How ACT Services Works
A proven 3-round dispute strategy built on consumer law — audit, dispute, rebuild. Here's exactly what happens from start to finish.
Free Consultation & Credit Audit
We start with a free 30-minute consultation. You share your credit reports (or we guide you to pull them). Tony reviews all 3 bureaus — Equifax, Experian, and TransUnion — and identifies every negative item: inaccurate data, unverifiable accounts, obsolete items, and Metro 2 compliance violations.
You receive a full written breakdown of what's disputable and a clear explanation of the strategy before you sign anything.
Round 1 — Bureau Disputes (FCRA § 1681i)
We send FCRA § 1681i-compliant dispute letters directly to each credit bureau for every identified item. Bureaus have 30 days to verify — items they cannot verify must be removed by law.
Equifax
FCRA § 1681i dispute sent with supporting documentation.
Experian
Same dispute sent with itemized inaccuracy claims.
TransUnion
Parallel dispute — we track all 3 simultaneously.
Round 2 — Debt Validation (FDCPA § 809(b))
For collection accounts, we send FDCPA § 809(b) debt validation letters directly to the debt collector. They must provide proof the debt is valid and that they have the legal right to collect. Many cannot — and the item must be removed.
Round 3 — Escalation & Metro 2 Compliance
For stubborn items, we escalate citing Cushman v. TransUnion Corp. and Metro 2 format compliance standards. Many negative items are reported with incorrect Metro 2 codes or formatting — which constitutes inaccurate reporting under the FCRA.
Monitor, Report & Rebuild
We track bureau responses monthly and report all deletions in writing. Simultaneously, we guide your credit rebuild: secured card strategy, authorized user positioning, and credit builder accounts to add positive history while negatives are being removed.
Business credit clients run a parallel track — Net-30 vendors, Paydex building, and funding readiness all happen alongside personal credit repair.
The laws we use
on your behalf
Every dispute is grounded in federal consumer protection law. Here's what protects you.
FCRA — Fair Credit Reporting Act
Requires credit bureaus to investigate disputes within 30 days and remove unverifiable items. The backbone of every dispute strategy.
FDCPA — Fair Debt Collection Practices Act
Requires debt collectors to validate debts upon request. Collectors who fail to respond or can't validate must cease collection and reporting.
CROA — Credit Repair Organizations Act
Protects you from predatory credit repair companies. Requires written contracts, prohibits advance fees, and gives you a 3-day cancellation right.
Your free consultation
is 30 minutes.
Tony will review your credit, identify every disputable item, and give you a written plan before you commit to anything.