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+1 (631) 212-1341 Free Credit Analysis

Credit repair services built on the FCRA

Negative items we challenge on your credit report

Federal law requires credit bureaus to report information that is accurate, complete and verifiable. When a negative account falls short of that standard, we dispute it.

Collections

Collection accounts with wrong balances, duplicate listings, or debts the collector can’t validate.

Charge-offs

Charged-off accounts with re-aged dates, incorrect balances, or conflicting status codes.

Late payments

30, 60 and 90-day lates reported in error or inconsistently across the three bureaus.

Hard inquiries

Inquiries you never authorized, including ones linked to identity theft or unrequested credit pulls.

Repossessions & foreclosures

Deficiency balances, sale dates and account statuses that don’t match the lender’s own records.

Medical collections

Medical debts that were paid, covered by insurance, or reported with incorrect amounts.

Bankruptcies & public records

Discharged accounts still showing balances, and records reported past their legal time limit.

Identity theft & mixed files

Fraudulent accounts, and accounts belonging to someone else merged into your credit file.

Student loans

Duplicate loan listings, transferred loans reported twice, and incorrect delinquency history.

How credit repair works at Aunify

Four steps from credit report review to a cleaner file

  1. Free credit analysis

    You share your 3-bureau credit report. We review every account for errors, reporting inconsistencies and items past their reporting period.

  2. An honest action plan

    We tell you which items have grounds for dispute and which don’t. You never pay to dispute an item we believe is accurate.

  3. Disputes sent to the bureaus

    Custom dispute letters go to Equifax, Experian and TransUnion. Bureaus generally have 30 days to investigate each dispute.

  4. Follow-up and credit building

    We review every bureau response, escalate where the law allows, and coach you on building positive credit history.

Free credit analysis

Find out what’s really holding your credit score back

Tell us a little about your goals. A credit specialist will review your report and give you an honest assessment, with no obligation and no cost.

  • Buying a home or refinancing
  • Getting approved for an auto loan
  • Qualifying for lower interest rates
  • Rebuilding after a hardship or identity theft
  • Improve credit score

Required

Checking your analysis does not affect your credit score.