Chai Credit Repair
Credit repair, done the right way.
We go through your credit reports line by line, dispute anything inaccurate, incomplete, or unverifiable on your behalf, and keep you updated every step.
Registered & bonded in CaliforniaNever charged before the work is doneFree consult
Your dispute progress
How we keep you updated, round by round.
- ✓All three reports reviewed
- ✓Questionable items identified
- 3Round 1 disputes sent In progress
- 4Bureau responses ~30 days
- 5Next round, if needed
Illustration only. Every file is different and results aren’t guaranteed.
What we help with
If it’s wrong, it shouldn’t be on your report.
The law gives you the right to challenge information that’s inaccurate, incomplete, or can’t be verified. We handle that work for you.
Late payments reported in error
A payment marked late that you made on time, or the wrong date or amount.
Collections that don’t add up
Debts that aren’t yours, wrong balances, or the same debt listed twice.
Duplicate or mixed-up accounts
The same account reported more than once, or someone else’s account on your file.
Outdated information
Negative items still reporting after the time the law allows.
Inquiries you didn’t authorize
Hard inquiries from applications you never made.
Identity theft errors
Accounts or addresses that came from fraud, not from you.
Accurate, timely negative information can stay on your report for the period the law allows. We’ll tell you honestly what can and can’t be disputed.
What you get
We do the work. You see every step.
From the first review to the last bureau response, your file is handled carefully and documented clearly.
Full three-bureau review
We go through your Equifax, Experian, and TransUnion reports line by line and flag anything inaccurate, incomplete, or unverifiable.
Disputes handled for you
We prepare and send disputes to the credit bureaus and to the companies that reported the information, and track every deadline.
Updates every step
You see what was sent, when, and what came back, plus guidance on rebuilding as your reports change.
How it works
Four steps, no surprises.
1
Free consult
Tell us what’s going on with your credit and what you want to change. We’ll be honest about whether we can help.
2
Contract and review
You get a written contract and your rights before anything starts. Then we review all three of your reports.
3
We dispute for you
We challenge inaccurate, incomplete, or unverifiable items with the bureaus and the companies that reported them.
4
Results and next round
Bureaus generally have 30 days to investigate. We share the results and plan the next round if one is needed.
Our promise
Straight talk. No hype.
Credit repair is full of “guaranteed 100-point boost” promises. Here’s what we promise instead.
- Registered to do this.Registered with the California Attorney General and bonded, as state law requires.
- No guaranteed results.Nobody can promise a score, a removal, or an approval. Anyone who does is a red flag.
- Your information is protected.Documents are collected through a secure process. Never send your SSN or reports over Instagram or email.
Want to understand it first?
Read our free guides.
Plain-English introductions, each linked to its official sources. You can always dispute errors yourself for free.
Understanding your credit report
What each section means and how to spot what’s wrong.
Read the guide → DisputesHow credit reporting errors work
What counts as an error, who to contact, and what a dispute can do.
Read the guide → CollectionsUnderstanding collections
How collections show up on your report and the protections you have.
Read the guide →Questions
Good questions, straight answers.
How much does it cost?
We walk you through pricing on the free consult, and it’s spelled out in your written contract before you sign. You’re never charged before the work is done.
How long does it take?
Credit bureaus generally have 30 days to investigate each dispute. Many files need more than one round. Every situation is different, so we’ll give you a realistic picture on the consult.
Can you remove accurate negative items?
No. Information that’s inaccurate, incomplete, or can’t be verified can be challenged. Accurate, timely information can stay for the period the law allows, and anyone who says otherwise is a red flag.
Can I do this myself?
Yes. You have the right to dispute errors with the credit bureaus yourself, for free. We do the work for you: the review, the disputes, the tracking, and the follow-up.
Can I cancel?
Yes. Federal law gives you three business days after signing to cancel at no charge, and your contract explains how cancellation works after that.
Are results guaranteed?
No. Results depend on what’s on your reports and how the bureaus and creditors respond. We don’t promise any score change, removal, or approval.
Let’s look at your credit together.
Book a free consult. You’ll leave knowing what can be disputed and what to expect, whether you hire us or not.
Book a free consult