Managed Credit Support
We prepare every round, you send every letter: what to challenge, the letter drafts, the tracking, and a full review of each response, cycle after cycle.
Free. No obligation. Month to month, cancel anytime, no long-term contract.
What managed credit consulting support actually means
Most people picture a credit dispute as one letter and one answer. It is not. Your credit report is a living record that three separate companies maintain from data sent to them every month by lenders, collectors, and courts. Correcting it is a cycle, and the cycle has rules.
Here is the mechanic underneath all of it. Section 611 of the Fair Credit Reporting Act gives you the right to dispute any item you believe is inaccurate, incomplete, or unverifiable. Once a bureau receives that dispute it has 30 days to complete a reasonable reinvestigation, extendable to 45 days if you send additional information during the window. The bureau forwards the claim to the furnisher, meaning the company that reported the data. If the furnisher cannot verify what it reported, the item has to be corrected or deleted. If it verifies, the item stays, and challenging it again requires new grounds or new documentation.
Managed support is us preparing that cycle for you, round after round. We read all three reports, decide which items have real grounds, draft every challenge letter, and hand you the round ready to send. You send each letter, we track the clock on every one, read each response the day it lands, and tell you in plain English what changed and what did not. You approve the plan before each round goes out. You do not have to chase anybody, sit on hold, or keep a spreadsheet. Accurate items stay on your report, because that is the law and because we will not pretend otherwise.
Managed means we do the prep work, you approve it and send it, and you are never kept in the dark.
Who this is for, and who should pick something else
Score Pros qualifies hard on purpose. Being sent to the right service beats being sold this one.
Best for
People who want inaccurate or outdated credit reporting challenged correctly and compliantly, with every round prepared for them so all that is left in their hands is sending letters and making simple decisions.
- Have inaccurate or outdated items on one or more bureau reports
- Want a professional preparing and tracking the entire dispute process for them, round after round
- Prefer approving a plan over managing the work
- Need consistent, compliant correction rather than a one time push
Not for you if
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You want to understand the system while it is being worked
Guided Credit Strategy pairs the same correction work with coaching on utilization, account age, mix, and timing, so you can hold the improvement yourself.
Guided Credit Strategy → -
You have a closing date or an application deadline
Priority Credit Consulting moves your file to the front of our queue and plans the work backward from the date you are aiming at. The bureau clock is statutory and cannot be shortened, but everything we control can be.
Priority Credit Consulting → -
You would rather run the disputes yourself for a flat monthly
ScorePros AI gives you all three reports, plain English analysis, and dispute letters you review and send yourself, at $49.99/mo with no contract.
ScorePros AI →
How it runs, step by step
What happens at each stage, and what lands in your hands. Bureau investigation windows are set by the FCRA, not by us, and no outcome or timeline is guaranteed.
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Free Credit Clarity Session
A 30 to 45 minute call with your three bureau reports open. We read them line by line, show you where the bureaus disagree with each other, and separate what is genuinely in play from what is accurate and staying. If the honest answer is that you do not need a paid service, we say so on this call.
What you see
A live 3-bureau review, a written summary of what we found, and a plain English explanation of every flagged item.
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Documentation and engagement
Before any work begins you receive the legally required written disclosure, Consumer Credit File Rights Under State and Federal Law, and a written contract. You may cancel that contract in writing for any reason and at no cost: three business days by law, and longer in some states, since California residents may cancel until midnight of the fifth working day after signing with any payment returned within 15 days. Your written agreement states the period that applies in your state. We collect proof of identity and address, because the bureaus reject disputes without it, and any documents that support a specific claim.
What you see
Your disclosure, your contract, your written right to cancel (three business days by law, longer in some states), and a short document checklist.
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Round one is ready to send
We build the first round around the items with the strongest grounds, not around volume. Each challenge states what is wrong and why, and attaches supporting documentation where it exists. Where a method of verification request is the right next move, we draft one for you to send. You see the full round plan before anything is mailed.
What you see
The round plan in advance, then copies of everything sent, with the date each investigation window opened.
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Responses come back and get read
Bureau results arrive in stages, rarely all at once. Some items come back corrected or deleted, some come back verified, and some responses raise a new question worth pursuing. We read every one, forward it to you, and explain what it means for the file rather than dropping a PDF in your inbox.
What you see
Every bureau response forwarded to you, with a written read on what changed, what held, and why.
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Next rounds, on a schedule
A verified item is not the end of the road if there are new grounds or new documentation. We plan the next round from what the responses actually said. Results vary by file and no outcome or timeline is guaranteed, but the work moves on a schedule instead of moving when you remember to push it.
