Acumen Financial
Referred by Mady S
Free consultation
The only thing between you and approved is a number.
A car, a house, an apartment, a business loan. It all comes down to what sits on your credit report, and a lot of what sits there does not belong there. We find it, dispute it, and get it off.
Takes about 2 minutes. No credit card, no obligation.
Typical client profile
Starting
543
After
670
Illustrative of a common client profile. Individual results vary.
01How it works
Three steps. We do the hard part.
Free consultation
We pull your report apart with you and tell you exactly what is dragging your score down. No sales pitch, just the diagnosis and a straight answer on how long it would take.
We dispute everything
Round after round of challenges to all three bureaus on the items that should not be there. Collections, charge offs, late payments, errors. You do nothing but forward the mail.
You get approved
Items come off, the score moves, and the thing you were told no for becomes a yes. We send you a progress report every month so you always know where you are.
20,000+
Clients served
+127
Average score increase
$3.2M+
Funding placed for clients
02Pricing
Two ways in. Pick the pace.
Both are one time payments, not a subscription that bills you forever. The consultation is free either way, so you will know the exact number before you decide anything.
Standard
6–9 months
Full 6-round dispute program with coaching.
- 6 rounds of dispute letters sent to all 3 bureaus
- Each round targets all negative items on your profile
- 40–45 day turnaround per dispute round
- Credit coaching included throughout the program
- Monthly progress reports with score tracking
- One-time payment
Express
3–5 months
The fastest path. Every negative item disputed at once.
- All negative items disputed simultaneously across all bureaus
- Fastest path to results, 3 to 5 months typical
- Aggressive dispute strategy for maximum impact
- Full credit coaching included
- Priority handling by your dedicated credit specialist
- One-time payment
03Straight answers
What people ask before they start.
How long does this actually take?
Most people land between three and nine months depending on what is on the report and which program they are in. The consultation gives you a real estimate for your situation instead of a guess.
Will disputing hurt my score?
No. Disputing an item does not lower your score. What lowers it is applying at a pile of lenders while your score is still low, which is exactly what we are trying to stop you from doing.
I tried a credit repair company before and nothing happened.
A lot of them fire off generic disputes and then go quiet. You get an assigned specialist, a documented round schedule, and a progress report every month so you can see what moved.
Do I have to pay it all upfront?
No. Payment plans are available and the consultation is free, so you can find out the actual number for your report before you commit to anything.
Is this legal?
Completely. You have the right under federal law to dispute anything on your report that is inaccurate, unverifiable, or outdated. We are doing what you are legally entitled to do, properly and on schedule.
What do you actually need from me?
Your report access and any mail the bureaus send you. That is the whole job on your end. We handle the letters, the timing, and the follow up.
Free consultation
Find out what is actually on your report.
Fill this in and Mady gets it directly. Someone reaches out within 24 hours to walk you through what is on there and what it would take to clear it.
- No credit card to book
- No obligation to enroll
- Your info is never sold
Also handled by Acumen Financial