Take back control of your credit.
Bad credit doesn't have to follow you forever. Our team works with you to dispute errors, build positive history, and put you on the path to financial freedom.
What we tackle for you
From errors on your report to collections and late payments — we know how to fight back.
Error Disputes
We identify and formally dispute inaccurate, outdated, or unverifiable negative items on your credit report with all three bureaus.
Collections & Charge-offs
We negotiate with collection agencies and creditors to remove or settle derogatory accounts that are dragging your score down.
Late Payment Removal
We send goodwill letters and dispute invalid late payment entries that are unfairly hurting your credit history.
Identity Theft Recovery
If fraudulent accounts appear on your report, we guide you through the dispute and fraud alert process step by step.
Credit Building Strategy
Beyond removal, we coach you on the right mix of accounts, utilization habits, and timelines to build a strong score.
Bureau Monitoring
We track your Equifax, Experian, and TransUnion reports throughout the process so nothing slips through the cracks.
Your path to better credit
Free credit review
We pull and analyze your full credit report from all three bureaus to identify every item holding you back.
Custom action plan
We build a personalized dispute and credit-building strategy based on your specific situation and goals.
We dispute on your behalf
Our team sends certified dispute letters to the bureaus and creditors — you don't have to deal with them directly.
Track your progress
We monitor responses, follow up on every dispute, and keep you updated as negative items are removed.
Build & maintain
Once your score improves, we give you the tools and habits to keep it strong for the long term.
Start your credit recovery today
Tell us a little about your situation and we'll reach out within one business day to schedule your free credit review.
Explore our other services
RPT Financial Group is your one-stop financial partner in Central Florida.