Led by a licensed mortgage originator
Find out exactly what's standing between your credit and an approval.
Most credit repair companies dispute everything and hope something sticks. We read your reports the way a lender reads them, then work only the information that actually affects your file.
- $0 upfront for credit services
- No long-term contract
- Not a dispute mill
Free credit check
Step 1 of 6Credit repair, done deliberately
Every point you gain comes from something we can prove.
We analyze your credit reports for inaccurate, inconsistent, duplicate, and potentially unverifiable negative information. When there's a legitimate basis, we challenge that reporting and require the credit bureaus and furnishers to investigate. Even information you recognize as yours may warrant review if it cannot be properly verified or is being reported inaccurately or incompletely.
We also help you optimize the factors within your control—like credit utilization and account management—to build a stronger overall credit profile. No gimmicks. No guaranteed deletions or score jumps. Just a personalized strategy built around your credit, your evidence, and your goals.
We work those items one round at a time and show you what changed after each round, so you can see which lane your file is moving into.
See what's on your fileHow we track progress
What your round-by-round reporting looks like
A sample of the reporting format, not a client outcome or a projection. Your file will show its own numbers, and some files move less than this one — no result is guaranteed.
Why this feels so confusing
"Come back when your credit is better" is not a plan.
First, the part nobody says out loud: a low score is not a verdict on your character. Almost every file we open has a job loss, a medical bill, a divorce, a co-signed account gone wrong, or a company that reported something incorrectly and never fixed it. You do not have to explain or apologize for any of it to us. We've read hundreds of these, and nothing on yours will surprise us.
What's actually unfair is how little you're told. You pull a score from an app. You see a number. You have no idea which of the forty-odd lines on your report is holding you back, which ones an underwriter even looks at, or which ones would be a waste of your time to fight.
So you either do nothing for six months, or you pay someone to blast disputes at everything and hope.
There's a better starting point: have someone read all three reports carefully, tell you in plain language what's actually there, and separate the items worth challenging from the ones that aren't.
What you actually receive
Your Credit Blueprint
Before any dispute goes out, you get a written breakdown of your file. Not a score screenshot — a document you can keep and hand to your loan officer.
Every account, explained
A line-by-line walkthrough of what each of the three bureaus is reporting, in language you don't need a finance background to follow.
Where the reports disagree
Accounts reported three different ways across TransUnion, Equifax, and Experian. Inconsistencies between bureaus are often the most productive place to start.
What we're challenging, and why
The specific items that appear inaccurate, incomplete, outdated, or unverifiable, with the reason each one is on the list.
What we're leaving alone
Just as important. Accurate, verifiable information stays. We'll tell you which items those are so you're not paying us to chase them.
Pages from a real Blueprint, redacted
Real client pages with identifying information removed. Every file is different — yours will not contain these accounts or these numbers.
Our process
Four steps. No mystery.
Free credit review
Share your report access and we'll read all three bureaus. You get your Blueprint and a conversation about what's in it. No service fee at this stage.
You decide whether to enroll
You receive the complete written service agreement, the federally required disclosure of your consumer credit file rights, and your cancellation notice before you agree to anything.
We go to work
We prepare and send dispute correspondence on the items identified, track responses, and follow up on incomplete or non-compliant replies.
Progress report every round
What changed, what didn't, what the bureaus said, and what we're doing next. In writing, every round.
Timelines vary. Bureaus and furnishers generally have 30 days to respond to a dispute, and outcomes depend on your individual file, the documentation available, and how each furnisher responds.
Straight answers
Here's what we won't tell you.
This industry has a reputation, and it's earned. So before you spend a dollar, here's what no legitimate credit repair company can honestly promise, including us.
- We can't guarantee mortgage approval. Credit is one input. Income, employment history, debt-to-income, assets, down payment, and the property itself all factor into an underwriting decision.
- We can't promise a timeline. Some items resolve in one round. Some take several. Some don't resolve at all — and accurate, verifiable information stays on your report until it ages off.
- And you can do this yourself. You have the right to dispute inaccurate information directly with the credit bureaus at no cost. Some people do, successfully. People hire us when they want someone who reads these files every day to handle it, and to tell them what's worth pursuing.
Here's what we will do.
Read all three of your reports line by line and tell you in writing what's on them. Challenge every item we can document a reason to challenge, and tell you plainly which ones we won't touch and why. Send you a written accounting after every round — what changed, what the bureaus said, what happens next. And charge you nothing until a round actually goes out.
Who you're working with
Mike Fapounda
Founder, First Lane Credit | Licensed mortgage loan originator, NMLS #2530213
As a mortgage professional, I sit across from people every week who are ready to buy a home and have no idea what's standing in the way. They've been told to "work on your credit" — never what that means, which items matter, or where to start.
