Vanguard Credit Solutions uses federal consumer protection law to challenge charge-offs, collections, late payments, and identity theft items on your credit report. Based in Beverly Hills, CA. Serving all of California.
Every month with inaccurate or unverifiable items on your report is another month paying higher rates, getting denied, and losing ground.
A single collection account or late payment can cost you thousands in higher interest or a flat denial. You deserve to know if that item is even legally verifiable.
Creditors often re-age debts or report inaccurate balances. Under the FCRA, anything reported inaccurately must be corrected or removed. We hold them to that standard.
Fraudulent accounts can be blocked under Section 605B of the FCRA. We file the paperwork, submit proof, and demand removal. Not a request. A legal obligation.
A 100-point score increase can drop your auto rate by 4 to 6 points. On a $30,000 loan that is thousands of dollars back in your pocket. Your credit score is a financial asset. Protect it.
Generic letters get generic responses. We go deeper: method of verification requests, CFPB complaints, furnisher letters, and legal escalation when necessary.
Buying a home, starting a business, or qualifying for an apartment all require strong credit. The sooner you act, the sooner your options open back up.
Every plan is backed by FCRA law. No fluff, no empty promises. Real dispute strategy with documented follow-through at every step.
Not ready for a monthly plan? Start here. We analyze all 3 bureaus, identify every disputable item, and deliver a written dispute roadmap you can act on. No subscription required.
Three clear steps. No guesswork. Every action is documented and tracked.
We review your credit reports from all three bureaus and identify every inaccurate, unverifiable, or legally disputable item. You get a clear picture of what can be challenged and how.
Our team prepares FCRA-compliant dispute letters, CFPB complaint filings, furnisher correspondence, and 605B identity theft blocks tailored specifically to your credit file.
We monitor bureau responses, follow up on every item, escalate non-responsive furnishers to the CFPB, and keep you updated at every step. We do not stop until we have results.
Results vary based on individual credit history and dispute outcomes. These are representative client experiences.
“I had three collections from 2019 that no one could verify. Vanguard sent the right letters to the right people and all three were removed within 45 days. I went from 589 to 671. I finally got approved for an apartment.”
“I had a fraudulent credit card on my report I never opened. Justin walked me through the 605B process step by step. The item was blocked and removed. I did not have to go to court or hire an attorney.”
“Three months on the Aggressive plan. Seven items removed across all three bureaus. Score went from 612 to 714. I got approved for a car loan at 5.9 percent instead of 18. This paid for itself ten times over.”
Vanguard Credit Solutions is a credit services organization operating in compliance with the Credit Repair Organizations Act (CROA) and the Fair Credit Reporting Act (FCRA). We do not guarantee specific score increases or item removals. Results vary based on individual credit history, bureau response times, and furnisher compliance. You have the right to dispute information directly with the credit bureaus at no charge.
Call us or request a callback. We will review your situation, explain exactly what we can dispute, and let you decide if we are the right fit for you.