Free diagnosis of your three credit reports
Before selling anything, we look at what is there. Within one business day you get a written answer with your real situation and what to do first.
- Review of Experian, Equifax and TransUnion reports
- Separation of disputable errors from real debt
- Your score range and what it opens today in financing
- Priority order: what to fix first and why
- A realistic timeline, with no promises of points
Because without seeing the report nobody can say what is possible. And because federal law prevents charging before performing a service — the diagnosis is what lets us propose a cycle with an honest, fixed price.
We do not ask for bank passwords, card numbers or payment at this stage. Your data is used only for the analysis and to contact you about it.
Start here
5 quick questions, under a minute.
What happens after you send it
Contact on the channel you choose
WhatsApp, phone or email, in English, Spanish or Portuguese. A short call to understand the goal and confirm the best way to pull the reports.
Analysis and written report
Account-by-account inventory and the split between what is disputable and what is real debt.
A written proposal, if there is work to do
With scope, estimated timeline, fixed price and your cancellation right. If your case is only about time and discipline, we say so and charge nothing.
Questions before you send
Do I have to pay anything now?
No. The diagnosis is free and we do not ask for payment details at this stage.
Will pulling my credit lower my score?
No. Checking your own reports is a soft inquiry and does not affect your score. What affects it is applying for new credit, which is different.
What if I do not know my score?
Great reason to start. Most people who contact us do not know — and many find out the problem was smaller than they feared.
Will you call me constantly?
No. We contact you about your analysis and respect the channel and hours you choose. If you ask us to stop, we stop.