Let's improve your
credit score
You will get:
What you will get!
Clean up your past
We work with the credit bureaus and your creditors to challenge the negative report items that affect your credit score.
Track your present
Easy access to your account 24/7 for live status updates on improvements on your credit reports and scores.
Change your future
We’ll maximize your score so you can achieve your goals and learn how to maintain your awesome credit long after our work is done.
How it works
Signup
We'll give you a free consultation and
credit analysis
Relax
While we use the law to challenge
negative items on your report
See Results
Log in to see real time progress every
step of the way
Challenging vs. Disputing: The Gold Credit Financial Approach
Since 2016, Gold Credit Financial LLC has evolved from using traditional 609 dispute letters to a more effective method—Metro 2 Compliance letters, based on the credit bureaus' own reporting standards.
Why Challenging Beats Disputing:
Disputing focuses on questioning the accuracy of negative items, often highlighting them for easy verification by credit bureaus. This outdated method is predictable and easily dismissed, especially with widely used 609 letters.
In contrast, challenging targets the certification of reportability using our proprietary 5 Points of Compliance (M2FPOC). This method forces credit bureaus to prove that accounts meet strict legal standards of accuracy, completeness, and compliance. If they can't, they must correct or remove the item—by law.
The Power of Metro 2 Compliance:
We leverage the same process credit bureaus use internally (via the e-OSCAR system), compelling them to validate every detail. Unlike disputes, which can be closed after a single review, our challenges can be repeated, creating pressure they prefer to avoid. It’s like being a persistent gnat—they’d rather remove the item than deal with the hassle.
Proven Results:
Our strategy has helped clients remove dozens of negative items, often succeeding where traditional disputes failed, leading to significant credit score improvements.
In Summary:
We don’t dispute the reality of accounts. We challenge the credit bureaus’ ability to certify them—ensuring every item on your report is legally compliant or removed.