Every line of your credit report, reviewed. Every error, disputed.
Our bilingual advisors review all three bureau reports for Chinese American clients, dispute collections, late payments and inquiries that are inaccurate or can’t be verified, and plan the work around when you need to buy a home or a car.
| Account | Outcome | |
|---|---|---|
| T-MOBILE collectionBalance $3,650 | Under review | |
FindingExperian and TransUnion show first-delinquency dates four months apart and different balances. BasisReports must be accurate and complete; the collector must be able to substantiate the debt and amount. ActionRequest original statements and assignment records, and dispute with both bureaus. | ||
| BMW auto charge-offPaid in full | Under review | |
FindingPaid in 2023, but Equifax still shows $8,420 and TransUnion lists the account as unpaid. BasisAn accurate charge-off may remain, but its balance and status must be updated correctly. ActionSubmit proof of payment and request paid status with a zero balance. | ||
| Unauthorized inquiries3 items | Under review | |
FindingThree inquiries have no corresponding applications or opened accounts. BasisAn inquiry needs a permissible purpose, usually your application for credit. ActionCheck each application with the client and dispute inquiries without a verifiable source. | ||
| CHASE credit cardPaid as agreed | No action needed | |
ConclusionA positive record of on-time payments. RecommendationKeep the account open; a longer account history can help. ReminderWe only address inaccurate or unverifiable records. | ||
Services
We address records with a basis for dispute: errors, inconsistencies between bureaus, or information that creditors or collectors cannot substantiate.
Three-bureau report review
Compare accounts, balances, dates and statuses across all three bureaus to identify errors and conflicting information.
Collections & charge-offs
Request complete debt verification and dispute records that cannot be substantiated or have incorrect amounts or dates.
Late payments
Check month-by-month payment histories for inconsistent dates, bureau differences and outdated late payments.
Hard inquiries
Compare inquiries against opened accounts and challenge inquiries you did not authorize or that have no matching account.
Identity theft
Help prepare an FTC identity theft report, notify bureaus, and request freezes and removal of fraudulent accounts.
Credit structure planning
Guidance on utilization, account mix and application timing to support a more stable credit profile.
A two-minute self-check
Open your credit report and select the situations you see. The results explain what may support a dispute and what may need a different approach.
Our process
Every step has a written deliverable so you know the current status and next action. A complete cycle usually takes 4–6 months.
Report review
Your advisor reviews all three reports, identifies possible disputes and assesses their importance.
Initial disputes
Prioritize by impact, prepare evidence and letters, and submit to all three bureaus.
Results & follow-up
Bureaus generally respond within 30 days. We recheck the reports, follow up unresolved items from another angle, and assist with CFPB complaints when appropriate.
Maintenance & planning
Based on the final reports, receive guidance on card use and loan application timing to help maintain progress.
Prepare for a mortgage
The score used by a mortgage lender may differ from the one in your phone app. We prioritize work with mortgage scoring in mind.
Allow time for report updates and score changes to be reflected.
Recent collections and unpaid collections totaling over $2,000 may need attention before closing.
With your authorization, we can share progress and help avoid unnecessary repeat inquiries.
An educational illustration of how models respond differently, not a prediction of your score. The dotted line illustrates a commonly cited conventional mortgage threshold of about 620.
Advisors
Each client has a dedicated Chinese-speaking advisor from review to closing, so you do not need to explain your situation repeatedly.
Client examples
Illustrative cases showing the format of a repair journey. These are not verified client results.
| Client | Goal | Main items addressed | Duration | Average score | |
|---|---|---|---|---|---|
| Ms. LCalifornia | Mortgage application | 2 telecom collections and 3 unauthorized inquiries removed | 5 months | Journey › | |
Round 1Review found inconsistent balances on two telecom collections 598 Round 2One collection and two inquiries removed 641 Round 3Second collection and final inquiry removed 702 ClosingUtilization reduced to 9%; mortgage approved three months later 730 “The explanation after each round made the next step clear without having to keep asking.” | |||||
| Mr. CNew York | Auto loan application | 1 charge-off updated to paid; 2 late payment records removed | 4 months | Journey › | |
Round 1Charge-off balance contradicted payment records; submitted proof 622 Round 2Charge-off updated to paid, with a zero balance 668 Round 3Two late payments had inconsistent dates across bureaus and were removed 715 ClosingAdvised to wait 60 days before applying; interest rate decreased 750 “I thought paying it off was enough. I had no idea the balance had never been updated.” | |||||
| Ms. WTexas | Identity theft | 4 fraudulent accounts removed; FTC identity theft report completed | 3 months | Journey › | |
Week 1Helped file an FTC identity theft report and freeze bureau files 571 Round 1Disputed four fraudulent accounts with the FTC report 612 Round 2All four accounts removed 684 ClosingSet up fraud alerts and regular report checks 705 “My biggest concern was privacy. The advisor explained what information each step would use.” | |||||
Select a row to explore each round. This table is illustrative and must be replaced with authorized client cases before presenting it as real results. Individual outcomes vary.
