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Start Your Journey to Funding with Confidence
Our pre-qualification process is designed to give you a clear understanding of your credit and funding readiness—without impacting your score.
By answering a few quick questions, you’ll receive a personalized overview of your eligibility, along with the next steps toward approval.
Common Questions
Answers to help you better understand how the process works and what to expect.
How does your process work?
We start with a full review of your credit reports across all three bureaus. From there, we identify inaccurate or unverifiable information and challenge it using a structured, consumer law–based approach.
Each case is different, but most clients begin to see movement within the first 30 to 45 days.
How long does the process take?
Timelines vary based on your credit profile and what needs to be addressed. Most clients begin to see initial updates within 30 to 45 days, while more complex profiles may take several rounds to fully resolve.
This is a structured process, not a one-time action.
What types of items can be challenged?
We focus on identifying inaccurate, incomplete, or unverifiable reporting. This can include collections, charge-offs, late payments, inquiries, and other negative accounts when they do not meet reporting standards.
All challenges are based on accuracy and verification requirements under consumer law.
Is the initial review really free?
Yes. Your initial credit profile review is completely free and comes with no obligation. We’ll review your reports and give you a clear understanding of what may be impacting your profile and what steps make sense moving forward.
No hard credit pull is required.
Still have questions? We’re here to help you understand your next step.
Start With a Clear Understanding of
Your Credit Profile
Start with a full review of your credit profile so we can identify what’s actually impacting you and determine the right next steps.
No hard credit pull. 100% confidential.
No hard credit pull
Structured process
Trusted by hundreds of clients
Helping individuals take control of their credit with confidence.
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The Dispute Team provides credit investigation and dispute assistance services. We are not a lender and do not guarantee specific outcomes. All results depend on individual credit profiles and circumstances.
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