Real people, real disputes, real results. Our 7-step process targets negative items across all three bureaus so your score climbs — and stays there.
Every plan starts with a full audit of your reports across Equifax, Experian, and TransUnion — then we go to work.
Adjust your current score and the number of negative items on your report to see a realistic projected outcome, points gained, dispute timeline, and the repair actions that matter most for your profile.
*This forecast is an educational estimate only, based on typical dispute-cycle outcomes under the Fair Credit Reporting Act (bureaus generally have 30–45 days to respond per round). It is not a guarantee — federal law (the Credit Repair Organizations Act) prohibits promising specific score increases, and actual results depend on the accuracy of your reports, creditor responses, and your individual credit history.
We dispute and remove collections, charge-offs, late payments, repossessions, and hard inquiries from all three bureaus.
Our 7-step proven process is tailored to each client, pushing your score upward month after month.
Once negative items are cleared, we guide you toward adding positive, sustainable credit lines.
You're never just a ticket number — we keep you personally informed at every stage.
We track Equifax, Experian, and TransUnion simultaneously so nothing slips through and every dispute lands.
We teach the habits, tools, and insider tactics to keep your score high long after our work is done.
A real, ordered process — each phase builds on results from the last.
We review your credit reports and identify every negative item pulling your score down.
A step-by-step strategy is built specifically around your credit profile and goals.
We send targeted disputes to all three bureaus, challenging inaccurate or unverifiable items.
We monitor results, re-dispute where needed, and keep pushing until your score reaches your goal.
At TruFinancial, our clients are real people with real problems — and we provide real solutions. We combine targeted dispute strategies with genuine financial coaching, so you don't just raise your score today, you keep it high for life.
Transparent, affordable pricing with no surprise charges.
Real humans answer your questions — not bots, not voicemail.
We don't stop until your score hits your goal.
"Removed three collections in under two months. My score is finally in the 700s and I got approved for a mortgage."
"They actually explained what was happening at every step. No robotic updates, just real people checking in."