You don't need a credit repair company.
You need the right process.
Under the Fair Credit Reporting Act, you have the right to dispute anything inaccurate, unverifiable, or outdated on your credit report — at no cost to you. ScoreVera gives you the tools to do it correctly.
If any of these are on your credit report, keep reading.
ScoreVera is built for people dealing with the kinds of credit problems that drag scores down and block approvals — the same problems that credit repair companies charge $79 to $149 a month to "fix."
- Collection accounts — paid, unpaid, or sold to a third-party collector
- Charge-offs from credit cards, personal loans, or medical debt
- Late payments, even if the underlying account is now current
- Hard inquiries from applications you don't recognize
- Accounts that aren't yours (mixed files, identity errors)
- Negative items older than 7 years still appearing on your report
- Inaccurate balances, payment statuses, or account dates
- Medical debt collections — especially post-2024 CFPB rule changes
You do not need a lawyer. You do not need a credit repair company. You need the process — and ScoreVera gives you exactly that.
What the FCRA actually lets you do.
The Fair Credit Reporting Act (15 U.S.C. § 1681 et seq.) is federal law. It gives every American consumer specific, enforceable rights with respect to their credit reports. Credit repair companies use these exact same rights — they cannot do anything on your behalf that you cannot do yourself for free.
You can dispute any item you believe is inaccurate, incomplete, or unverifiable. The bureau must investigate within 30 days.
You can request the source information behind any entry on your report — who provided it, what they reported, and when.
You can dispute directly with the original lender or collector who reported the information — not just the credit bureau.
Most negative items must be removed after 7 years. Bankruptcies after 10. If it's still there past the window, you can demand removal.
Upload your report. Get your letters. Track the clock.
Get your report from AnnualCreditReport.com — free, no credit card. Upload it to ScoreVera.
The system scans for collections, charge-offs, late payments, inquiries, and items that may be inaccurate, outdated, or unverifiable.
ScoreVera generates FCRA-compliant dispute letters — § 611 disputes, § 609 file requests, debt validation letters, and goodwill letters — tailored to each item.
Bureaus have 30 days to investigate. ScoreVera tracks your timelines and tells you exactly when to follow up or escalate.
What people are disputing successfully.
Results depend on what's on your report and how bureaus respond. But these are the most common items ScoreVera users successfully dispute.
Unverifiable collection accounts deleted after a proper FCRA § 611 dispute.
Inaccurate late payment marks updated or removed after furnisher investigation.
Unauthorized or unrecognized hard inquiries removed under § 609.
Old charge-offs challenged for accuracy, completeness, and verifiability.
Negative items past the 7-year reporting window flagged and removed.
Medical collections challenged — especially after recent CFPB reporting rule changes.
Start free. Upgrade when you're ready.
ScoreVera's free plan lets you pull your report, scan for issues, and see exactly what needs attention before you commit to anything.
The full dispute system — letter generator, timeline tracker, follow-up engine, and escalation workflows — is $29/month. Cancel any time. No contracts. No commissions. No one else touching your disputes.
Your credit report is free. So is getting started.
Pull your report from AnnualCreditReport.com, upload it to ScoreVera, and see what's dragging your score down — in minutes, not months.
Upload Your Free Credit Report