500DC is a team of business and financial consulting professionals who have spent the past 10 years mastering the credit dispute process and have developed an impeccable, legal, effective method for resolving all types of credit issues in an impressive amount of time.  No one does it like us- YES we are real. 

Our process is Consumer Law. Our approach is leveraging consumer reporting and collection practice law violations to get quick removals. We submit complaints with the FTC, CFPB, & BBB and threaten Experian, Equifax & Transunion with the request of financial compensation for consumer violations.

Each credit profile is different. Over the years we've seen as much as +108 points increase in Experian, +128 points in Equifax, and +196 points in TransUnion scores due to our process. We guarantee you will end MUCH BETTER than where you began.

Each client is different.  Upon purchasing our service, our team will be available for support and guidance on how to best maximize your new opportunities with GOOD CREDIT based on your profile and goals. We usually recommend allowing completion of the process to give you the best results when applying for new credit/loans. We are definitely here to help. We want to see you WIN!

Upon receiving payment, we will need several items from you to begin working on your profile.  A photo of your driver's license, social security card, and a recent utility bill with your current address (can be photo or .pdf).  This is required- no exceptions. This allows us to effectively clean up the personal information on your profile across all 3 credit bureaus, as well as aids in disputing other items on your credit report successfully.  All items and information are secured. Our professionalism and integrity is why people work with us. 

In all of our years of business, Experian.com has been the most accurate, up to date, and consistent source in regards to obtaining your FICO scores which is what all lenders, banks, and financial institutions use when making decisions based on your credit worthiness. We specifically work on improving your FICO scores across all 3 credit bureaus and an Experian account is required upon consultation.  We can also use MyFICO.com as well, but Experian is more simplistic and FREE overall- it does require a card on file to upgrade and get all 3 credit bureau scores (which we need in the very beginning)- outside of that there is no additional cost unless you want to keep the upgraded service. If you already have an Experian.com account, you will need to upgrade your service to allow us to pull your credit reports and scores from all 3 credit bureaus. Once we get that information you can downgrade back to the free account if desired.

Sources such as, Credit Karma, Creditwise, Identity IQ, etc. use the Vantage Score system, which unfortunately is not recognized by most lenders, banks, and financial institutions when applying for credit, cars, homes, loans, etc. The Vantage Score system tends to lag in up to date information and averages a 30-50 point boost in credit scores to make the consumer "feel good". We like to work with the truth and nothing but the truth- FICO scores. Credit Karma is good for staying alert on changes/updates to your credit profile- we recommend using it in conjunction with an Experian.com or MyFICO.com account.

Each credit profile is different; however we've streamlined our process to get the majority of our clients their desired results within 90 days. Processes such as student loan removal can take up to 180 days.

Unfortunately, due to the nature of our service and our process we do not offer refunds. Once we submit your profile for dispute (usually within 48 hours of receiving the necessary documents from you) the process has begun and there is no turning back. The bright side is- you will get results!

At this time, we accept payment via CashApp and Zelle. CashApp payments include consideration for the app's transaction fee so prices are slightly higher. We currently do not offer payment plans.

Once you have experienced our service, we offer a $50 referral bonus for anyone you send our way.  Make sure they include your First/Last Name or Email in the "Referred By" field on the intake form when purchasing our service and we will pay you. Your bonus will be paid to you via Zelle or CashApp within 48 hours of your referral's payment and documentation submission. Be sure to notify us if your payment information changes to prevent someone else from getting your bonus. "Spread love it's the Brooklyn way!"

Due to our volume of clientele, we offer contact and support via email and text once you have purchased our service. You will receive a consultation call to go over your credit profile in detail and set expectations. We ask that you allow up to 48 hours for email response as you can imagine our days are action packed. Texting is always faster. If you prefer to speak with us via phone, we offer phone support as an add-on service at the time of purchase.