The Credit Rush challenges inaccurate collections, late payments and inquiries across TransUnion, Equifax and Experian — and shows you the progress on every single item.
72 hrs
First disputes filed
3
Bureaus covered
30-45
Days per round
Bank-level encryption
Reports stored in private, encrypted storage.
FCRA & FDCPA backed
Every letter cites the law it stands on.
72-hour first round
Disputes go out fast, not next month.
Real humans
A specialist reviews every dispute you file.
Why it matters
Every point on your score changes what you pay. Here's what's waiting on the other side of a clean credit report.
Most mortgage programs want a 620+ score. We help you clear report errors so you qualify for better rates and lower down payments.
FHA, VA, USDA and conventional loans all price off your credit. A stronger score can mean thousands saved over the life of a loan.
Auto lenders tier their rates by score. Moving up one tier before you shop can cut your interest rate dramatically.
Good credit unlocks rewards cards, higher limits and 0% intro offers — instead of high-fee cards that hold you back.
Credit is a tool. With clean reports and the right habits, the big goals — home, car, business — get a lot closer.
All three major bureaus
Disputes filed directly with TransUnion and tracked to resolution.
Tracked in your portal
Every inaccurate item challenged under FCRA investigation rules.
Tracked in your portal
Round-by-round follow-up until Experian responds in writing.
Tracked in your portal
Legal-grade disputes
We don't send generic template letters. Each dispute is prepared around the consumer-protection laws that TransUnion, Equifax and Experian are legally required to obey.
Every dispute letter is built on your rights under the FCRA — the federal law that requires credit bureaus and furnishers to report only accurate, verifiable information.
Our dispute papers are reviewed by real attorneys and grounded in the Fair Credit Reporting Act, so each challenge cites the law the bureaus must follow.
Our process follows Consumer Financial Protection Bureau (CFPB) guidance, and if a bureau fails to properly investigate, we show you how to escalate a complaint to the CFPB.
How it works
Step 1
Send us your TransUnion, Equifax and Experian reports in a secure portal.
Step 2
Inaccurate, unverifiable and outdated items get challenged in the first 72 hours.
Step 3
Watch each item move from submitted to investigating to resolved, bureau by bureau.
Interactive
Move the sliders to estimate where your score could land once inaccurate items come off your reports. Estimates only — not a promise of results.
Projected score
721
+141 points potential
Starting point 580 · 3 collections · 4 late payments · 75% utilization.
Credit education
Free guides from our specialists — the same strategies we walk clients through after the disputes go out.
Secured cards
A secured card works like a regular credit card, but you put down a refundable deposit (often $200–$500) that becomes your limit. It reports to all three bureaus just like a normal card, so on-time payments build real history. It's usually the easiest card to get approved for with damaged credit — and many graduate to unsecured cards within 6–12 months.
Card habits
Keep utilization under 30% — under 10% is even better. Pay on time, every time (set autopay for at least the minimum). Never close your oldest card, because age of history matters. And don't max a card out even if you pay it off monthly; the balance on statement date is what gets reported.
Authorized user
Being added as an authorized user on a family member's well-managed, older card can add that positive history to your reports. Choose a card with low utilization and a perfect payment record — and know the risk goes both ways if payments are missed.
Tradelines
A primary tradeline is an account in your own name — it carries the most weight with lenders. Authorized-user tradelines can help your score, but mortgage and auto underwriters discount them. The strongest files mix both: your own secured card or credit-builder loan, plus seasoned AU history.
Mortgage prep
FHA loans can approve scores around 580 with 3.5% down; conventional usually wants 620+, and the best rates start near 740. Disputing inaccurate negatives, dropping utilization, and avoiding new inquiries 6 months before applying are the biggest pre-approval moves you can make.
Auto loans
Auto lenders use industry-specific scores and tiered pricing. Before you shop: pull your reports, dispute errors, pay cards down, and get pre-approved through a credit union. A 50–80 point improvement can move you from subprime double-digit APRs to single digits.
Credit-builder loans
Credit-builder loans hold your payments in savings and report each on-time payment to the bureaus — a simple promissory note that builds history without needing approval based on your score. Pair one with a secured card and you have two primary tradelines reporting monthly.
The full picture
Disputes remove the negatives. Secured cards and builder loans add positive primary history. Authorized-user accounts add age. Low utilization ties it together. Done in the right order, these moves compound — and that's exactly the plan we build with you in the portal.
Results
Illustrative client journeys. Results vary — only inaccurate, unverifiable or outdated items can be removed.
Marcus T.
+143Before
528
After
671
9 collections removed · 5 months
Alicia R.
+112Before
592
After
704
3 late payments, 6 inquiries · 4 months
Devon & Kim
+127Before
611
After
738
Mortgage approved · 6 months
Cost of waiting
Drag your current score and see the extra interest you would pay versus a 720 score.
Auto loan
17.9% vs 6.4% APR
At 580
$811/mo
At 720
$625/mo
You overpay $11,174 over the full term.
Mortgage
8.9% vs 6.4% APR
At 580
$2,552/mo
At 720
$2,002/mo
You overpay $198,066 over the full term.
Estimates only, based on typical APR ranges. Not a loan offer.
Upload your three reports and a specialist marks every item worth disputing, bureau by bureau. You decide what to challenge.
Claim my free auditClients
Three collections gone in the first round. The portal showed me exactly where each dispute was, which bureau, what day. No guessing.
Marcus T.
Houston, TX
I had tried disputing myself for a year. The Credit Rush got the letters worded right and the inquiries came off in six weeks.
Alicia R.
Atlanta, GA
We went from denied to pre-approved on a mortgage. Worth every dollar of the membership.
Devon P.
Chicago, IL
Compare
FAQ
Start today
If you want our help improving your credit score so you can start getting approved — for a home, a car, or the cards you actually want — fill out this quick form and a specialist will reach out with your next steps.
Create your client account, upload your reports, and we will take it from there.
