Credit Repair & Dispute Work
Get help reviewing report issues and coordinating appropriate dispute work.
Money Masterry can help review relevant reports, organize supporting information, coordinate authorized disputes and follow-up, and track responses under a defined service scope.
$100 per dispute round · all three bureaus
Credit Repair & Dispute Work is available. Specific scope, payment timing, required disclosures, and authorizations are documented in the client agreement.
The Problem
Your Credit Report May Be Costing You Opportunities
Negative items can affect more than your score. They can impact your ability to get approved for:
- Credit cards
- Auto loans
- Personal loans
- Business credit
- Business funding
- Housing
- Better interest rates
- Higher credit limits
- Financial opportunities
Many people do not realize how much inaccurate or outdated reporting holds them back until they are denied, offered low limits, or forced into high-interest terms.
Strategy
Credit Repair Is Only The First Step
Addressing inaccurate reporting is only one part of building strong credit. If your report is cleaned up but you don't have strong positive accounts, low utilization, account age, credit diversity, and responsible habits, lenders may still see your profile as weak.
That's why we approach credit repair as part of a bigger credit optimization strategy — disputing information that may be inaccurate while building a stronger, healthier profile moving forward.
What We Review
The Items That Hurt Your Profile
Every profile is different, so the strategy depends on what is actually reporting across Experian, Equifax, and TransUnion.
- Collections
- Charge-offs
- Late payments
- Repossessions
- Foreclosures
- Bankruptcies
- Medical collections
- Student loan reporting issues
- Personal information errors
- Incorrect balances
- Duplicate accounts
- Outdated accounts
- Inaccurate account statuses
- Unauthorized inquiries
- Mixed credit files
- Accounts that may be unverifiable
Our Process
Repair, Rebuild, Become Fundable
Credit Report Review
We review your credit reports and identify the negative, inaccurate, outdated, or questionable items that may be damaging your profile. We look beyond the score and evaluate what lenders actually see when they review your file.
Error & Negative Item Analysis
Next, we look for possible issues that may be eligible for dispute or further review.
- Incorrect personal information
- Wrong account balances
- Duplicate reporting
- Outdated information
- Inaccurate late payments
- Unverified collections
- Incorrect account ownership
- Accounts reporting past time limits
Dispute Strategy
We help create a dispute strategy based on your specific report, challenging inaccurate, outdated, unverifiable, or questionable information through a structured process.
- Experian
- Equifax
- TransUnion
- Creditors
- Collection agencies
- Data furnishers
- Specialty reporting agencies
- Consumer protection agencies when appropriate
Follow-Up & Documentation
Credit repair is not always completed in one round. Some items require follow-up, documentation, reinvestigation, or additional dispute rounds. We help you stay organized and understand the next step.
Credit Rebuild Guidance (When in Scope)
Where your agreed scope includes it, we can also discuss rebuilding habits and accounts.
- Building positive credit history
- Lowering utilization
- Adding stronger primary accounts
- Improving account mix
- Avoiding unnecessary inquiries
- Managing payments properly
- Creating a credit-building roadmap
- Preparing for future funding
The Difference
We Don't Just Dispute — We Strategize
Many credit repair companies only send generic dispute letters. Money Masterry treats credit repair as part of a larger financial strategy, so you understand:
- What is hurting your profile
- What may be inaccurate and appropriate to dispute
- What needs to be rebuilt
- What lenders may still consider weak
- What accounts may strengthen your file
- When you may be ready to apply again
- What steps improve fundability over time
Repair + Optimization
Two Sides Of A Stronger Profile
Credit repair addresses negative or inaccurate information. Credit optimization strengthens the entire profile. Together they may improve approval odds, credit strength, lender confidence, funding readiness, and long-term positioning.
