Credit Repair

Credit Repair Services

These services challenge inaccurate, unverifiable, or outdated negatives on Experian, Equifax, and TransUnion reported — clearing you a pathway to good credit

What is Credit Repair?

• Credit repair (also called credit sweeps) challenges inaccurate, unverifiable, or outdated negatives on Experian, Equifax, and TransUnion.
• Common targets include collections, inquiries, late payments, and charge-offs — plus other items that cannot be verified.
• Process: pull all three files → document → dispute → the bureau or creditor must verify → update the report.
• Because every file is different, there is no advance prediction. Typical engagement is about 45 to 60 days.
• Work is done under consumer credit reporting rules (FCRA and related). Accurate, current debts are not removed by misrepresentation.
• After negatives are cleared, authorized user tradelines can add positive history — a separate product we offer.
• We have been in this field for 15+ years and have helped all manner of clients.

How can credit repair help me?

Basically, credit repair is the process of challenging and removing inaccurate, unverifiable, or outdated information from your credit reports. In the industry this is often called a credit sweep: a structured pass through the file to find derogatory items and dispute them under the law.

However, the point is not to trick the system. It is to use rights most consumers already have — and often never use.

Under the Fair Credit Reporting Act (FCRA) and related rules, the bureaus and the companies that report to them are supposed to keep your file accurate and verifiable. You can dispute items that look wrong, incomplete, or impossible to prove. When a dispute goes in, they have to investigate. If they cannot verify the item, it should come off or be corrected. That verify-or-remove standard is the core of a real sweep — not a loophole, and not a promise to erase every debt you actually owe.

Debt collectors also have rules. Under the Fair Debt Collection Practices Act (FDCPA), you can demand they validate the debt — show what they claim you owe and that they have the right to collect it. If they cannot back it up, that weakens what they can report and how hard they can push. A lot of people never send that request.

We run that process for you across Experian, Equifax, and TransUnion: find what does not belong or cannot be proven, put the file on a dispute clock, and follow through. DIY can work — it also stalls for years when the paperwork and deadlines get missed. A professional sweep is organized so those overlooked protections actually get used.

CPN tradelines

What we remove

  • Late payments
  • Charge-offs
  • Collections
  • Repossessions
  • Medical bills
  • Foreclosures
  • Bankruptcies
  • Judgments

Other derogatory items (for example bankruptcies, foreclosures, or student-loan reporting errors) are reviewed case by case. If it cannot be verified, it is fair game for dispute. However, if it is accurate and current, we say so plainly — we CANNOT erase valid debt.

How it works

5 Steps to Better Credit

1. Credit file review — We pull Experian, Equifax, and TransUnion and mark what looks inaccurate, obsolete, or unverifiable.
2. Documentation — You provide ID, proof of address, and any records that support the disputes.
3. Disputes — Customized challenges go to the bureaus and, when needed, to creditors or collectors.
4. Verification — They must verify within the required window. If they cannot, the item should come off or be corrected.
5. Updates — You see deletions and corrections as the bureaus respond. Results vary by file.

While it seems deceptively simple, navigation of credit bureaus can be a complicated maze of paperwork and follow through. However, this is not an overnight fix. It is a legal process with a clock on the other side.

Credit score

How long does credit repair take?

Unfortunately, there’s no way to predict in advance how long it will take to repair your credit, as every credit report is unique. We help thousands of people each year repair their credit. So the process is organized across all three bureaus — not an overnight fix. Typical engagement is about 45 to 60 days.

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Who uses credit sweeps? 

  • Young professionals looking to qualify for their first home.
  • Families seeking better auto loan rates.
  • Business owners needing access to capital.
  • Students and graduates burdened with loans but trying to establish a financial foundation.
  • Victims of identity theft trying to clear fraudulent accounts.

Building credit takes time and one wrong move can be punishing for years. A fresh start can open more doors than you think.

How do these services help?

  • Qualifying for mortgages with better interest rates.
  • Securing auto loans without sky-high payments.
  • Opening new credit cards with higher limits.
  • Gaining approval for apartments or leases.
  • Applying for business loans or credit lines.
  • Lowering insurance premiums.

