Credit OS combines rapid credit repair, negative item removal, & underwriting optimization strategies to help secure the highest credit score possible on all three bureaus, allowing you to get approved for anything in the future.

Our Legal Team | Esquire drafts multi-level legal complaints, legal disputes, and letters while our Credit Specialists call the bureaus daily to remove negative credit items as quickly as possible. We delete negatives across all 3 bureaus—collections, charge-offs, late payments, hard inquiries, evictions, repossessions, bankruptcies, and other negative public records—then rebuild your profile (age, mix, limits, utilization plan) to maximize scores and approvals. Typical movement in 30–90 days. 120-day money-back guarantee if no negatives are removed.

Rapid Credit Repair – Our legal team & credit specialists restore your credit for you across ALL 3 major credit bureaus (Experian, Equifax, TransUnion).

Expert Legal Disputes Process – Our legal team uses Federal Laws to remove negative items lawfully and efficiently, our credit specialists work directly with the bureaus every day to remove items efficiently.

Optimize Your Profile for Future Funding – Align your credit with lender expectations to ensure you’re ready for major funding opportunities.

Build Positive Credit – Boost your credit score with high-limit authorized user accounts, positive primary accounts, and lowered credit utilization

24/7 Credit Fraud Management & Continuous Credit Repair – Enjoy round-the-clock credit fraud protection for one full year, ensuring your credit stays at top security

Clean Up Your Banking Reports – We remove negative marks from ChexSystems and EWS, making it possible to secure new bank accounts and loan products