We prepare federally compliant dispute documentation for people with inaccurate, unverifiable, or identity-theft-related information on their credit reports — then help you understand your next steps under the law.
See what's on your reports and what may need attention before you pay anything — we review first, you decide after.
The Process
Upload your credit reports from all 3 bureaus, a government-issued ID, and proof of address through our secure portal.
Our team reviews your reports, identifies information that may be inaccurate or disputable under federal law, and prepares custom documentation.
Your dispute letters — citing the applicable federal statutes — are submitted to Equifax, Experian, and TransUnion.
Bureaus are legally required to investigate properly submitted disputes. We track the timeline and keep you updated in your portal.
Documented Report Changes
Two anonymized customer examples, compared using dated SmartCredit three-bureau reports and the same VantageScore 3.0 model.
September 14 – October 2, 2026
| Bureau | Before | After | Change |
|---|---|---|---|
| Equifax | 668 | 714 | +46 |
| Experian | 667 | 715 | +48 |
| TransUnion | 660 | 667 | +7 |
Derogatory account counts fell from 8 to 0 on Equifax, 7 to 0 on Experian, and 8 to 3 on TransUnion.
Three collection accounts still appeared on TransUnion.
August 25 – October 2, 2026
| Bureau | Before | After | Change |
|---|---|---|---|
| Equifax | 523 | 707 | +184 |
| Experian | 523 | 710 | +187 |
| TransUnion | 539 | 612 | +73 |
Each bureau’s derogatory account count fell from 6 to 0.
One delinquent account still appeared on TransUnion. Revolving utilization also fell from 101% to 1%.
These selected examples are not typical-results estimates or promises. Report dates are comparison dates, not service completion deadlines. An account no longer appearing does not establish permanent deletion. Score changes can reflect payments, utilization, and other reporting changes; they cannot be attributed solely to disputes. Individual results vary. Names, account numbers, and identifying report images are withheld for privacy.
Client Experiences
“I had 6 collection accounts I didn’t even recognize. Within 35 days all 6 were deleted. My score went from 521 to 608. These letters are the real deal.”
“They found 14 items I didn’t know about. The letters cited laws I’d never heard of. Bureaus responded fast — I went from 490 to 602 in under 45 days.”
“Professional, fast, and actually works. I tried disputing on my own for months with no results. Prime Motion got 4 accounts removed in the first round.”
Individual results vary and are not guaranteed. Past outcomes do not predict future results — credit report changes depend on the accuracy of the information on file, bureau processing, and each person’s individual circumstances.
Pricing
Plan prices are quotes, not bills. No payment is due during signup. Each plan includes 3 custom bureau letters.
Custom dispute letters for all 3 bureaus with standard processing. Includes client portal access and document tracking.
Get Started →Everything in the 30-Day plan, prioritized. Your file moves to the front of the queue — the service timeframe is specified in your written agreement.
Get Started →Maximum priority. Includes a personal review call to walk through your file and direct communication throughout.
Get Started →Turnaround times refer to our letter preparation and submission timeline after receiving your complete documents — not to bureau decisions, which are governed by federal timelines and vary by file.
The Legal Foundation
These are your rights as a consumer. Our letters are built to meet the documentation standards each one requires.
Get 3 dispute letters — built for your exact credit file — prepared to the documentation standards federal law requires.
Choose Your Plan →Plans from $500 · 4-day · 15-day · 30-day service