Tools & Education

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 depending on the volume of items and bureau response times.

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.

You pay a setup fee to begin your case, and then a per-item fee only for each negative item successfully removed. Zero advance fees. This aligns our incentives with your results.

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.

Metro 2 is the standard data format creditors use to report account information to credit bureaus. When creditors report data in the wrong Metro 2 format — wrong codes, wrong fields — it constitutes inaccurate reporting under the FCRA, even if the underlying debt is valid. This gives us an additional legal avenue for dispute and removal.

Business credit is built on your EIN, separate from your Social Security number. We guide you through getting a DUNS number, establishing Net-30 vendor accounts (Tier 1–3), and building your Paydex score with Dun & Bradstreet. Once your Paydex is established, you're positioned to apply for business credit cards and lines of credit without a personal guarantee.