- Credit utilization
- Primary accounts
- Authorized user strategy
- Credit builder tools
- Secured credit options
- Account age
- Inquiry management
- Credit mix
- Banking relationships
- Business credit preparation
Who It's For
This May Be A Good Fit If…
- You have collections on your report
- You have charge-offs hurting your score
- You have late payments reporting
- You have inaccurate information reporting
- You have accounts that don't belong to you
- You have old items still reporting
- You've been denied because of credit issues
- You want to prepare for funding
- You want to build personal credit
- You want to improve your profile before applying
- You want help understanding what's holding you back
- You're ready to take your credit seriously
Common Problems
Issues We Help Address
Collections
Collection accounts can seriously damage your profile and make lenders hesitant to approve you. We help review whether collections are accurate, valid, updated, and properly reported.
Charge-Offs
A charge-off does not mean the account disappears. It can continue hurting your report for years. We help review the reporting and determine what dispute or resolution strategy may apply.
Late Payments
Late payments can have a major impact on your score and lender trust. We help review whether the late payment is accurate and what options may be available.
Inaccurate Information
Incorrect balances, dates, account ownership, payment history, and account status can all hurt your profile. These errors may be disputed when they are inaccurate.
High Utilization
Even after report issues are addressed, high utilization can still hold your score down. We help you understand how utilization affects your profile and what steps may improve it.
Too Many Inquiries
Excessive inquiries can make you look risky to lenders. We help you understand inquiry impact and how to avoid unnecessary applications moving forward.
Credit Repair Can Open The Door
Once your profile is cleaner and stronger, you may be better positioned for bigger financial goals — better approvals, higher limits, business credit, business funding, auto financing, real estate opportunities, lower interest rates, stronger banking relationships, and long-term wealth building.
Your credit is a financial tool. The better your profile, the more options you may have.
What Happens After You Start
We review your current credit situation, identify negative or inaccurate items, explain what may be hurting your profile, recommend a repair and optimization strategy, and help you understand your next steps toward rebuilding.
The process starts with clarity. Once we know what is on your report, we can help you build a plan.
Request Credit Repair
Tell us what you need help with. We'll review your inquiry and confirm your scope and client agreement before any work begins. Pricing is $100 per dispute round covering all three bureaus.
Service Scope
A Standalone Engagement May Include
- Reviewing relevant credit reports
- Identifying specific items and appropriate dispute work
- Organizing supporting documents
- Coordinating authorized submissions
- Following up on responses
- Documenting agreed deliverables and client responsibilities
Not every client needs every action. Your client agreement reflects the scope that fits your situation.
Boundaries
What We Don't Promise
- Removal of accurate negative information
- A specific credit-score increase
- A fixed deletion timeline
- Guaranteed lender approval
- A “new credit identity”
- Changes to official account history
Voluntary Refund
90-Day No-Results Guarantee
- • The 90-day period begins when your first dispute round is sent.
- • A qualifying result means the deletion or correction of a negative report item.
- • If there are absolutely no qualifying results during those 90 days, all dispute-round fees paid during those 90 days qualify for refund.
- • If any qualifying result occurs, this voluntary no-results condition is not met.
- • You can cancel future rounds at any time.
- • Voluntarily cancelling before completing the process makes you ineligible for this voluntary guarantee.
This voluntary guarantee does not limit any cancellation or refund rights you have under applicable law. Full terms are in your client agreement.
Comprehensive Option
Need More Than Repair?
If you need coordinated personal and business credit development, applicable repair work can be included within your Development roadmap. Standalone repair is available for people who only need this service.
Questions
Credit Repair FAQs
Free starter resource: Credit-Report Review Checklist
Request Credit Repair
Disclaimer: Money Masterry does not guarantee specific credit score increases, item removals, approvals, funding, or financial outcomes. Credit repair results vary based on each client's credit history, reporting accuracy, creditor responses, bureau investigations, documentation, and individual financial behavior. Our services are designed to provide education, strategy, support, and guidance throughout the credit repair and rebuilding process.