The report said convicted. The docket says dismissed.
Someone read that report and decided. You send the report and the source record. You get back the error list, every line quoted against the document that contradicts it, and the section of the statute each one breaks.
What the report has to say for us to take it
| On the report | What we check it against | Section |
|---|---|---|
| Dismissed case shown as convicted | Court docket, disposition line | 1681e(b) |
| Expunged charge still listed | Expungement order | 1681e(b) 1681k |
| Someone else's record merged in | DOB, middle name, ID | 1681e(b) |
| Paid account shown open or settled for less | Payoff letter, bank record | 1681e(b) |
| Denied with no pre-adverse notice | Inbox, phone log, letter | 1681b(b)(3) |
| Disputed, verified without checking | Your dispute receipt, thirty day clock | 1681i(a) |
| Public record with no verification | Docket, the thirty day notice | 1681k |
One line of the report against one document that contradicts it. That is the whole file. No contradiction, no letter.
What comes back
- The error list, one line per error, each quoted to its source document and the section broken
- A score out of 10 and a straight take on whether it is worth a letter
- The dispute packet to the agency and the furnisher, pre-written, with the thirty day clock started
- A demand drafted for your signature, addressed to the agency's registered agent
- A plain statement of the source gap on every error. If a page is missing, the error says so
Price
The read is free. The paid lanes exist for people who need it back today, or need it done by us end to end. Nothing on the settlement side is charged until money lands.
On settlement: 40% of what it recovers, nothing if nothing recovers. The fee is 40% of gross, said here so it is not buried, and you pay no filing or postage costs.
Send the report
Who this is
A document desk, not a law firm. We read reports, pull the source records and write the paperwork. A consumer-law attorney signs the demand and the suit. The consumer is the client and the consumer signs everything.
Drafting and case preparation only. No representation, no advice, no promise of an outcome.