What you see
A monthly update from a person, the plan for the coming round, and a running record of every item worked.
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Monitoring and handoff
Deleted items sometimes reappear. That is called re-insertion, and the FCRA requires the bureau to notify you in writing within five business days if it happens. We watch for it and prepare a new challenge for you to send when it does. When the file reaches the point where it is being maintained rather than corrected, we tell you, and you cancel.
What you see
Re-insertion checks, a maintenance plan you can run yourself, and a straight answer when the work is done.
Have your three reports read first
Send your details and a credit specialist calls you within 1 business day with an honest read on whether managed support fits your file. Nothing is billed before work is performed.
Tell us what is going on
Five fields. We call you within 1 business day, or reach us now at (949) 430-6622.
You're on the list.
A Score Pros credit specialist will call you within 1 business day to schedule your Credit Clarity Session. Check your email for a confirmation.
Want to move faster? Call (949) 430-6622, Mon to Fri 9am to 6pm PT.
What changes for you
Not a score prediction. These are the things the work is designed to put in your hands. Results vary by file, and no outcome or timeline is guaranteed.
You stop guessing what is on your reports
Three bureaus, one explanation, in language you can repeat to a lender. Most people have never had anyone read their file to them.
The work happens on a schedule
Rounds go out when they should, deadlines get tracked, and responses get read the week they arrive instead of sitting in a pile.
You know which items were actually in play
And which ones were accurate and never going anywhere. That distinction is what stops people from paying for years of work that was never going to help.
You end with a file you can defend
Copies of every letter sent and every response received, so if a lender or a furnisher pushes back later you have the record.
Questions about managed credit support
The ones people actually ask on the first call, with the answers we actually give.
What does managed actually mean? Do I have to do anything?
You do four things: send us identity and address documentation, approve each round plan, send each letter once we have prepared it, and forward anything the bureaus mail directly to you. We do the reading, the drafting, the deadline tracking, and the follow up on every response.
What do you need from me to start?
A government issued ID, proof of current address such as a utility bill or bank statement, and access to your three bureau reports. Bureaus reject disputes that arrive without identity verification, so this is not optional paperwork. If you have letters, statements, or payoff records tied to a specific item, those help.
How long does a round take?
The bureau has 30 days to complete its reinvestigation once a dispute is received, extendable to 45 days if you supply additional information during that window. That is a legal deadline for the bureau, not a promise about your file. Most files run more than one round because responses arrive in stages. Results vary, and no outcome or timeline is guaranteed.
What happens if the bureau verifies the item?
It stays on your report. From there we decide whether there are new grounds, whether a method of verification request is worth sending, or whether the item is simply accurate and the honest move is to stop challenging it and build around it instead. We will tell you which one it is.
Will you challenge items you know are accurate?
No. Filing a knowingly false dispute is not a strategy, it is a liability, and it burns credibility with the bureaus on the items that actually matter. If an item is accurate and inside its reporting window, we say so and shift to a rebuilding plan.
What is re-insertion, and how do you catch it?
Re-insertion is when an item that came off your report is put back by the furnisher. The FCRA requires the bureau to notify you in writing within five business days if it happens. We monitor for it during the engagement and prepare a new challenge for you to send when it appears, because a deletion that quietly returns is worse than one that never happened.
How does billing work, and can I stop?
There is a first-work fee and a flat monthly fee, both discussed on your call once we have seen the file. You are never billed for work before it has been performed. Plans run month to month with no lock-in past the current period, you can cancel anytime, and you keep the written right to cancel the contract itself at no cost: three business days by law, and longer in some states (five working days in California). The full breakdown is on the pricing page.
Is this the same thing as the Essential Plan?
Managed Credit Support is the way the work is delivered. The Essential Plan is the tier it sits on. If you want the tier explained in terms of scope and cost rather than delivery, read Essential Credit Consulting.
More answers on the full FAQ, or read how the process works.
Related reading and services
Start with clarity
We will tell you if managed support is the right fit for your credit profile, including when it is not.
On your free Credit Clarity Session we will:
- Read all three bureau reports with you, line by line
- Separate what is genuinely in play from what is accurate and staying
- Explain what this service would and would not do for your file
- Lay out what it costs and how the billing works before you decide
- Tell you honestly if a different level, or none at all, is the better call
Clarity first. Progress and improvement follow.
Book your free Credit Clarity Session
Tell us a little about your situation. A real person calls you within 1 business day. No obligation, and nothing is billed before work is performed.
You're on the list.
A Score Pros credit specialist will call you within 1 business day to schedule your Credit Clarity Session. Check your email for a confirmation.
Want to move faster? Call (949) 430-6622, Mon to Fri 9am to 6pm PT.
