What Solvera Credit actually does to your file
No package tiers designed to confuse you. Every client gets the same three things, applied to whatever their report actually needs.
Inaccuracy disputes
We review your report for items that are incorrect, outdated, unverifiable, or reported by a source that can't substantiate them, and file written disputes to challenge each one.
- Late payments reported in error
- Accounts that aren't yours (mixed files)
- Balances or statuses that don't match your records
- Items past the legal reporting window
Bureau correspondence
Disputes trigger a legal re-investigation clock. We track every deadline internally, move fast on responses, and escalate anything that comes back incomplete or unanswered — without waiting for a monthly cycle.
- Deadline tracking on every open item
- Follow-up letters when responses are incomplete
- Fast escalation, not batched processing
Credit-building guidance
Disputes only address what's inaccurate. Alongside that work, we walk you through habits that genuinely affect your file over time — plainly, without upselling extra products.
- Utilization and payment-history basics
- What actually helps vs. common myths
- Questions to ask before opening new credit
A short, honest list
We don't remove accurate information
If an item is accurate, current, and verifiable, federal law doesn't allow us — or anyone — to have it deleted. We'll tell you plainly when that's the case.
We don't promise a timeline we can't control
Bureaus and furnishers set their own response windows. We give you realistic expectations, not marketing deadlines.
No fixed pricing, no fee upfront
We price each case after reviewing your file — not from a set package. See our disclosures page for how pricing and billing work under New York law. Billing questions go to billing@solveracredit.com.
Not sure which of this applies to you?
That's what the free review is for. We'll look at your actual report before recommending anything.
Request my free review