First Lane Credit exists to fill in that blank. A structured review of all three reports, recommendations built around your specific file, professional support through every round, and a clear line drawn between the credit work and the approval you're aiming for.
The work runs on patience, education, and transparency — and on one conviction I've never seen proven wrong: what happened to your credit in the past does not have to decide what you're able to do next.
Since I'm also a loan officer, you should know how that works.
I only write the mortgage for a credit client if they ask me to. I don't pitch it, and enrolling here is never a condition of getting a loan from me — or from anyone. If you already have a loan officer you trust, good. I'll send your Blueprint straight to them and stay out of the way.
Client experiences
In their words.
"My lender told me my credit needed work before approval. They knew exactly what needed attention and what didn't."
Verified client, Houston, Texas | Written consent on file"They took the time to explain my report clearly and walked me through it step by step. I always knew what was happening."
Verified client, Dallas, Texas | Written consent on file"I finally understood what was on my file instead of guessing at a number in an app."
Verified client, Phoenix, Arizona | Written consent on fileIndividual results vary. These testimonials reflect the personal experience of the client featured and are not a promise or estimate of what any other client will experience. No specific credit-score change, account deletion, financing approval, or interest rate is guaranteed.
Simple monthly pricing
One monthly price, and a round of disputes goes out every month.
Individual plan
For one person
- Full tri-bureau report review and written Credit Blueprint
- A round of dispute correspondence prepared and sent every billed month
- Written progress report every cycle
- Secure client portal, 24/7
- Direct access to your file reviewer
- Cancel anytime
Couple's plan
For two adults in the same household
- Everything in the individual plan, for both of you
- Combined mortgage-readiness picture
- Where you stand as joint applicants
- A personalized action plan for each person
- Saves $39 a month versus enrolling separately
- Cancel anytime
Most files run four to six billed months — so $396 to $594 individually, $636 to $954 for a couple. We'd rather you see that number now than discover it four months in.
You're never locked into it. Every billed month corresponds to a round actually sent, you're never charged for a month with no round out, and plenty of files finish sooner. If your report is clean after month two, you've paid for two months and we're done.
Already know you want to start? Start enrollment — nothing is charged until your first round of disputes goes out.
One cost that isn't ours: reviewing your file needs a credit monitoring subscription, billed by that provider and not included in your service fee. See your options.
No enrollment fee. No setup fee. No minimum term. Your First Lane Credit service fee is billed monthly, and every billed month corresponds to a round of disputes actually sent on your behalf — never for a month with no round sent. Nothing is charged to sign up, and the review that produces your Credit Blueprint carries no service fee.
One practical requirement
We need ongoing access to your reports.
To review your file each month and track what changes, we need current report data from all three bureaus. There are a few ways to provide it.
- Credit Hero Score — the monitoring service we work with most often. $1 for the first 7 days, then $19.95 a month, billed directly by the provider. It renews automatically until you cancel with them.
- Another monitoring service that provides tri-bureau report access in a compatible format.
- Your own reports, provided to us directly, including your free annual reports from annualcreditreport.com or a tri-merge from your lender.
However you provide access, it goes in your secure client portal — never by email. We don't ask for monitoring logins or documents over email, and you shouldn't send them that way to anyone.
Questions
Before you start.
Where do you work?
We serve clients in every state except Georgia. Everything is handled remotely through your secure client portal, email, and phone.
When am I charged?
Monthly, and every billed month corresponds to a round of disputes actually sent out on your behalf. You approve the plan first, we file, and that month's charge follows. Signing up costs nothing, and the review that produces your Credit Blueprint carries no First Lane Credit service fee. Cancel anytime and you are never billed for a month with no round sent.
How long does this take?
It depends on your file. Bureaus and furnishers generally have 30 days to respond to a dispute. Some items resolve on the first pass, others take multiple cycles, and some don't resolve. You'll get a written update every round either way, so you're never waiting in the dark.
Do I have to be buying a house?
No. Our approach is built around mortgage readiness because that's the background we come from, but the same review helps with auto financing, rentals, insurance pricing, and credit approvals generally.
Can't I just dispute things myself?
Yes, and it costs nothing to do it. You have that right under federal law. People hire us when they want someone who works in these files daily to identify what's worth challenging and handle the follow-up.
What if I want to stop?
Cancel any time. No minimum term, no cancellation fee, and you're never billed for a month after you cancel. You'll also receive a written notice of your federal three-day right to cancel with your service agreement.
Start with a clear picture of your file.
A full review of all three bureau reports and a written Credit Blueprint explaining what's there. No First Lane Credit service fee to get it.
Take the 60-second checkOr call (281) 377-0075, Monday to Friday, 9am to 6pm Central
Individual results vary. No specific credit-score increase, account deletion, financing approval, or interest rate is guaranteed. First Lane Credit is not a law firm and does not provide legal advice. Services are not available to residents of Georgia.