to bureaus and creditors using the legal frameworks (FCRA, FDCPA) that force responses.
Resolve
Bureaus respond within 30 days. Items that can't be verified are removed. Stubborn ones get escalated.
Maintain
Ongoing credit monitoring, follow-up disputes for items that re-appear, and a maintenance plan so your repaired profile stays clean.
A specialist pulls your reports from Experian, Equifax, and TransUnion — identifies every inaccurate, unverifiable, or outdated negative item, and maps the repair plan.
Tri-bureau credit pull
We pull your reports from all three major bureaus to get the full picture — items often differ across reports.
Item-by-item review
Every negative item is reviewed for accuracy, completeness, age, and verifiability under FCRA standards.
Dispute strategy mapping
A repair plan with prioritized dispute order, dispute basis (inaccurate, unverifiable, obsolete), and expected timeline.
No-cost intake
The audit is free. You see the plan before any letters are sent and any fees are due.
Round-by-round dispute letters are sent to bureaus and creditors using the legal frameworks (FCRA, FDCPA, METRO 2) that force documented responses or removals.
Pursuant to the Fair Credit Reporting Act (FCRA) Section 611, I am disputing the following items on my credit report as inaccurate, unverifiable, or outdated...
Item 1: Collection · Midland Funding · $1,240. Basis: this debt cannot be verified under FCRA standards. Demand documentation of original creditor, chain of title, and method of verification...
Bureau disputes (FCRA)
Initial dispute letters challenge inaccurate items. Bureaus must investigate and respond within 30 days.
Creditor disputes (FDCPA)
Parallel letters to the original creditors require documented verification of the debt and reporting accuracy.
Method-of-verification
When bureaus claim items are "verified," we demand the actual verification methods used — most can't produce them.
Escalation letters
Items that don't resolve in round 1 get escalated with additional legal grounds and procedural challenges.
Documentation tracked
Every letter, every response, every certified-mail receipt — tracked end-to-end so you have the paper trail if needed.
Bureaus respond within 30 days. Items that can't be verified or accurately reported are removed. Stubborn items get escalated to subsequent dispute rounds.
30-day response window
FCRA requires bureaus to respond within 30 days of receiving a dispute — they don't get to ignore it.
Removal confirmation
Items removed by the bureau are confirmed in your updated credit report. We track the score impact.
Repeat-dispute strategy
Items that survive round 1 get re-disputed with new grounds in round 2. Most negative items don't survive 2–3 rounds.
Final outcomes
A clear report on every item — removed, partially modified, or left in place — with the reason for each.
Ongoing credit monitoring catches new issues early. Follow-up disputes for items that re-appear. A clean profile stays clean.
Tri-bureau monitoring
Monthly pulls from all three bureaus catch new collections, inquiries, or errors before they hurt your score.
Re-aging dispute support
Some items try to re-appear after removal. We catch and re-dispute them immediately when they do.
Score tracking
Month-over-month FICO tracking so you see the trend, not just the snapshot.
Plan-to-keep-clean
A simple maintenance plan — what to do, what to avoid — so the repaired profile actually stays repaired.
Sized to the work your profile actually needs.
Every plan is built around the audit findings. Pricing is per item removed — you only pay for results.
Foundation Plan
1–3 items · 30–60 daysLight cleanup for profiles with a few inaccurate items. Right when you've got a specific blocker between you and approval.
Standard Plan
Most popular · 60–120 daysComprehensive cleanup for profiles with multiple negatives. Multi-round dispute strategy across all three bureaus.
Premium Plan
Aggressive · 90–180 daysFor heavily damaged profiles. Multi-round dispute, creditor parallels, method-of-verification, and full legal-framework escalation.
Custom Plan
TailoredComplex situations: identity theft, mixed files, mortgage prep with tight deadlines. Specialist designs the strategy that fits.
Compliant, persistent, and legally precise.
When you work with We Fund Now, every dispute is built on the same legal frameworks that bureaus and creditors have to respect. Persistent, documented, and fully CROA-compliant.
Meet the team behind your repair plan
Real specialists, not a dispute mill.
Real people, real removals, real score lifts.
A few of the clients who moved from "stuck behind old mistakes" to "qualified for what they actually wanted."
Two old collections and a charge-off from a card I'd disputed for years. After 90 days, all three were gone. My score went from 580 to 695 and I closed on my first house the next month.
I tried disputing items myself for 6 months and got nowhere. They escalated the same items with the right legal frameworks and 5 of 7 came off in round 1.
My credit had identity-theft damage I didn't know how to unwind. Their team handled the documentation, the FTC reports, the disputes — everything. Profile is clean now.
Common questions, answered.
If your question isn't here, your specialist will walk you through it on your audit call.
Yes. Credit repair services are governed by the Credit Repair Organizations Act (CROA) and the Fair Credit Reporting Act (FCRA). You have the legal right to dispute inaccurate, incomplete, or unverifiable items on your credit report. We dispute under the same legal frameworks you could use yourself — we just do it persistently, professionally, and with the documentation that makes responses harder to ignore.
Anything inaccurate, unverifiable, or beyond legal reporting periods. That typically includes: collections (especially those past statute of limitations), late payments (where the original creditor can't verify the late date), charge-offs, repossessions, inaccurate hard inquiries, and items resulting from identity theft. Accurate, verifiable, in-date items usually stay.
FCRA gives bureaus 30 days to respond to each dispute. Most clients see first removals within 30–45 days. Full plan completion ranges from 60 days (Foundation) to 180 days (Premium), depending on the complexity of the profile and how many dispute rounds it takes.
Pricing is per item removed — pay-on-results. The audit is free; you see your repair plan and the per-item cost upfront before any work begins. No monthly subscriptions, no setup fees, no charges for items that don't come off.
Removing negative items reduces the drag on your score. Most clients see meaningful lifts as items come off — typical lifts range from 30 to 150+ points depending on the items removed and where you started. Bigger lifts come from removing recent collections, charge-offs, and 90+ day late payments.
Removed items can occasionally re-appear if creditors re-report them (which violates FCRA if the item was deleted as unverifiable). We monitor monthly and immediately re-dispute any items that try to come back. This is the maintenance phase of the plan.
Credit repair removes inaccurate negative items from your existing profile. Tradelines add new positive history. Both can lift your score — but they solve different problems. Most clients with damaged credit benefit from both, in sequence: clean up the negatives first, then add positives.
Very little. We need a few documents from you upfront (ID, proof of address, dispute authorization) and occasional confirmations on items you want disputed. Then we handle the letters, the certified mail, and the response tracking. You get monthly updates and final outcomes.
Ready to clean up what's been holding you back?
Free credit audit, repair plan in 24 hours. Pay only when items actually come off — not before.