Free consultation — no card required

Let's improve your
credit score.

A free, in-depth look at all three bureau reports — and a straight answer about what can actually be challenged.

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No long-term contracts · Cancel anytime

Clean up your past

We work with the credit bureaus and your creditors to challenge negative items that are inaccurate, incomplete, or unverifiable.

Track your present

Your own secure portal, around the clock — live status on every dispute and every report update as it happens.

Change your future

Learn how credit scoring actually works, so you can hold onto the gains long after our work together is finished.

Why this works
1 in 5
consumers had an error on at least one of their three credit reports
FTC, Report to Congress Under Section 319 of the FACT Act (2012)
30 days
the bureaus have to verify a disputed item — or delete it
FCRA § 611(a), 15 U.S.C. § 1681i(a)
$0
to find out where you stand and what is disputable
Our consultation and analysis

How it works

1

Sign up

A free consultation and a full analysis of all three reports.

2

We go to work

We use the law to challenge items that are inaccurate or unverifiable.

3

See progress

Log in any time to watch each dispute move, step by step.

Why I do this
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Our promise

We'll tell you if we can't help

Before you pay anything. If your report has nothing we can legitimately challenge, we will say so.

You can do this yourself, free

Everything we do, you have the legal right to do on your own at no cost. We'll show you how if you'd rather.

Cancel any time

No long-term contract and no exit fee — plus the three-day right to cancel that federal law gives you.

Nobody can legally remove accurate, current information from your credit report.
Anyone who tells you otherwise is selling you something.

Get your free consultation
and credit analysis

Takes two minutes. Costs nothing. No obligation.

Get started now
RU Credit Repair is a d/b/a of RegularUpkeep LLC. You have the right to dispute inaccurate information on your credit report yourself, at no cost, by contacting the credit bureaus directly. We do not remove accurate, current information from any credit report.
Consumer Credit File Rights Under State and Federal Law · 3-Day Right to Cancel · Terms · Privacy · © 2026 RegularUpkeep LLC