It's Time to Act
on Your Credit.
ACT Services disputes inaccurate items, removes negatives, and rebuilds your score — legally and permanently. Average client improvement: 60–120 points.
120+
Avg. point uplift for active clients
5 States
KY · TN · FL · IL · OH
$0 Advance
Billed after 30 days of active work
Built on compliance.
Driven by results.
A real dispute strategy, transparent pricing, and the accountability most credit repair companies skip entirely.
Simple Monthly Pricing
Flat monthly plans starting at $97 — billed only after 30 days of active work. No advance fees, no setup costs, no surprises.
3-Round Dispute Strategy
Bureau disputes → Debt validation → Escalation citing Cushman v. TransUnion and Metro 2 compliance. We don't quit after round one.
Full 3-Bureau Audit
We pull Equifax, Experian, and TransUnion and identify every inaccurate, unverifiable, and obsolete item.
Rebuild & Business Credit
Removal is step one. We guide your score rebuild and help you qualify for business funding with a real Paydex strategy.
Transparent & Accountable
Monthly reporting, clear communication, and a written service agreement that spells out exactly what we do — and what it costs.
FCRA / FDCPA / CROA
Every dispute is written to the law. Licensed, bonded, and operating with full recordkeeping and consumer disclosures.
Three steps to a
stronger score
A clear, proven path from audit to approval-ready — built on consumer law.
Credit Audit
We pull all 3 bureau reports and identify every negative item — inaccurate data, unverifiable accounts, obsolete marks, and Metro 2 issues.
Dispute & Delete
Round 1: FCRA § 1681i bureau disputes. Round 2: FDCPA § 809(b) debt validation. Round 3: Metro 2 escalation. We handle all letters.
Rebuild & Monitor
We track results monthly, guide your credit rebuild, and build your business credit path with Net-30 vendors and Paydex strategy.
Real people, real scores.
These results are from actual ACT Services clients. Individual outcomes vary based on report history and cooperation with the dispute process.
"I went from a 518 to a 671 in about 4 months. Tony removed 3 collections and a charge-off I thought would never come off. I just got approved for my first apartment without a co-signer."
"I had two medical debts and a repo dragging my score for years. After 5 months with ACT Services, both were deleted and my score jumped 89 points. Monthly updates kept me in the loop the whole time."
"I started the business credit track with a 580 personal score and zero business credit. Six months later I have a Paydex of 80, Net-30 accounts, and a $20,000 business line. This changed my business."
Choose your path
to better credit
Transparent pricing with zero advance fees. You only pay after services are fully performed.
DIY Credit Roadmap
- Free consultation included
- Goal-specific action plan
- Dispute letters for your specific items
- Month-by-month calendar
Credit Repair — Standard
- Full 3-bureau audit
- FCRA § 1681i disputes — we send them
- FDCPA debt validation
- Monthly status update & portal access
Credit Repair — Priority
- Everything in Standard
- Priority processing
- Business credit building guidance
- Net-30 roadmap & Paydex strategy
Business Credit Building
- EIN & DUNS guidance
- Net-30 vendor roadmap (Tier 1–3)
- Paydex score building strategy
- Monthly funding readiness assessment
No fees charged in advance. All service fees earned only after contracted services are fully performed. Read CROA disclosures →
Everything you
need to know
Most clients see meaningful deletions within 30–60 days of the first dispute round. A full 3-round strategy typically completes in 3–6 months. Business credit building runs concurrently and can show results in 60–90 days.
We dispute items that are inaccurate, unverifiable, or obsolete under the FCRA. Items bureaus cannot verify within 30 days must be removed by law. We do not dispute items we know are accurate and verifiable — that would be fraud.
ACT Services uses flat monthly pricing — Standard at $97/mo, Priority at $149/mo, and Business Credit at $199/mo. All plans are billed in arrears, meaning your first payment isn't due until after your first full 30 days of active work. No advance fees, no setup costs. You also have a 3-day right to cancel under CROA with no charge.
ACT Services currently serves clients in Kentucky, Tennessee, Florida, Illinois, and Ohio. Contact us if you're in another state — we may still be able to help.
The Credit Repair Organizations Act (15 U.S.C. § 1679 et seq.) prohibits advance fees, requires written contracts, and gives you a 3-day cancellation right. ACT Services operates in full compliance — you receive all required disclosures before any work begins.
Your score won't
fix itself.
Book your free 30-minute consultation. Tony will review your situation, explain exactly what's disputable, and give you a clear plan — no obligation, no pressure.