Remove ยท Rebuild
ยท Get Funded
We use your federally protected rights under the Fair Credit Reporting Act to dispute inaccurate, incomplete, and unverifiable negative items across all three major credit bureaus โ working toward a stronger credit profile that may open doors to better rates, more approvals, and greater financial opportunity.
Your Legal Right to an
Accurate Credit Report
Credit repair is the legal process of reviewing, disputing, and challenging inaccurate, unverifiable, or unfair negative items on your credit reports. Under the Fair Credit Reporting Act (FCRA), every American has the right to an accurate credit report โ and the right to dispute anything that isn't.
Negative items like collections, late payments, charge-offs, and bankruptcies can significantly impact your credit score โ affecting loan approvals, interest rates, and real financial opportunities. We use your legal rights to challenge those items so your score more accurately reflects who you are today.
Book Free Credit ReviewFederal law protecting your right to an accurate credit report and the right to dispute errors.
We operate fully within Credit Repair Organizations Act guidelines โ transparent, ethical, compliant.
Experian, Equifax & TransUnion disputed simultaneously for comprehensive coverage.
Monthly progress reports so you always have clear visibility into every dispute and update.
Every Negative Item Blocking Your Progress
From minor late payments to major bankruptcies โ we dispute every item that may be inaccurately or unfairly impacting your credit score.
Medical bills, credit card collections, utilities, and old debt sold to collection agencies โ disputed using FCRA Section 609 & 611 strategies.
30, 60, 90, and 120-day late payment notations disputed across all three bureaus โ often challenged through goodwill letters and strategic disputes.
Accounts written off by creditors as uncollectable โ disputed aggressively, especially when sold to third-party collectors with potential inaccuracies.
Vehicle and property repossessions disputed for accuracy, proper notification procedures, and legal compliance at the time of the repossession event.
Mortgage foreclosure notations challenged through procedural disputes, inaccuracy claims, and statute of limitations strategies depending on the state.
Chapter 7 and Chapter 13 bankruptcies disputed through meticulous accuracy verification โ often challengeable earlier than their 7โ10 year reporting window.
Court judgments and tax liens disputed through procedural errors, inaccurate reporting, or post-satisfaction disputes where applicable.
Medical collections are among the most commonly disputed items โ often inaccurately reported and challengeable through HIPAA dispute strategies and bureau rules.
Unauthorized and potentially fraudulent hard inquiries disputed and challenged โ plus strategic guidance on minimizing the impact of future necessary inquiries.
Our 5-Step Credit Repair Process
A clear, proven system that works legally, transparently, and consistently โ every step of the way.
We pull and review your 3-bureau credit reports, identify every negative item, and build a custom dispute strategy tailored specifically to your profile.
We craft detailed, customised dispute letters to all three bureaus and original creditors simultaneously โ targeting inaccuracies with precision and legal backing.
Bureaus have 30 days to respond. We review every response, escalate where disputes are unresolved, and follow up persistently through every available channel.
As disputed items are resolved, your credit score may improve. We monitor every bureau response and send you a detailed monthly progress report throughout the process.
With an improved credit profile, we connect you with our lender network and guide you through funding applications โ helping you pursue the home, car, or business capital you need.
We Dispute With All 3 Credit Bureaus
Simultaneously disputing across Experian, Equifax, and TransUnion for maximum coverage, maximum speed, and the most comprehensive review of your credit profile.
The world's largest credit bureau. Widely used by major mortgage lenders, auto lenders, and credit card companies when making lending decisions.
One of the "Big Three" bureaus. Heavily referenced in employment screening, rental applications, and financial institution lending decisions.
Commonly referenced by auto lenders, credit card issuers, and fintech platforms. Widely used across digital lending and credit monitoring services.
Why Above N Beyond Is the
Right Credit Repair Choice
We operate legally, ethically, and transparently โ every strategy, every dispute, and every client interaction follows federal law and puts your long-term interests first.
We operate exclusively within federal law. Every dispute letter, every strategy, and every client interaction follows FCRA and CROA guidelines with zero exceptions.
We dispute with Experian, Equifax, and TransUnion at the same time โ a more comprehensive and efficient approach than addressing one bureau at a time.
You receive detailed monthly updates showing every item disputed, every bureau response, and a clear picture of where your repair process stands โ no guessing.
You get a real, named account manager who knows your file inside and out. No call centers, no scripted responses โ just knowledgeable, personal support every time.
We're not only credit repair specialists โ we're funding professionals too. Once your profile is improved, we help you pursue the funding opportunities you're now positioned for.
We teach you the credit management habits that help keep your profile strong. Our goal is your long-term financial health โ not just a one-time dispute cycle.
Good Credit Opens Every Door
Improving your credit profile impacts nearly every major financial decision in your life โ here's how a stronger credit score can change your opportunities.
A stronger credit score may qualify you for better mortgage rates โ which can meaningfully reduce your monthly payment and total loan cost over time.
Business loans, credit lines, and SBA funding typically require solid personal credit. An improved profile puts you in a stronger position to pursue the capital your business needs.
A higher credit score may qualify you for a lower auto loan interest rate โ reducing your monthly payment and the total amount you pay over the life of the loan.
Many employers review credit history as part of their hiring process. A cleaner credit report can remove a potential barrier in competitive job markets and career advancement.
Landlords typically review credit before approving rental applications. A stronger credit profile can improve your chances of securing the apartment or home you want.
Better credit typically means lower interest rates on loans, credit cards, and financing offers โ which can add up to significant savings across your financial life.
In many states, credit history is a factor in calculating auto, home, and life insurance premiums. Improving your credit profile may contribute to lower monthly insurance costs.
Financial stress is one of the most common sources of anxiety and personal strain. A clean, well-managed credit profile contributes to genuine financial confidence and stability.
Business Funding
Questions Answered
Clear answers to the most common questions about business funding, approval requirements, and our process.
Most business lenders prefer a personal credit score of 640โ680 or higher. SBA loans typically require 640+, while business credit cards may approve at 680+. If your score is below these thresholds, we repair your credit first โ then submit you to lenders once you're in the approval range.
Once your credit profile is lender-ready and your application is submitted, merchant cash advances can fund in 24 hours. Business lines of credit and unsecured loans typically take 2โ5 business days. SBA loans take 30โ90 days from submission to funding due to government processing requirements.
Not always. Many of the funding products we offer โ including business lines of credit, business credit cards, and unsecured business loans โ require no collateral. Equipment financing uses the equipment as collateral. SBA loans may require business assets as collateral above certain amounts, but many SBA programs are partially unsecured.
Yes โ some funding products are available for startup businesses with 0โ6 months of operation. Business credit cards and certain lines of credit are accessible to new businesses with strong personal credit (680+). For larger loan amounts, we recommend establishing your business for at least 6โ12 months while building your business credit profile, which we help you do from day one.
We work with all industries and business types โ retail, restaurants, construction, healthcare, real estate, e-commerce, service businesses, contractors, trucking, and more. We also work with both established businesses and startups. The key factor is your financial profile and funding goals, not your industry.
The funding eligibility survey and initial consultation are completely free. We get paid through lender referral fees in most cases โ meaning there is no upfront cost to you for our funding placement service. Our credit repair program is separate and has transparent, affordable pricing we discuss during your free consultation.
Ready to Get Your
Business Funded?
Whether you need $5,000 for working capital or $5,000,000 for business expansion โ we have the right funding product, the right lenders, and the proven strategy to get you approved. Take the free funding survey now and find out exactly what you qualify for.