How it works
No mystery.
Just a clock
and a letter.
Here is the whole process, start to finish, and the law each step runs on.
Verified is not the end of a file. It is the start of round 2 on a different basis.
From the first call
to the first result.
Four stages. You are only ever doing the first one.
The free review
We open your report together on a screen share and go through it item by item. You leave knowing what is on it, whether or not you hire me.
Setup
Written agreement, intake, and your own monitoring account in your name. Then a kickoff call where we map what gets challenged first and what waits.
The round
Letters go to all three bureaus. They get 30 days to investigate. You get a written report of what came back, item by item.
The next round
Anything returned verified goes again on a different basis. That loop is where files actually move, and it runs for your whole term.
Not everything.
The things that cannot be backed up.
Anything reporting inaccurately, incompletely, or in a way the furnisher cannot verify is fair game. In practice, that is these.
Collections
Often bought and sold several times before they reach your report. Every handoff is a chance for the balance, the dates, or the original creditor to stop matching.
Charge-offs
Heavy on a file and frequently reported with a date of last activity the furnisher cannot reconcile across all three bureaus.
Late payments
A single 30-day late can cost a strong file more than a collection costs a weak one. Worth checking whether it is even reported on the right month.
And what does not come off
Accurate, current, verifiable items. Nobody can require their removal, and any company telling you otherwise is selling you the ad rather than the result.
A hard inquiry you actually authorized is also staying. It falls off on its own in 2 years and it matters far less than people think.
Repossessions and evictions
Complicated reporting with a lot of moving parts, which means a lot of places the record can fail to hold together under a real investigation.
Student loans and unauthorized inquiries
Student loan reporting has changed hands and status codes repeatedly. An inquiry you did not authorize is a different situation from one you did, and it can be challenged.
Round 1 is easy.
Round 2 is where files die.
If you take one thing off this page, take this one. It is the reason most DIY attempts stall.
Round 1 clears the easy items
A lot comes off, because plenty of what sits on a report is genuinely sloppy and nobody has ever made anyone check it.
It feels like the hard part is over. It is not. The items actually holding your file down are usually still there.
Round 2 is a different argument
The harder items come back marked verified. That word ends most DIY attempts, because it reads like a final answer.
It is not one. Round 2 cannot be round 1 sent louder. It has to challenge something they just failed to document. Day 31 is a starting line, not a verdict.
What will not happen, said plainly.
RSC is not a law firm, a lender, a broker, or a credit counseling agency, and we do not approve or arrange financing. We do not remove accurate, current, verifiable information, and nobody can.
We do not decide what comes off. The bureau and the furnisher decide, under the FCRA. What we control is the quality of the challenge and whether anyone keeps going after round 1. You also have the right to do all of this yourself, for free, directly with the bureaus.
Beside the programs
Two things that sit
next to the repair work.
Neither is bundled into a program, and that is deliberate. They solve different problems and they belong on their own terms.
Authorized-user tradelines
Deletion clears the negative. It does not build the positive. If your file is thin once the damage is off, an authorized-user tradeline adds age and history that was not there before.
This is a standalone purchase, available whether or not you are a client. It is not a shortcut to an approval and I will not tell you it qualifies you for anything. It adds one input to a file that lenders read as a whole.
The funding bridge
A clean personal file is the entry ticket to business capital, not the finish line. What lenders read next is how your entity is set up, how your banking history looks, and whether the business has any credit identity of its own.
Direct teaches you what that looks like. Complete builds it. Either way I am not a lender or a broker, I do not place funding, and the approval decision belongs to whoever you apply to.
Process
questions.
Pricing and program questions are answered on the Programs page.
Four things, and none of them is writing a letter. Show up to the review call. Fill in the intake form, which takes about 10 minutes. Set up your own credit monitoring so we can both see the file. And follow the do-no-harm guidance, which is mostly a list of things not to do while the rounds run.
Everything else is on me. The letters, the mail, the tracking, the responses, the escalations.
Filing a dispute is not itself a negative event and it does not cost you points. What does cause damage is what people do around it: opening new accounts mid-repair, closing an old card and shortening the average age of the file, or letting utilization spike right as items come off.
So we go through those moves before your first round goes out, and again whenever something on your file changes.
It goes again on a different basis. Verified means the furnisher told the bureau the item is theirs. It does not mean they proved every detail of it.
Round 2 can request the method of verification under 1681i, challenge the furnisher directly under 1681s-2, or attack the specific detail they could not document. This is the part most DIY attempts never reach, and it is included at every program level.
Ask before you do it, because the order matters and a lot of people get it backwards. Paying can restart activity on an item and change how it reports, which can work against you.
A paid collection and a deleted collection are different outcomes, and which one you want depends on the item and on what you are trying to qualify for. That is a real strategy decision, not an automatic.
It can happen. Under FCRA 1681i(a)(5), if a furnisher later certifies a deleted item as accurate, it can be reinserted. The protection is that the bureau has to notify you in writing within 5 business days.
If it happens while you are a client, we handle it. That notice tells us who certified it and gives us something new to work with.
You set up your own monitoring account, in your name, that you control. I read it with you and use it to track the file round by round.
I will never ask you to hand me a password to a monitoring service, and I do not collect Social Security card images through a web form. If a credit repair company asks you for either of those, that is worth thinking about.
Now let me read your actual file.
Everything on this page is the general mechanic. The useful version is the one applied to your report, and that is a 30-minute call away.
30 minutes. No cost, no card. I will tell you honestly if I do not think I can help.