We won't argue with your past, but we will defend your future.
Dignity Credit Solutions challenges inaccurate, unverified, incomplete, or unlawfully reported credit items by holding credit bureaus to the standards required under federal law on an ongoing basis.
OUR APPROACH
Your past isn’t on trial. The credit bureaus are.
Credit bureaus are private corporations, not courts or government agencies. They operate at a national scale, reporting financial data for hundreds of millions of Americans. When they report information about you, federal law requires that it be accurate, verifiable, complete, and properly investigated when challenged. Congress understood that in a system built to deliver instant credit data at this volume, errors would be inevitable. That is why the law requires correction when harm occurs.
Most consumers never learn this. They assume their credit report is a permanent reflection of past events, rather than a regulated record that must be updated monthly and meet specific legal reporting standards.
At Dignity Credit Solutions, we focus on whether those standards are being met. Not on what happened, but on whether it has been reported lawfully. We then use that information to challenge the credit bureaus to enforce compliance and restore lawful reporting.
OUR PROCESS
The fine print gets the final say.
We don’t spray and pray.
We don’t send generic letters and hope something sticks. We take a careful, line-by-line look at each item on your credit report and determine what can actually be challenged under the law. Even when information appears accurate, it may still fail to meet federal reporting and investigation standards due to how it is coded, updated, verified, or carried forward over time.
01
Education
We help you understand your rights under the Fair Credit Reporting Act and how to enforce them correctly. While consumers can dispute items on their own, the law is highly specific about how disputes must be submitted and handled. At Dignity, you’ll have full transparency into the process, with a professional team ensuring every step meets legal standards before any action is taken.
02
Review
We review your reports from all three credit bureaus to identify inaccuracies, inconsistencies, or items that cannot be legally verified. We then walk you through our findings so you understand what can be challenged, why it qualifies, and what the next steps are.
03
Action
When disputes are appropriate, we formally initiate the challenge process in accordance with federal law.
Credit bureaus are required to respond within a defined timeframe. Because they control the data and the systems behind it, the law places the burden of verification on them once a dispute is raised. We track every step to ensure nothing is missed and legal standards are met.
04
Resolution
If a credit bureau cannot verify an item through a reasonable investigation, it must be removed.
If it fails to meet legal standards, the matter may be referred to independent partner attorneys at no cost to you.
Respectful with clients.
Relentless on compliance.
Your claim remains yours
We act on your behalf through limited authorization, while all rights to the claim and legal remedies remain with you. Nothing in our process requires you to waive consumer protections.
Handled Individually. Always.
We don’t batch files or rely on volume tactics. Each case is prepared with documentation and care because the outcome matters.
Clarity is never rushed.
We don’t manufacture urgency or pressure decisions. Understanding comes first. Action follows.
WHAT HAPPENS AND WHEN
The law sets the clock;
We set the pace.
We review your reports, explain your rights, and determine what can be challenged lawfully before anything is submitted.
Preparation:
Up to 2 weeks
Once disputes are received, credit bureaus are legally required to investigate and respond within a defined timeframe.
Bureau Investigation:
Up to 30 days
Items are deleted, or attorney referral escalation (at no cost to you) is initiated.
Resolution:
Up to 30 days
YOUR INVESTMENT
Dignity includes transparency.
We price our work based on the legal effort required, not on promises or outcomes.
$1500 all-in
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$500 per bureau
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No per-item fees
This reflects the time, documentation, legal review, and compliance work required to properly prepare and pursue each challenge under federal law.
flex-pay
$250/month for 6 months
Because our mission is to make lawful credit advocacy accessible, we offer a six-month payment plan for those who need it. Regardless of which payment option you choose, you receive the same full service, attention, and commitment.
“For me, the most standout aspect was the education. They explained things so clearly that there was zero room left for doubt.”
“We approached Dignity as a result of a complicated divorce. They are so true to their name. Every step of the way, so dignified.”
“It’s like they were scared to promise anything. And then we were pleasantly surprised when so many items were removed from our credit reports.”
“It’s like they were scared to promise anything. And then we were pleasantly surprised when so many items were removed from our credit reports.”
Moshe Y.
