Results
We work toward accuracy.
Then how lenders actually decide.
Most people are not stuck because they are careless with money. They are stuck because something on the report is wrong, and nobody ever showed them how the decision actually gets made. Those are the two things we work on, and doors start opening.
One real client monitoring summary, shared with permission, personal information removed. Individual results vary and are not typical or guaranteed.
Their files, their words.
Nobody here was handed a script. They are describing what happened on their own file and what it changed.
Kim sends her own clients to RSC. She talks about what it takes for her to put her name on somebody else's work, and why she does it here.
What the four months actually looked like from her side, round by round.
He breaks down what came off his file and what that opened up for him.
Seven collections were holding his file down. He talks about watching them come off one round at a time.
Where he started, what got challenged, and what he would tell someone still deciding.
Individual clients describing their own files. Every file is different, results vary, and nothing here is a prediction about yours. Whether an item comes off is decided by the bureau and the furnisher under the FCRA, and we do not remove accurate, current, verifiable information.
The receipts
Monitoring summaries,
exactly as they came back.
Not a graphic somebody made. These are more of the actual three-bureau summaries from client credit-monitoring accounts, shared with permission.
Real client credit-monitoring summaries, shared with permission, with personal information removed. 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.
What came off,
and who it was with.
Collections, charge-offs and student loan lines, with the furnisher named and the date it came off.
Real dispute records from client files, with personal information removed. One row above is still in dispute rather than deleted, which is normal. 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.
What it opened up.
A cleaner report is not the point. This is the point.
Approved at the same bank that had denied him before. He had stopped applying anywhere, because he already knew the answer.
A business card, approved after his file was cleaned up.
Approved for a client who had been turned down for one before starting.
One file, 72 days. What moved was the number of things reporting against him.
Pulled equity out of their own home after finishing the 90-day program.
Qualified 90 days after starting.
Outcomes reported to us by individual clients on specific past files, described here in our words rather than presented as their statements. Approvals, refinances and mortgage qualifications are decisions made by lenders using their own criteria. RSC is not a lender or a broker, and we do not approve, arrange, or guarantee financing of any kind. These outcomes happened after credit repair work, which is not the same as because of it, and they are not typical or guaranteed. Individual results vary.
What clients say somewhere I cannot edit.
Recent 5-star reviews on Trustpilot.
Public reviews left by clients on Trustpilot, reproduced as posted. Reviewer display names are the ones they chose to publish.
A number on its own
is not a result.
Anyone can post a before-and-after screenshot. The useful question is what actually moved and why, because that is the part that tells you whether it can happen on a file like yours. Here are three from real files, decoded.
"It jumped 141 points"
What that actually was: 9 of 11 collections came off that file across 7 rounds. The score moved because the things dragging it down stopped reporting, not because anything happened to the score directly.
Which is also why a number like that says almost nothing about your file until someone has looked at it. A file with 11 collections has 11 collections worth of room. A file with two lates does not, and a big number was never available on it.
"A charge-off came off in round 2"
The mechanic: that account was reporting two different dates of last activity across two bureaus. Same account, two answers, which means at least one of them is wrong. That is an accuracy failure under FCRA 1681e(b), which requires reasonable procedures for maximum possible accuracy.
The challenge was not "please remove this." It was the inconsistency. The furnisher could not reconcile its own dates, so the item could not stand. Most people dispute whether the debt exists. Often the faster path is disputing how sloppily it is reported.
"The collection was deleted"
What a deletion is: the bureau removed the item because it could not be verified as accurate. It is off the report and it stops affecting the score.
What it is not: proof the debt is erased. If you genuinely owe it, removing it from the report does not cancel it. It is also not always permanent, because under 1681i(a)(5) a furnisher can later certify it and get it reinserted, though the bureau then has to notify you in writing within 5 business days.
A deletion is a strong outcome. It is not a magic eraser, and anyone selling it as one is overselling.
Each example above describes work already performed on a specific past client file. None of it is a statement about what will happen on yours. Results vary with what is on the report, how the bureaus and furnishers respond, and how many rounds a file needs.
Let's find out where
yours actually stands.
Every file above is somebody else's, and none of it is a prediction about yours. The only way to know what is realistic on your file is to open it and look, which is what the free review is.
30 minutes. No cost, no card. I will tell you honestly if I do not think I can help.