Consumer Credit, Defended

Your credit report needs a point guard.

87% of credit reports have at least one error. One wrong mark can cost you a loan, a rental, a job, or thousands in extra interest. We manage the court, run the plays, find the inaccuracies, and strategically dispute them.

  • Lower rates on loans & cards
  • Better shot at rentals & approvals
  • Cleaner file for employers & insurers
87%

of credit reports have at least one error

Even when there's no outright error, there are usually inaccuracies between the three bureaus. That's where the disputing comes in.

Two Plays. One Goal.

Pick what fits.

Credit-Improvement Program
$0upfront · free initial case eval

Results first. You won't be billed a dime until our initial work is done. We start reviewing your full credit profile, finding the reporting inaccuracies, and building a custom dispute strategy. This setup phase takes 2 to 7 days. Your $99 monthly membership only starts after that work is complete. If we find no errors, no questionable reporting, and nothing to improve, we tell you straight and you don't pay a penny. We only take on clients we can actually help.

  • $0 upfront. Free initial case evaluation.
  • 2 to 7 days of real work before you're ever billed.
  • No errors? It's free. We only charge clients we can help.
  • $99 a month, starting after the work is done (usually 24 hours to 7 days).
  • Education at each juncture: what's happening legally and why the errors persist.
  • No credit sweep, no claiming ID theft. Done right through the FCRA.
Full Court Press
$2,500/ account

One account, pressed from every angle. This is for when a lawsuit is being threatened. Built around your situation, start to finish. We figure out the right approach together and we're with you the whole way. These cases can last 12 to 36 months, and we're there the whole time. Every step, every motion, every deadline, with the best calls available to run at any given time. Not legal advice — just info and assistance.

  • For when a lawsuit is being threatened.
  • Built around your situation, start to finish.
  • We're with you the whole way. 12 to 36 months if that's what it takes.
  • Every step, every motion, every deadline.
  • 1-on-1 strategy session in your first week.
Book a Consultation

Ready to run the offense on your credit?

Book a consultation to see if we fit your situation.

Important: Point Guard Credit is not a law firm and does not give legal advice or legal representation. No attorney-client relationship is formed by using this website or our services. We don't guarantee any particular outcome, credit-score increase, deletion, or litigation result. Pricing and service scope are proposed and subject to legal and compliance review before we offer or collect any fees. We don't do "credit sweeps" and we don't claim you've been a victim of identity theft. Those are dangerous shortcuts that damage your credit over time and get your accounts red-flagged. Everything we do is built around a specific Fair Credit Reporting Act strategy. Every credit-improvement program also builds a paper trail in the background, in case you need to step up to the Full Court Press later. The Full Court Press is mainly for when you're being threatened with a lawsuit, and we offer information and assistance, not legal advice. The Full Court Press is ideal if you've just been served (within 30 days) or threatened with a lawsuit. The first 30 days after being served is crucial. It's best if you respond within 30 days. If you haven't, we can still help.