My company leverages the Fair Credit Reporting Act Law. We pull your credit report, perform a detail analysis then dispute all negative items on your report at the same time with all 3 credit bureaus, creating a very quick turnaround. Based on that we are able to Dispute any negative, unverifiable, duplicate items on your credit report. Medical bills, bankruptcies, evictions, tax liens, judgements, child support, student loans, repossessions, foreclosures, collections, whatever is negative. It really doesn't matter what the negative item is, it can be dispute to be removed. Your past late payments will be updated and reflect as never late, paid as agreed! Clients can start to see results within 45-90 days of getting started. Results vary.