Hello, World!
Stacks Credit Repair Solutions
We remove what's
holding your credit
back — for good.
Collections, late payments, inquiries, charge-offs — we dispute every negative item across all 3 bureaus using proven FCRA and Metro 2 compliance strategies. One flat fee. No monthly charges.
Real client result
512
Before
→
741
After
Items removed
4 Collections
6 Late Payments
3 Inquiries
Avg. score increase
+127
points per client
One-time fee
$850
no monthly charges
500+
Clients Served
3,200+
Negative Items Removed
127pts
Average Score Increase
What We Remove
Every negative item
we target
We dispute across all 3 bureaus — Equifax, TransUnion, and Experian — simultaneously. Every item below is addressed in your program, depending on what appears on your report.
Collections
Medical bills, repossessions, unpaid accounts, and third-party collections. We use debt validation, FCRA §609/611 disputes, and pay-for-delete negotiations to remove them.
High Impact
Late Payments
30, 60, and 90-day lates on credit cards, auto loans, and mortgages. We send goodwill deletion letters and challenge inaccurate reporting dates under Metro 2 standards.
Common Item
Hard Inquiries
Unauthorized hard pulls from credit card applications, auto dealers, and loan companies. We challenge each one citing FCRA §604 permissible purpose requirements.
Quick Win
Charge-Offs
Accounts written off as uncollectible by original creditors. We dispute the balance, date, and status accuracy — and escalate Metro 2 format violations to force corrections.
High Impact
Repossessions
Voluntary and involuntary vehicle repossessions. We verify the account balance, deficiency amount, and reporting accuracy — and dispute any discrepancies across all bureaus.
Speciality
Reporting Errors
Wrong names, addresses, account numbers, balances, or dates. Also duplicate accounts, mixed files, and Metro 2 format violations that creditors must legally correct.
Legal Lever
How It Works
Your exact repair
process — step by step
01
Free consultation — 30 minutes
We review your full credit profile, identify every disputable item, and map out your personal strategy. You'll know exactly what we can do before you pay anything. Book online — no phone tag.
02
Secure onboarding — 100% online
Sign your service agreement electronically, submit your ID and proof of address through your private client portal, and complete a short intake form. Takes about 10 minutes from your phone.
03
Full 3-bureau analysis
We pull and analyze your Equifax, TransUnion, and Experian reports simultaneously. Every collection, late payment, inquiry, charge-off, and error is flagged and categorized for dispute.
04
Dispute rounds sent — all 3 bureaus
Customized dispute letters go out to all 3 bureaus targeting every negative item. Each letter cites the specific FCRA section or Metro 2 violation relevant to that item. Bureaus have 30–45 days to respond.
05
Results tracked — you stay informed
Every bureau response is logged. Every deletion is recorded. You receive bi-weekly updates through your client portal. We escalate any FCRA violations or reinsertions immediately.
06
Escalation rounds if needed
If items survive round one, we escalate — stronger Metro 2 challenges, creditor direct disputes, goodwill campaigns, and CFPB complaints when bureaus fail to investigate properly.
07
Final report + credit building plan
When we're done, you receive a full before/after comparison, complete deletion log, and a personalized credit-building roadmap to keep your score climbing after the program ends.
One-Time Investment
Complete Credit Repair Program
$850
one-time flat fee — no monthly charges, no hidden fees
Everything included
Full 3-bureau dispute coverage (Equifax, TransUnion, Experian)
Unlimited dispute rounds until results are achieved
Collections removal — all types
Late payment disputes + goodwill letters
Hard inquiry removal (unauthorized pulls)
Charge-off + repossession disputes
Metro 2 compliance strategy
FCRA violation escalation when applicable
Bi-weekly progress updates
Private client portal access (24/7)
Final credit report + deletion log
Personalized credit-building roadmap
Book Your Free Consultation
Already a client? Access your portal here →
Full Program Details
Exactly what's
included in your $850
Dispute coverage — what we challenge
All collection accounts (medical, auto, credit card, utilities)
Late payments — 30, 60, and 90-day marks
Unauthorized hard inquiries from last 2 years
Charge-offs and written-off accounts
Repossessions (voluntary and involuntary)
Incorrect balances, dates, and account statuses
Duplicate accounts and mixed file errors
Outdated negative items past reporting window
Dispute strategies we use
FCRA §609 — request for original documents
FCRA §611 — method of verification demand
FCRA §604 — permissible purpose (inquiries)
Metro 2 compliance violations — format errors
Debt validation letters to collection agencies
Goodwill deletion letters to original creditors
Pay-for-delete negotiations when appropriate
CFPB complaint filing for non-compliant bureaus
What you get — deliverables
Initial 3-bureau analysis report with strategy breakdown
Copies of all dispute letters sent on your behalf
Bi-weekly email progress updates
Real-time tracking in your private client portal
Bureau response logs — every result documented
Final before/after credit comparison report
Complete deletion log (all items removed)
Personalized credit-building plan after program
Timeline — what to expect
Day 1–7: Onboarding, report analysis, strategy set
Week 1–2: Round 1 disputes sent to all 3 bureaus
Day 30–45: First bureau responses + initial deletions
Month 2: Round 2 escalation on remaining items
Month 3–4: Final rounds + creditor direct disputes
Month 4–6: Program completion for most clients
Complex cases (bankruptcies, judgments) may take longer
Bi-weekly updates throughout the entire process
Client Results
Real people.
