Done-for-you credit repair
Without the guesswork. RSC Credit Freedom Solutions audits your report, challenges what cannot be verified, and puts every round in writing.
A free 30-minute Credit Fit Review. No cost, no card, no obligation.
Book the free Credit Fit Review. We identify your goal, deadline, previous attempts, and the major obstacles on your report, then determine which path fits. You decide what to do next.
Nobody wants a credit score for its own sake. They want the thing on the other side of it. Pick the one that is yours.
Lenders read the report before they read you. The work starts there.
Personal credit is the first thing an underwriter pulls, even for a business file.
The same loan is priced differently depending on what your report says.
Financing that is not built around somebody else's signature.
Rentals, utilities, and insurance all read the same file a lender does.
An accurate report, and a plain answer about what is on it.
RSC Credit Freedom Solutions
RSC is a done-for-you credit repair practice. The disputes, the tracking, and the follow-up are handled for you. You are not mailing letters, sitting on hold with a bureau, or guessing what to send next month.
Every file runs the same way. Your report gets read line by line. Valid inaccuracies are challenged under the Fair Credit Reporting Act. At the end of each round you get a written summary of what moved and what did not.
The order is the job. Disputing everything at once is what gets a file stalled.
Your report gets pulled apart line by line. Errors, outdated accounts, and items with no proof behind them get flagged, and the first round goes out.
They have 30 to 45 days to respond. Every answer gets logged against what was actually sent, so nothing quietly disappears.
Anything returned as verified without real proof gets escalated, to the bureau and to the creditor directly, and to the regulators where that is warranted.
A plain summary of what moved, what did not, and what happens next. No jargon, and no need to ask.
Every item, every bureau, every round, with its current status. You see it at each update rather than hearing that things are moving along.
Illustration of the tracking format. Whether any item is removed is decided by the bureau and the furnisher under the FCRA. Individual results vary.
See the full processIf it is on your report and it cannot be verified the way the law requires, it gets disputed. Here is what that usually covers.
Reported lates that the furnisher cannot substantiate with an accurate payment record.
Third-party collection accounts, including ones sold on repeatedly with no clean chain behind them.
Accounts written off by the original creditor and still reporting with inconsistent balances or dates.
Pulls with no permissible purpose behind them, or ones you never authorized in the first place.
Voluntary and involuntary repossessions carrying deficiency balances that do not reconcile.
Defaulted and transferred loans reporting duplicate balances or the wrong status after rehabilitation.
Bankruptcies, judgments, and liens reported without the verification the bureaus are required to hold.
Mixed files, identity errors, and accounts attached to a name or address that never belonged to you.
Disputing an item is not the same as removing it. Whether anything comes off is decided by the credit bureau and the furnisher under the Fair Credit Reporting Act, not by RSC. Accurate, current, verifiable information is not disputed and is not removed. Individual results vary. You have the right to dispute your own report directly with the bureaus, for free.
The receipts
Client credit-monitoring summaries, three bureaus, exactly as they came back. Shared with permission.
These are real client credit-monitoring summaries shared with permission. Individual results vary and are not typical or guaranteed. Whether an item comes off is decided by the bureau and the furnisher under the FCRA, not by us, and we do not remove accurate, current, verifiable information.
Get affordable repair through the Academy, choose Credit Comeback for private support, or explore Complete when business capital is your next goal.
Start here
Per month. Monthly membership.
Get the credit repair work handled, with clear updates and a place to get help along the way.
Separate SmartCredit monitoring is required when we actively work your credit file.
Private support
Private consumer-credit service.
For a more personal plan, direct support from Michael, and a private conversation about each dispute round.
Choose the right support on the call. Your written agreement sets the service term.
Business capital readiness
Initial strategy fee + $1,000 milestone payment.
Know where your business stands, which lenders may fit, and how to prepare before you apply.
The $1,000 payment applies at $50,000 in qualifying aggregate business capital. Qualified direct entry is welcome.
Complete accepts qualified direct-entry clients. Active support ends at the milestone or 90 days, whichever comes first. You submit applications with RSC guidance.
Compare the programsEvery path has a defined service rhythm. Community Repair receives standardized work, written monthly progress, and a strict 15-minute recap. Direct clients receive private round updates and direct access during the active term.
For a private Direct client, if I go dark for more than 10 business days during an active round, the next round is on me.
This is a promise about defined work and communication, not about your score. Whether an item changes is decided by the bureau and the furnisher under the FCRA. We do not remove accurate, current, verifiable information. SmartCredit monitoring is separate at $39/month.
Anyone promising a number, a deletion, or an approval is guessing. What can be promised is the work: a defined review, a documented service sequence, and written communication according to the program you choose.
You also have the right to dispute inaccurate information on your report yourself, for free, directly with the bureaus. RSC is the option for people who would rather have it handled properly than handle it themselves.
Who you are working with
Michael Charles runs RSC Credit Freedom Solutions. He does the report review, builds the dispute sequence, sends each round, and writes the update you get at the end of it.
That is on purpose. Passing a file down a chain is how items get missed, and how people end up explaining their own report to somebody who has never opened it.
The free 30-minute Credit Fit Review identifies your goal, deadline, previous attempts, and the major obstacles on your report. I use that to recommend Community, Direct, Complete, or a step you can take on your own.
The call is for diagnosis and prescription. It is not a complete DIY coaching session. You leave with a clear next step and an honest read on whether RSC is the right fit.
Not ready for a call? Start with the 5-Letter Dispute Sequence.
Bring a current three-bureau report if you have one. If you use SmartCredit for the review, the call is still free. SmartCredit is separate from RSC, can begin with a $1 trial, and renews at $39/month according to its terms. RSC may receive an affiliate commission. If you do not enroll with RSC, you can cancel SmartCredit directly with SmartCredit.
Start with the free Credit Fit Review. Michael identifies the goal, deadline, previous attempts, and the major obstacles before recommending the next step.
30 minutes. No cost, no card. I will tell you honestly if I do not think I can help.