Before beginning your journey to a Better Report™, there are a few essential things you should know.
Disputing inaccuracies on your credit report is a serious process—and we believe informed users are empowered users. The Better Report™ platform is built to help you take control, but it’s important to approach this journey with clarity, caution, and confidence.
🔍 Be Aware of Creditor Behavior
Some creditors may react to disputes by accelerating account collections or exploring legal action. While uncommon, it’s a possibility you should be mentally and financially prepared for before initiating disputes.
🛡 Identity Theft Is a Legal Matter
We do not claim identity theft on your behalf. If you believe your identity has been compromised, you should contact law enforcement and file an FTC identity theft report. These are serious matters that require official documentation and investigation.
⏳ Every Timeline Is Unique
There is no guaranteed timeframe for reaching your goals. Some users see results in weeks, others take months. The process is ongoing and depends on your credit history, the nature of the disputes, and how responsive furnishers and credit bureaus are.
📄 You’re Responsible for Your Contracts
Better Report™ assumes that you have read and understood the terms of the contracts associated with each of your accounts. Disputing an item doesn’t cancel a contract—it challenges how the account is being reported.
🔐 Your Identity Must Be Verified
Disputes must be verifiable. That means you may be required to provide identifying information such as a copy of your ID, utility bill, or last four digits of your SSN to satisfy verification requests from creditors and furnishers.
⚖️ Legal Risk Is Real
Yes, creditors may sue if they believe the information you are disputing is accurate or if they feel your actions are unfounded. It’s rare—but it’s a legal right they retain.
📚 The Law Helps—But It’s Not Perfect
The FCRA (Fair Credit Reporting Act) gives you the right to dispute inaccurate items. However, many furnishers do not fully comply with their obligations, and you may not get your desired outcome immediately, or at all. We advocate for you, but we cannot force results.
💰 No Surprise Charges
With Better Report™, you only pay for:
- 1-on-1 consultations called Better Report™ Credit Reviews
- Any shipping & handling related to your disputes
There are no monthly fees, no subscriptions, and no hidden costs—ever.
✉️ You’re Always in Control
Each dispute you send is:
- Editable
- Voluntary
- Only sent after your approval
We will never send a letter without your express and explicit action. You’re always in control of what is communicated on your behalf.
Final Thought
The journey to a Better Report™ is about clarity, confidence, and compliance. We’re here to support you—but your awareness and participation are what make the difference.
When you’re ready, we’re ready.
— The Better Report™ Team