Credibility, where it belongs.
No tricks. Just the law. Real people, backed by our own technology.
Don't get scammed like I did.
Freddy, founder of CredOra
- WrapCentral
- Scammed out of it
- Scammed again
- Learning the law
- Jose's house
- CredOra
Heard it all before?
The "I'll fix your credit in 30 days" guy. The CPN plug. The pay-me-first pitch. We're not them.
Templates who?
Bureaus spot copy-paste disputes instantly. Yours are written from scratch, and nothing goes out till you say go.
The devil's in the dates.
Wrong dates, wrong balances, wrong codes. Most errors hide in the details, and we check every line.
We got scammed. Not once, twice.
So we learned the law ourselves and built the company we wish we'd found.
Four steps. No mystery.
- 01
Free review
We go through your reports with you, line by line, and tell you straight what's worth fighting and what isn't.
- 02
A plan in plain English
Which items, which bureaus, and why. No jargon and no mystery package.
- 03
You approve, we mail
You read every letter before it goes out. Then it's mailed with tracking and the deadline clock starts.
- 04
Results, then next round
We read every response. If a bureau misses its deadline or gets it wrong, we follow up.
If it's wrong, it's worth a look.
Accurate information can stay on your report. Errors in dates, balances, status and ownership are fair game, and there are more of them than most people think.
- Collections
- Charge-offs
- Late payments
- Repossessions
- Hard inquiries
- Bankruptcies
- Identity theft
- Mixed files
- Wrong names and addresses
- Accounts that came back
- Student loans
- Medical collections
The scam-proof quiz
It's okay if you don't choose us.
But take two minutes first. Know what's real before you hand anyone your money. Finish all ten and unlock 35% off your first round.
My credit got cleaned up in less than a month. Then an account came back, and now the company I paid won't answer. Is that allowed?
The CredOra Report
Latest from the Report
Mortgages
Your mortgage score just got a new referee.
Fannie Mae and Freddie Mac now let every approved lender use VantageScore 4.0, and FHA follows in January. Here's what that means before you apply.
Read it →ScamsThat dream car website might be a perfect fake.
The FTC says scammers are using AI to clone real dealership websites and collect payment for cars that don't exist. Here's how to spot one.
Read it →Your rightsYour complaint still counts. The public just can't read it now.
The CFPB stopped publishing the stories people write in their complaints. Filing still works, but you just lost a handy research tool.
Read it →Straight answers.
How much does it cost?
It depends on your file. We'll go over pricing in writing on your free review, before you sign anything, and you never pay for work before it's done.
How long does it take?
Bureaus generally have 30 days to respond to each round, and most files take a few rounds. We'll give you an honest estimate after your review.
Can you remove accurate information?
No, and nobody legally can. We make sure everything on your report is accurate, complete and verifiable. A lot of it isn't.
Will I see my letters before they're sent?
Yes. Every letter comes to you first, and nothing goes out until you approve it.
How do I know my letters were actually mailed?
Every mailing is tracked, and disputes go certified. You get the receipts and the tracking.
What if I don't need credit repair?
Then we'll tell you, for free. If high balances are your only issue, paying them down will do more than any letter.
Start here
Let's look at your file together. Free.
We'll tell you what's worth disputing, what isn't, and whether you even need us. No pressure, no pitch.
- No payment before work is done
- You approve every letter
- Proof of every mailing