Free consultationWe remove inaccurate, unverifiable, and outdated items from all three bureaus — then rebuild the score you deserve.
Studies show 1 in 3 credit reports contain errors serious enough to cost you an approval. We find them, dispute them, and get them removed — item by item, bureau by bureau.
Old debts, paid collections, and charge-offs that keep dragging your score down long after they should have fallen off.
Inaccurate or unverifiable late payments that quietly cost you 40 to 100 points and the loan approvals you actually need.
Wrong names, wrong addresses, someone else's accounts on your report — the personal-info errors most people never think to challenge.
Unauthorized hard pulls, fraud accounts, and identity mix-ups that lower your score and put your future credit at risk.
We use your rights under the FCRA, FDCPA, and FACTA to challenge every questionable item — with the specific violation cited, the correct recipient, and the escalation path already mapped.
Start with an audit, run a full dispute program, and finish with a rebuild plan built for the specific approval you're chasing.
For anyone who wants to know exactly what's on their credit — and what's costing them.
Line-by-line review of all 3 bureau reports, FCRA & FDCPA violation flags, personal-info errors, score-impact analysis.
You leave the call knowing your exact score, every item hurting you, and the fastest path to fix it.
For clients ready to remove inaccurate, unverifiable, or outdated items across all three bureaus.
Custom dispute letters, bureau + creditor challenges, method-of-verification requests, escalation, monthly reporting.
Negative items removed round after round. Real score movement — tracked and documented every 30 days.
For clients who want to keep climbing after the cleanup — mortgage-ready, business-funding-ready, life-ready.
Utilization strategy, tradeline guidance, primary + authorized user planning, lender-specific score prep.
A stronger, protected credit profile built to qualify — and stay qualified — for the things that matter.
No upfront fees for work not done. First results typically within 30 to 45 days.
A 15-minute call to understand your goal — home, car, business, or a fresh start — and what's standing in the way.
We pull all three bureau reports and audit every account, inquiry, and personal-info field for errors and violations.
We file bureau and creditor disputes in rounds — targeting the items with the highest score impact first.
Monthly progress reports, score tracking, and a rebuilding plan so the results stick long after the disputes end.
Home, car, business, fresh start after bankruptcy or identity theft — every plan is built around the exact approval you need.
Get your score into mortgage-approval territory. We target the items lenders weigh heaviest and prep your file for underwriting.
Path · audit → dispute → escalate → rebuild
We don't promise score jumps we can't deliver. We track every dispute, every removal, and every score movement — and send it to you in writing.
Most credit repair companies mail the same generic letter for every client. We build a custom dispute strategy for your report.
Template letters get flagged as frivolous and dismissed. We cite the specific FCRA or FDCPA violation, request method of verification, and escalate to executive resolution and CFPB when needed — the work that actually gets items removed.
You have the right to dispute directly with the bureaus for free. We're what you hire when you want it done right — the first time.
Every dispute, contract, and disclosure follows the Credit Repair Organizations Act to the letter.
A human handles your file — not a template mill. You always know who to call.
See exactly which items were disputed, which were removed, and where your score moved each month.
No long-term contracts. If you're not seeing results, you're not locked in.
We don't guarantee specific score jumps. We do guarantee real work, every round, on every item.
Your SSN, IDs, and reports are stored encrypted and shared only with the bureaus and creditors we dispute.
You can dispute directly with the bureaus for free. We're what you hire when you want it done right.
Cleanup is step one. Rebuilding and protecting your credit is where the real wealth is built.
A dedicated case manager works your file every round — not a template mill. You always know what's happening, and you always know who to call.
Book a free 15-minute call. We'll review your goal, walk through what's likely hurting your score, and show you the fastest path to the approval you need.
Disclaimer: Total Credit Fix does not guarantee any specific results or score changes. Individual outcomes vary based on the accuracy of items on your credit report and creditor responses. You have the right to dispute items directly with the credit bureaus at no cost.