No, we will audit the report and challenge the missing or unverifiable information about accounts that are negatively impacting the score. Our Credit Advisors are experts in identifying incorrect or missing information. Most Credit repair companies will dispute everything, they will do this because during the investigation process some of the negative information is masked from the score and so you can sometimes see a quick boost in the score. This is a short-term fix to a long-term problem. Our process uses the law to improve your credit in a quick and affordable way.