We help people read their credit reports the way a lender does — then challenge what's inaccurate, incomplete, or unverifiable under the FCRA and FDCPA. No guessing, no jargon, just a plan built around your report.
Every plan includes disputes across all three bureaus — Equifax, Experian, and TransUnion. No fees are collected until after work has been performed, in compliance with the Credit Repair Organizations Act.
CreditComeback is a credit repair organization as defined by the Credit Repair Organizations Act (CROA), 15 U.S.C. § 1679 et seq. Consistent with CROA, we don't collect fees until contracted services have been performed.
Credit reports carry a lot of detail, and mistakes happen more often than people expect. We check each of these categories against what's actually verifiable.
30, 60, or 90-day marks that weigh heavily on payment history.
ReviewableAccounts sent to third-party collectors after non-payment.
ReviewableBalances a lender wrote off that can still sit on your file for years.
ReviewableVehicle or asset repossessions that show up in future lending decisions.
ReviewableChapter 7 or 13 filings that can remain on file for up to a decade.
ReviewableDelinquencies, defaults, or reporting errors on federal or private loans.
ReviewableUnpaid balances or medical collections, often reported inconsistently.
ReviewableMisspelled names, old addresses, or mismatched details that muddy a file.
ReviewableYou'll know what's happening with your file at every stage — no waiting around wondering where things stand.
We pull your 3-bureau report and walk through everything currently affecting your score, in plain language.
We build a plan around what's actually on your file — which items to dispute first and why, based on impact.
Dispute letters go out to Equifax, Experian, and TransUnion for anything inaccurate, incomplete, or unverifiable.
Bureaus and furnishers have response windows — we track them, follow up, and escalate where the law allows.
Once disputes resolve, we help you build positive history so gains hold and compound over time.
Your FICO score is a three-digit signal lenders use to price risk. Here's roughly how the ranges break down.
A sample of client experiences across all three bureaus. Names shortened for privacy.
I finally understood what was actually on my report instead of just guessing.
They explained every step before it happened, which made the process feel a lot less scary.
A few old collections I didn't even recognize came off after the review.
Between the portal updates and text alerts, I never had to wonder what stage I was at.
The rebuild guidance mattered as much as the disputes themselves.
Straightforward process, no pressure, clear updates the whole way through.
These examples reflect individual client experiences and are provided for illustration. Results vary based on each person's credit profile and circumstances. CreditComeback does not guarantee a specific score increase or the removal of accurate information.
Plenty of companies file disputes and go quiet. We built CreditComeback around actually keeping you informed while the work happens.
Every dispute is grounded in your rights under the FCRA and FDCPA, not a generic template.
See exactly what's been sent, what's pending, and what's resolved — 24/7, not just at check-in calls.
You get a specialist who knows your file, not a rotating queue of support tickets.
| Feature | CreditComeback | Typical firms |
|---|---|---|
| Personalized report review | Yes | Rare |
| Ongoing status updates | Yes | Rare |
| Live client portal | Yes | Rare |
| Dedicated advisor | Yes | Rare |
| Medical debt review | Yes | Rare |
| Credit-building guidance | Yes | Rare |
| Business credit guidance | Yes | Rare |
It depends on your file. Some clients see changes within the first response cycle; others with more complex records take longer. We'll give you a realistic timeline after the initial review.
Under the FCRA, you have the right to dispute anything inaccurate, incomplete, or unverifiable. We help you identify those items and handle the dispute process on your behalf.
Yes. Reviewing your own credit report and disputing inaccurate information is a right established under federal consumer protection law. We operate within those laws and CROA's requirements.
Filing a dispute by itself doesn't lower your score. Any score movement comes from the underlying information being corrected, updated, or removed after review.
Yes — reach out to our support team and we'll walk you through your options. We'd rather have that conversation than leave you stuck in a plan that isn't working for you.
The number every plan is ultimately working toward
Most people find out their rights under the FCRA and FDCPA only after something's already gone wrong. We started CreditComeback to close that gap — reviewing reports line by line and explaining, in plain terms, what can actually be challenged.
We're not promising to erase accurate history. We're promising a careful, lawful look at your file, and a straight answer about what comes next.
Every step is grounded in applicable consumer protection statutes.
No jargon walls — updates you can actually act on.
Clear terms, spelled out before you sign anything.
Structured around CROA, FCRA, and FDCPA requirements.
Book a free credit analysis — we'll review your 3-bureau report and tell you honestly what's worth challenging.
Get my free analysisA credit advisor typically reaches out within 24 hours — often the same day.
hello@creditcomebackmi.com
Nationwide — all 50 states
Mon–Fri, 9am–6pm EST