Yes. If accounts were opened without your permission, we dispute them and work to get them removed. If you have a police report or identity theft affidavit, even better — it speeds things up.
Most people see changes in 30–90 days. Full results may take longer. It depends on your situation, but we start working right away. This isn't an overnight fix. It’s a process.
No one can remove everything, but if something is inaccurate or can’t be verified, it has to go. That’s where we come in. We challenge the items and make the bureaus prove them.
We challenge items using federal law. The credit bureaus have 30 days to prove the info is accurate. If they can’t, they must fix it. Simple.
Yes. But most people don’t have the time, patience, or knowledge to do it right. We know the laws and what works. That’s why people hire us.
Not always. It depends on what’s left on your report. But every negative item removed is a step in the right direction.
100% legal. The law gives you the right to challenge anything that’s inaccurate, outdated, or unverifiable. We just know how to use the law effectively.
Not necessarily. The damage was already done. Paying it may help with future approvals, but we’ll help you decide what’s worth paying and what we can challenge.
Yes. We help you build business credit that doesn’t rely on your personal credit. Whether you’re starting out or scaling up, we help you do it the right way.
Then we escalate. We ask for proof, file complaints if needed, and keep pushing. We don’t stop at the first “no.”
You can, but we recommend waiting until disputes are done. New applications can trigger alerts or slow things down.
Yes — Experian, Equifax, and TransUnion. We also go directly to creditors and collectors if needed.
You get access to your own client portal. It shows all disputes, updates, and changes in real time. We also send you regular updates. You're never in the dark.
All work stops. No disputes, no follow-ups. Consistency matters — if you stop, your progress stalls.
We guarantee hard work, honesty, and legal compliance. We can’t promise results (no one can), but we’ll give it everything we’ve got.
It’s a process. Most reports need multiple rounds. We stay with you and adjust strategy as we go.
First Lane Credit provides professional credit analysis, education, and dispute assistance services designed to help clients address inaccurate, outdated, or unverifiable information on their credit reports. We also provide guidance on responsible credit building strategies to support long-term financial stability and progress toward your financial goals.

© 2026 First Lane Credit