We don't just dispute errors. We build a case.
Most credit repair stops at sending a few generic letters and hoping something falls off. CreditBully goes further by identifying specific violations, gathering documents, building a paper trail, and escalating when banks and bureaus fail to follow the law.
1. Deep credit report review
We pull and read your reports with a litigator's eye — looking for inconsistencies, duplicates, re-aged accounts, and anything that doesn't line up with your history.
2. Match issues to violations
Using the Fair Credit Reporting Act and related laws, we map each problem to potential violations like inaccurate balances, outdated reporting, or mixed files.
3. Gather and organize your evidence
We'll ask for specific documents — settlement letters, statements, ID theft reports, bankruptcy papers — and organize them into a clean, chronological story.
4. Targeted disputes and escalations
We send focused, well-documented disputes to each bureau and creditor, then track responses, deadlines, and inconsistencies.
5. Legal partner escalation when appropriate
When reporting crosses the line into clear FCRA violations, we coordinate with consumer-rights attorneys who can pursue further action where you may be entitled to damages.
6. Ongoing monitoring and coaching
We help you build habits and structures that keep your report clean, your utilization healthy, and your future approvals smoother.