Illumicore disputes inaccurate, outdated and unverifiable items on your credit reports. You pay $35 per deleted item, and only after the deletion shows up on your report.
Four steps, no surprises. You see the results before you pay a cent.
Reach out and we'll send you a secure client portal invite. Enter your info in a few minutes.
We pull your credit report and flag negative items that look inaccurate, outdated or unverifiable.
We prepare and send dispute letters to the credit bureaus and follow up on every response.
When an item is deleted and shows up on your updated report, you pay $35 for that item. That's it.
Most credit repair companies charge monthly whether anything changes or not. We do it differently.
If it's inaccurate, outdated or can't be verified, it doesn't belong on your report.
Incorrect dates, amounts or reporting errors on payment history.
Collection accounts that are duplicated, wrong or can't be validated.
Charged-off accounts with inaccurate balances, dates or statuses.
Hard inquiries you didn't authorize, wrong addresses, names or accounts that aren't yours.
Cleaner credit can open the door to homeownership. We work with lending partners who offer home loan programs starting at a 580 credit score.
Once your credit is ready, we can connect you with a lender for pre-approval and help you take the next step toward your new home.
Talk to Us About BuyingStraight answers about how we work.
$35 for each negative item that gets deleted from your credit report. There are no setup fees and no monthly fees.
Only after the deletion is confirmed on your updated credit report. If nothing is removed, you don't pay anything.
No company can legally guarantee that items will be removed. We dispute items that appear inaccurate, outdated or unverifiable, and the credit bureaus decide the outcome. That's exactly why you only pay for deletions.
Credit bureaus generally have about 30 days to respond to a dispute. First responses often come back within 30 to 45 days, though every file is different.
Yes. You have the right to dispute inaccurate information directly with the credit bureaus for free. We handle the letters, tracking and follow-up for you so you don't have to.
Fill out the form on our Contact page or call (480) 294-2295. We'll send you a client portal invite to get set up.
No upfront fees. $35 per delete. Pay only when it's gone.