Repair Your Credit.
Reclaim Your Future.
TSR Notice: Per FTC regulations, we do not accept phone consultations before enrollment. All inquiries are handled via chat or our self-service portal.
*Results vary. Past performance does not guarantee future results.
How Credit Repair Works
A transparent, step-by-step process using your consumer rights under the Fair Credit Reporting Act (FCRA).
Credit Analysis
We review your credit reports from all three bureaus — Equifax, Experian, and TransUnion — to identify inaccurate, unverifiable, or incomplete items.
Dispute Strategy
We prepare customized dispute letters citing specific FCRA provisions. Each dispute is tailored to the type of item and the bureau reporting it.
Bureau Response
Credit bureaus have 30 days to investigate. Items that cannot be verified must be removed. We track every response and escalate when needed.
Score Improvement
As inaccurate items are removed, your credit profile improves. We provide ongoing monitoring and education to help you maintain your progress.
What We Offer
Transparent, clearly priced services with no hidden fees. All services are described in your written contract before you sign.
Credit Report Analysis
Comprehensive review of all three bureau reports to identify disputable items.
- Equifax review
- Experian review
- TransUnion review
- Item categorization
Dispute Management
Professional dispute letters sent to bureaus and creditors on your behalf.
- Custom dispute letters
- Bureau follow-up
- Creditor disputes
- Progress tracking
Score Monitoring
Ongoing monitoring of your credit profile with alerts for changes.
- Monthly score updates
- Change alerts
- Progress reports
- Client portal access
Credit Education
Learn how to maintain and build your credit after the repair process.
- Credit building tips
- Debt management
- Score factors explained
- Long-term strategy
Identity Protection
Monitoring for fraudulent accounts and identity theft indicators.
- Fraud alerts
- Dark web monitoring
- Identity theft guidance
- Bureau notifications
Dedicated Support
Chat-based support via messaging platforms — TSR compliant, no phone required.
- Facebook Messenger
- Instagram DM
- Email support
- Client portal chat
Pricing details, total payment amounts, and service timelines are disclosed in your written contract before signing, as required by the Credit Repair Organizations Act (15 U.S.C. § 1679d).
Your Rights Are Our
Top Priority
We operate in full compliance with federal consumer protection laws. Before you sign anything, you receive a written disclosure of all your rights.
CROA Compliant
We follow the Credit Repair Organizations Act — written contracts, 3-day cancellation rights, and no advance fees before services are rendered.
TSR Compliant
Per the FTC Telemarketing Sales Rule, we do not conduct phone sales. All sign-ups are self-service through our secure online portal.
FCRA Compliant
We use the Fair Credit Reporting Act to dispute inaccurate, unverifiable, and incomplete information — never accurate, verifiable data.
Honest Advertising
We never guarantee specific score increases or promise to remove accurate information. Results vary and are disclosed upfront.
Real Client Stories
Individual results vary. These testimonials reflect real client experiences but do not guarantee the same outcome for every client.
"I had 6 collection accounts dragging my score down. Rubo Credit disputed 4 of them and all 4 were removed within 60 days. My score went from 521 to 669."
"The self-service portal made everything easy. I signed up online, uploaded my reports, and they handled everything. No phone calls required — which I actually preferred."
"I appreciated the transparency. They told me upfront which items could and couldn't be disputed. No false promises — just honest, professional work."