Information security
Credit repair involves identity documents and reports. The following describes the proposed information-handling commitments.
Identity documents, reports and account passwords are stored with encryption.
- Documents and reports use encrypted storage and HTTPS in transit
- Account passwords are encrypted separately and not shown in plain text
- Departing employees' accounts are disabled the same day
Only the advisor responsible for your case can view your information.
- Access is limited to your advisor and their supervisor
- Advisors see only the fields needed; SSNs show only the last four digits by default
- Viewing the full number requires a separate action
Access to sensitive information is recorded for traceability.
- Records identify who viewed or copied information and when
- Employees cannot modify or delete these logs
- You can request your access records
We do not sell or share your personal information.
- No sale, sharing or marketing use
- Information is provided to bureaus, creditors or CFPB only as needed for disputes
- You may request deletion after case closure
FAQ
Cannot find an answer? Call us or leave a message below.
Will disputing a record lower my score?
No. Filing a dispute does not itself deduct points or create a hard inquiry. During investigation an account may be marked as disputed by the consumer; that notation is removed afterward.
How long does the process usually take?
A complete cycle typically takes 4–6 months. Bureau investigations generally finish within 30 days per round, depending on the number of items and creditor responses.
What will I receive after each round?
A written results report explaining what was removed or corrected, what remains, the plan for the next round and changes in the three bureau scores. Chinese explanations are available.
Do you help with CFPB complaints?
If an issue remains after the bureau's investigation, we may help submit a complaint to the Consumer Financial Protection Bureau (CFPB). Dispute with the bureau first and wait for the investigation to finish before escalating.
Do I need to contact bureaus or collectors myself?
Usually not. If they contact you directly, tell your advisor first so we can explain how to respond.
Does a paid debt still need attention?
Payment changes the balance to zero, but a collection or charge-off notation can remain for seven years. Inaccurate information can still be disputed.
Can accurate late payments be removed?
No. Bureaus may retain accurate, verifiable information. We can help plan card use and repayment to support gradual recovery while the record remains.
How long do negative records remain?
Most negative information remains for seven years from the first delinquency; Chapter 7 bankruptcy can remain for ten years. Hard inquiries remain for two years and usually affect scores only in the first year.
What should I do about an unfamiliar account?
It may be identity theft. Do not make a payment to the other party first. Tell us promptly so we can help prepare an FTC identity theft report and notify the bureaus.
Why is my app score different from my lender's score?
Apps often show VantageScore or FICO 8, while mortgage lenders commonly use FICO 2, 4 and 5. Different models can produce scores dozens of points apart from the same report.
How soon does a score change after removal?
Once the bureau updates the report, the change is reflected the next time a score is calculated. It is generally visible within 30–45 days.
Can you guarantee a specific score increase?
No organization should guarantee a specific score. Results depend on the basis for each dispute and the findings of bureaus and creditors.
What documents should I prepare?
Identity proof, address proof from the past 60 days, an SSN document, the latest year's tax return and a three-bureau credit report. Your advisor can help obtain the report if needed.
Why do you request a tax return?
The name, SSN and address on a tax return can help verify personal information on the report. It may also support address verification when a utility bill is unavailable.
Is my information safe?
Documents and account details are stored with encryption. Only your assigned advisor can view them, with access recorded. We do not sell or share your information.
Can I dispute directly with the bureaus?
Yes. The law protects your right to dispute directly for free. Our service provides professional review, evidence preparation, multi-round follow-up and Chinese-language explanations.
Can I cancel after signing?
Yes. Federal CROA allows cancellation without penalty before midnight of the third business day after signing. Contracts covered by California’s Credit Services Act allow until midnight of the fifth working day. Other applicable laws may allow longer; follow the written cancellation notice supplied with your contract.
Is the initial review free?
Yes. Your advisor explains which items may be addressed and the expected timeline. You decide whether to sign afterward.
Book a free consultation
Leave your contact details. An advisor will contact you within one business day to understand your situation and arrange a report review. No SSN is needed at this stage.
- Phone(626) 349-0311
- Emailinfo@ficorebuild.com
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