Credit Repair Services
We dispute inaccurate, outdated, and unverifiable items across all three credit bureaus — backed by federal law, handled with full transparency.
What We Do
The Fair Credit Reporting Act gives you the legal right to accurate credit reporting. We enforce that right on your behalf — across Equifax, Experian, and TransUnion.
We pull all three credit reports and map every negative item — late payments, collections, charge-offs, judgments, and errors — so nothing is missed.
Every dispute we file is grounded in the Fair Credit Reporting Act. Bureaus are legally required to investigate and remove items they cannot verify.
Where disputes aren't enough, we negotiate directly with creditors for pay-for-delete agreements and goodwill removals on your behalf.
Alongside dispute work, we build your score from the ground up — optimizing utilization, credit mix, and payment history for maximum impact.
Mixed files, identity theft tradelines, and bureau errors are more common than you think. We identify and remove items that were never yours.
You see everything. Monthly bureau updates, dispute status, score tracking, and next steps — full transparency from day one to completion.
Every Client Gets
No tiered packages, no surprise fees. Every Clear Tides client gets the full program.
Free 3-bureau credit audit
Unlimited dispute rounds
Equifax, Experian & TransUnion coverage
Creditor & collector negotiation
Monthly progress reports
Score optimization coaching
CROA-compliant process
Dedicated account support
The Process
From your first call to your last bureau update, you know exactly what's happening and why at every stage.
We pull all 3 bureaus and map every negative item and opportunity affecting your score.
We build your personalized roadmap — which items to dispute, in what order, and how.
Active disputes filed on your behalf across all three bureaus with full tracking.
Monthly updates, check-ins, and coaching until you hit every financial milestone.
"After my divorce I was at 511. Clear Tides got me to 698 in 4 months and I got approved for my first apartment in years. I finally feel like I can breathe again."
Darnell M. — Verified Client
Common Questions
The questions we hear most — answered plainly.
How long does credit repair take?
Most clients see meaningful score improvements within 30–60 days of their first dispute round. Full results typically take 3–6 months depending on the number and severity of negative items. We give you honest timelines from the start — no inflated promises.
Can you really remove negative items from my credit report?
Yes — when those items are inaccurate, outdated, or unverifiable. The Fair Credit Reporting Act legally requires bureaus to investigate and remove any item they cannot verify. We identify those items and file disputes correctly so bureaus are held to their legal obligation.
What kinds of negative items can be removed?
Late payments, collections, charge-offs, repossessions, medical debt, student loan delinquencies, bankruptcies, judgments, and identity theft tradelines. Each situation is different — your free audit tells you exactly what's removable on your report.
Is credit repair legal?
Absolutely. Credit repair is fully legal and governed by the Credit Repair Organizations Act (CROA). Every dispute we file is based on your federal rights under the FCRA. We operate in full compliance with both laws — no shortcuts, no loopholes.
Can I repair my own credit without a company?
Technically yes — but most people don't know which items are legally disputable, how to write effective dispute letters, or how to escalate when bureaus stall. We handle all of that, and we do it every day. Most clients see better results faster working with us than attempting it alone.
Do you work in all 50 states?
Yes. Clear Tides Capital serves clients nationwide across all 50 states. Our process is fully remote and digital — consultations, documents, and updates all handled online so you never need to come in anywhere.
Book your free credit audit and find out exactly what's on your report, what can be removed, and what your score could look like in 90 days.
Book My Free Credit Audit