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Service

Credit File Repair.

Most credit files have at least one entry that is wrong, expired, or never properly authorised. Each one drags your score down for years. We pull the full file, work out which entries are challengeable, and dispute them properly.

2 to 6 weeks
Typical timeline
97%
Cases taken, won
All 3 bureaus
Equifax, Experian, TransUnion

What we challenge

Not everything on a credit file can be removed. A genuine missed payment will sit there for six years and there is no shortcut. What can be removed is anything that is incorrect, anything that is procedurally invalid, and anything that the lender can no longer evidence.

  • Defaults that should have rolled off: the six year clock starts at the default date, not the settlement date. Plenty of files still show entries that should be gone.
  • Defaults issued without a Default Notice: a lender must serve a compliant Default Notice before reporting a default. Many do not. The marker is removable on procedural grounds alone.
  • Accounts you do not recognise: sometimes identity errors, sometimes a closed account that was sold to a debt buyer who now reports it as their own. Both removable.
  • Late payments that were inside the lender SLA: a payment made on day 28 is not a missed payment. It happens more than you think.
  • Search footprints from applications you did not make: identity related searches that you did not authorise.

How we run the file

  1. 1

    Pull all three bureau files

    Equifax, Experian and TransUnion show different things. We need all three.

  2. 2

    Audit the file entry by entry

    Cross reference dates, amounts, balances, statuses. Anything inconsistent is a candidate to dispute.

  3. 3

    Strategy and order

    Some entries pin down others. We dispute in the order most likely to land each one.

  4. 4

    File disputes at source

    Disputes go to the lender, not the bureau. The bureau then updates within 28 days of the lender response.

  5. 5

    Refresh and review

    Pull the file again four weeks after each round. The score moves. We tell you what to do next to keep the trajectory.

A note on score rebuilding

Removing bad entries gets you partway. Rebuilding requires recent positive data: an active credit account in good standing, a small monthly direct debit, three to six months of clean activity. We give every credit file client a written rebuild plan after the disputes complete. No upsells, no products to push.

Common questions

Questions, answered straight.

How quickly does my score change after a dispute lands?
The bureau updates the file usually within 28 days of the lender confirming. The reported score moves on the next monthly cycle. Most clients see the first material score change six to ten weeks after the dispute is filed.
Can you remove genuine missed payments?
No, and we will not pretend otherwise. Genuine missed payments sit for six years from the missed date. We can sometimes get goodwill removal where the relationship with the lender supports it, but we will tell you straight on the first call which entries are removable and which are not.
Does my Experian Boost or similar affect this?
No. Boost and similar products are voluntary positive data feeds. They do not affect the underlying records that lenders see when they pull a file. The work we do is on the underlying records.
Will applying for new credit during the dispute hurt me?
Yes. Hard searches stack up and dispute work moves slower if the file is changing weekly. We ask clients to hold off any applications until after the dispute round closes.

Want a proper look at your file?

Send us a short note about what is showing up. We will tell you which of the entries are worth challenging and what a clean file looks like for your situation.

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