In other words, a cleaner file is for mortgages, auto, rentals, cards, and insurance — not a score guarantee.

Why good credit matters

Lenders look at three main factors
Credit Score – Higher scores open more doors.
Credit History – Length, types of credit, and payment history matter.
Debt-to-Income Ratio – Lenders want to know you can afford the new account.

Credit sweeps clean up the noise and lead to:
Higher credit scores.
Better loan approvals.
Lower interest rates, saving thousands over time.

Good credit saves you money

The difference between good and bad credit often comes down to interest rates. For example:

  • A person with excellent credit may qualify for a mortgage rate of 5%.
  • A person with poor credit may only qualify at 9% or higher.

On a $300,000 mortgage, that difference adds up to $100’s per month and potentially over a $100,000 across the life of the loan. Auto loans, personal loans, and credit cards work the same way. This is why performing credit sweeps to achieve a higher score is so financially critical.

Who we are and how we can help

We are AuthorizedUsers.com and we’re happy to lend a hand. For over 15 years we’ve been one of the primary solutions providers for people just like you. Folks looking to get a leg up, when the banks and lenders want to make them jump through hoops.

We’ve helped hundreds of people and small businesses find solutions for credit improvement needs, and get them where they want to go. While our primary specialty is CPN packages, we also offer credit repair services and business tradeline solutions. We’re a one stop shop for clients of all shapes and sizes. Contact us today, so we can find your next solution. 

You did a sweep, now what?

So, the purpose of a credit sweep is a cleaner, more accurate report — negatives that should not be there challenged and cleared so your history reflects what it should. When that work is done, stop and review the file. That is the point of the service. You have arrived at a better baseline.

From there, the journey is yours. Some people are happy with where the score and the profile land. Others see a new path and still want more room before the next big step.

If you are ready to see how far you can go, we also offer CPN packages — authorized user tradelines that can add positive history on top of a cleaned file, that provide even more opportunityto strengthen your credit.

Credit Repair Services - Frequently Asked Questions

Is credit repair legal?

Yes, when it challenges inaccurate or unverifiable reporting under the Fair Credit Reporting Act and related rules. What is not legal is trying to wipe accurate, current debts through fraud or fake identity. We stay on the compliance side and set realistic expectations.

  • Full Legal Name
  • Phone Number
  • Government Issued ID
  • Proof of address
  • Supporting documentation for the dispute. (Identity-theft docs, payoff letters, prior bureau results, emails, offical correspondence)

The information you can provide to us, the faster and simpler the process will be. Most disputes that stall are from lack of communication or available information.

Of course, you can dispute on your own. A sweep is the same legal tools, run as a full-file process across all three bureaus with tracking and follow-up. BUT, navigating who to speak to, adhering to the deadlines, knowing your rights, and the paperwork can be messy. DIY often stalls because the paperwork and deadlines are easy to miss.

 

In short, a cleaner, more accurate file where unverifiable or wrong items are corrected or removed. We do not guarantee a score number, an approval, or a timeline. Scores move when the bureaus update — and every file is different. But we’re right there with you.

Specifically, Fraudulent accounts, inquiries, and collections need documentation and a structured dispute path. That is part of what a sweep is for — forcing bureaus to remove what is not yours when the claim is supported.

Absolutely, Yes — CPN packages, if you want them after a sweep. The sweep stands on its own. Packages are only the next step if you review the cleaned file and still want more room.

We also offer Business Tradelines for commerical clients. We are your one stop shop

Looking for business solutions? Click Here

Related Reading

Interested in offering credit sweeps? Link with us today.


Beyond serving individual clients, we also welcome brokers and resellers who want to partner with us.

By offering credit sweeps as part of their portfolio, brokers can expand their business, add value to their clients, and benefit from our proven track record in credit repair.

Contact us via the form above to talk with a specialist about teaming up.

Our Team Tracks Down and Disputes Anything Hurting Your Credit Score

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