Credit Health Repair Plan
For files with real volume — multiple collections, charge-offs or cross-bureau inconsistencies — where disputing three items a month would take years.
Repair is the plan most clients actually need. It keeps the statute-mapped audit and adds the second front most companies skip: letters directly to the original creditors under §1681s-2, which obligates furnishers — not just bureaus — to investigate what they report.
Cross-bureau attacks matter more than people expect. When Experian says an account opened in 2019 and TransUnion says 2021, §1681e(b)'s 'maximum possible accuracy' standard means at least one of them is wrong — and provably wrong items come off.
What’s included — and why each piece matters
Bureau disputes and §1681s-2 creditor letters
Bureaus often 'verify' by asking the furnisher a yes/no question. Challenging the furnisher directly forces the party that actually holds the records to defend them.
Cross-bureau §1681e(b) attacks
Inconsistencies between bureaus are self-proving errors — the strongest class of dispute there is.
Up to 10 items per round
Volume without spray-and-pray: ten targeted disputes a month clears a heavy file in months, not years, while staying specific enough to be credible.
The reviews are in
Meet the people getting their finances back on their terms
Rated 5.0 across 32 reviews on Google. Read all 32 reviews
★★★★★
“This has been by far the best financial team service I have ever received, the team work and eagerness to make sure their customer gets the best is what I really Love about Mckenzie Adam!”
Adanna O.
GOOGLE REVIEW
via Google
★★★★★
“My experience was very good customer service and professionalism. They kept me involved for every step of my process so that was very comforting.”
Kien H.
GOOGLE LOCAL GUIDE
via Google
★★★★★
“McKenzie Adams showed all type of professionalism and they delivered as promised. This team went out of their way to ensure everything went through for me.”
Hussain B.
GOOGLE REVIEW
via Google
★★★★★
“Their professionalism was top notch, very amazing customer service. Will definitely refer clients to you guys.”
Gerald I.
GOOGLE REVIEW
via Google
Frequently asked questions
How is Repair different from Audit?
Audit disputes with the bureaus, up to 3 items a month. Repair disputes with bureaus AND original creditors, attacks cross-bureau inconsistencies, and handles up to 10 items per round — roughly three times the throughput with a second legal lever.
What does the 90-day refund actually promise?
If nothing is removed from any bureau in your first 90 days, you get your money back. It is a no-removal refund, not a score guarantee — no honest company can promise scores.