Real results.
Actual client outcomes. Results vary based on individual credit profiles, bureau responses, and account history.
Marcus T. — Atlanta, GA
741
+183 pts
7 items removed — 3 collections, 2 late payments, 2 inquiries. Qualified for home mortgage 8 months after program completion.
"I went from being denied for a car loan to buying my first home. Stacks changed everything for me."
Keisha W. — Houston, TX
698
+141 pts
5 items removed — 4 medical collections, 1 charge-off. Approved for business credit line within 5 months.
"Professional, fast, and they actually explain everything. I finally understand my credit."
DeShawn M. — Chicago, IL
763
+97 pts
9 items removed — 6 late payments, 3 hard inquiries. Lower interest rates on existing debt saved $400/month.
"Worth every dollar. The bi-weekly updates kept me in the loop the whole time. Highly recommend."
FAQ
Common questions
How many disputes do you send?
There is no cap on disputes. Your $850 covers unlimited dispute rounds across all 3 bureaus for the duration of your program. We dispute every negative item on your report — and if items survive the first round, we escalate with stronger strategies in subsequent rounds. We don't stop until we've exhausted every legal option.
How long does the program take?
Most clients see first results within 30–45 days of the initial dispute round. Full program completion typically takes 4–6 months depending on the number of items, bureau response times, and case complexity. You'll receive a realistic timeline after your free consultation once we review your report.
Is this really a one-time fee? No monthly charges?
Yes — $850, one time, that's it. No monthly subscription, no per-deletion fees, no surprise charges. The program covers you from onboarding through final report. The only additional cost would be if you want to continue with ongoing credit coaching after the program ends, which is optional.
Can you remove accurate negative items?
We focus on items that are inaccurate, unverifiable, or reported in violation of FCRA requirements or Metro 2 standards. Accurate, fully verifiable information that meets all legal reporting requirements cannot be permanently removed — and any company claiming otherwise is misleading you. We operate in full compliance with the Credit Repair Organizations Act (CROA).
What is Metro 2 compliance and why does it matter?
Metro 2 is the industry-standard data format that creditors use to report account information to credit bureaus. When a creditor reports an account with incorrect status codes, wrong date fields, improper balance reporting, or other format violations, that account becomes legally challengeable — regardless of whether the underlying debt is valid. This is an advanced strategy most credit repair companies don't use, and it's one of our most effective tools.
How does the client portal work?
After onboarding you'll have 24/7 access to your private client portal at pulse.scorexer.com. You can log in at any time to see your dispute status, bureau responses, deletions logged, and progress updates. You don't need to call or email us to find out what's happening — it's all there in real time.
What do I need to get started?
A valid government-issued photo ID, proof of address (utility bill or bank statement), and access to your current credit reports. We can walk you through pulling your reports for free during the consultation. Everything is handled online — no need to mail anything or come in person.
Take the first step
Ready to fix your credit
and change your financial life?
Book a free 30-minute consultation. We'll pull up your credit, walk through every negative item, and tell you exactly what we can remove — no pressure, no obligation.
No credit card required · CROA compliant · Results vary by client · Call us: (773) 822-5593
Stacks Credit Repair Solutions is not a law firm and does not provide legal advice. Credit repair results vary based on individual circumstances, bureau responses, and account history. We operate in full compliance with the Credit Repair Organizations Act (CROA) and the Fair Credit Reporting Act (FCRA). You have the right to dispute inaccurate information on your credit report directly with credit reporting agencies at no charge. Individual results shown are not guaranteed and may not be typical.