Collections & charge-offs
Dispute collection accounts and charge-offs that are inaccurate, duplicated, past the reporting limit, or can't be verified by the collector. Learn more →
Raven Credit Solutions disputes inaccurate, outdated, and unverifiable items on your reports, then guides you through the habits that keep your score climbing. Fully online and automated, with transparent pricing and no guesswork.
No Raven Credit Solutions fee to sign up. A CreditHero Score membership is required to pull your reports and is billed separately.
Every plan starts with your actual three-bureau data. We challenge what's wrong, explain what's right, and show you what moves your score next. Raven Credit Solutions provides credit repair services; three-bureau credit monitoring is provided separately by CreditHero Score.
Dispute collection accounts and charge-offs that are inaccurate, duplicated, past the reporting limit, or can't be verified by the collector. Learn more →
Challenge late payments reported in error, with wrong dates, or inconsistently across Equifax, Experian, and TransUnion. Learn more →
Review medical collections for errors and for items that bureaus no longer report, such as paid medical debt and balances under $500. Learn more →
Identify and dispute hard inquiries you never authorized, so only the applications you actually made count against you.
Dispute and request blocking of fraudulent accounts, and separate another person's data from your file, using your FTC identity theft report.
Make sure bankruptcies, repossessions, and included accounts report with the correct status, dates, and zero balances.
An automated monthly plan for utilization, payment history, secured cards, and credit-builder accounts so your gains last.
Working toward a home or car? We help you work toward the score range your lender looks for and pace the plan to your timeline. No specific score is guaranteed. Learn more →
Raven Credit Solutions LLC is a USA-based company. Alongside automated disputes, every client gets ongoing three-bureau credit monitoring through CreditHero Score, so you see changes to your Equifax, Experian, and TransUnion reports as they happen and we can track results round by round. Sign-up, documents, and dispute updates are all managed online through your secure client portal, with no calls or appointments. Services are available where permitted by state law; you'll confirm availability for your state when you sign up.
Every client gets the same four-step process and a dashboard showing exactly what we've disputed and what came back. See the full process →
Create your account and pull your own three-bureau report through CreditHero Score (no impact on your score). Our system flags items that may be inaccurate, incomplete, or unverifiable for you to review.
You get an automated written plan: which items to dispute, which to negotiate, and which habits matter most.
After you review and approve each item, we send documented disputes to the bureaus and track every response. We only dispute information you believe is inaccurate, incomplete, or unverifiable.
A monthly plan for utilization, payment history, and new credit so gains stick.
When you become a client, you'll use two secure tools. Here's what each one is, when you'll see it, and what it asks for, so nothing catches you off guard.
Your private, encrypted portal for your agreement, documents, dispute progress, and secure messages with Raven Credit Solutions.
The credit monitoring service that gives you, and us, your reports and scores from Equifax, Experian, and TransUnion. It connects directly to our client system so your items import accurately.
A credit or debit card is required to start. CreditHero Score bills this directly; it isn't a Raven Credit Solutions fee. Cancel anytime online or at (888) 316-7758. Pricing is set by CreditHero Score and may change; see creditheroscore.com for current terms.
Move the sliders to match your situation. We'll show an educational estimate of how accurate reporting and better habits could affect your score. It isn't a prediction or a promise.
Balances divided by total limits. The estimate treats 30% as a typical starting point: slide lower to see your score rise, higher to see it fall. Scores are strongest at 1–9%.
Each new credit application adds a hard inquiry. The estimate treats 2 as typical: more inquiries lower your score (roughly 5–10 points each at first), fewer raise it slightly. They stop counting after 12 months.
Educational estimate only, based on general scoring factors. Results vary; Raven Credit Solutions can't guarantee any specific score change or removal of accurate information.
Yes. The Fair Credit Reporting Act gives you the right to dispute inaccurate or unverifiable information. Raven Credit Solutions operates under the federal Credit Repair Organizations Act (CROA) and applicable state laws, which means a written contract, a 3-day cancellation right, and no fees before services are performed.
No. You order your own reports through CreditHero Score, and checking your own credit is never a hard inquiry, so it doesn't affect your score.
Bureaus generally respond to disputes within about 30 days. How long it takes, and whether any items change, depends on what's on your report and how bureaus and creditors respond. Many dispute plans run several months.
No one can legally remove accurate, timely information. We focus on errors, outdated items, and unverifiable accounts, and show you the factors you control.
Disputes are built from your actual bureau data. CreditHero Score gives you, and us, all three reports and scores in one place, and it connects directly to our client system so your items import accurately and we can track changes after every dispute round. Its $1 seven-day trial and monthly membership are billed by CreditHero Score, separately from Raven Credit Solutions, and you can cancel it at any time.
Use the Client Login button at the top of this page, or go to secureclientaccess.com. You can also download the free Secure Client Access app for iPhone or Android and sign in with the same email and password.
It's free to start. Creating your account and getting your automated credit analysis cost nothing. Before we take any action on your behalf, you'll receive a written contract with our pricing, the services we'll perform, and an estimated timeline, plus a written notice of your rights under federal law. Under the federal Credit Repair Organizations Act (CROA) and applicable state laws, we can't charge you for any service before it has been fully performed. A CreditHero Score membership is required to pull your reports ($1 for a 7-day trial, then $27.99 per month) and is billed separately by CreditHero Score.
We challenge collections that are inaccurate, outdated, duplicated, or that the collector can't verify. Under the FCRA, if a credit bureau can't verify a disputed item, it must correct or delete it. Accurate, verifiable collections can't legally be removed, but we can help you understand options like pay-for-delete requests and goodwill letters, and how medical debt rules may apply.
Often, yes. Correcting reporting errors and lowering card utilization are two of the fastest ways to move your score into a better lending tier. We build a mortgage- or auto-ready plan around your timeline and the score range your lender needs.
Raven Credit Solutions LLC is a USA-based company, and services are offered where state law permits. Equifax, Experian, and TransUnion are national bureaus, so disputes work the same wherever you live. You'll confirm availability for your state when you sign up. Everything happens online through your secure client portal, so there are no calls or appointments needed.
Sign up in about a minute. Everything is online: you'll get your Secure Client Access login by email, and you can track every step from your portal.
Free to start with Raven Credit Solutions. A CreditHero Score membership ($1 for 7 days, then $27.99/month, billed by CreditHero Score) is required to pull your reports.