Free consultation — no obligation

Your score isn't your story. Let's rewrite it.

Raven Credit Solutions disputes inaccurate, outdated, and unverifiable items on your reports, then coaches you through the habits that keep your score climbing. Transparent pricing, real humans, no guesswork.

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3 bureausEquifax, Experian & TransUnion disputes

30 daysTypical first bureau response window

$0Upfront fees before work is done

Example client dashboard

540

Climbing

Medical collection — disputedRemoved

Duplicate late paymentCorrected

Card utilization 78% → 24%On track

How it works

A clear plan, not a black box.

Every client gets the same four-step process and a dashboard showing exactly what we've disputed and what came back.

Free review

You pull your own three-bureau report through CreditHero Score (no impact on your score) and we flag every questionable item.

Custom strategy

You get a written plan: which items to dispute, which to negotiate, and which habits matter most.

Disputes filed

We send documented disputes to bureaus and creditors and track every response for you.

Rebuild & grow

Monthly coaching on utilization, payment history, and new credit so gains stick.

Your client tools

Know what to expect before you sign up.

When you become a client, you'll use two secure tools. Here's what each one is, when you'll see it, and what it asks for, so nothing catches you off guard.

Your client portal

Secure Client Access

Your private, encrypted portal for your agreement, documents, dispute progress, and messages with your Raven specialist. Powered by Credit Repair Cloud.

What you'll see

An email titled "Login Credentials for Secure Client Access" with a link to set your password
Your client agreement to review and e-sign, with your 3-day right to cancel
Onboarding steps: a photo ID and recent proof of address (a phone photo works)
Live dispute status, score progress, and uploaded documents
Secure messaging, so sensitive details never travel by regular email

On your phone? Get the free Secure Client Access app and sign in with the same email and password. App Store Google Play

Go to Client Login →

Your credit reports

CreditHero Score

The credit monitoring service that gives you, and us, your reports and scores from Equifax, Experian, and TransUnion. It connects directly to our client system so your items import accurately.

What you'll see

An invitation to enroll, usually during onboarding in your portal
Identity verification questions, typically including the last 4 or full digits of your SSN
Your three-bureau reports and scores, refreshed every 30 days with your membership
Credit monitoring alerts and a score simulator

$17-day trial

$27.99per month after

A credit or debit card is required to start. CreditHero Score bills this directly; it isn't a Raven Credit Solutions fee. Cancel anytime online or at (888) 316-7758. Pricing is set by CreditHero Score and may change; see creditheroscore.com for current terms.

No score impact. You order your own reports, which never counts as a hard inquiry.

1Free consultationRequest your review using the form below.
2Portal inviteCheck your email for your Secure Client Access login.
3Sign & verifyE-sign your agreement and upload your ID and proof of address.
4Pull your reportsEnroll in CreditHero Score so we can import all three bureaus.
5Track progressFollow every dispute and score change in your portal.

Score impact calculator

See what's possible.

Move the sliders to match your situation. We'll estimate a realistic range after accurate reporting and better habits.

Current credit score

Credit card utilization you'll maintain

High · about −90 ptsUsing most of your available credit signals risk to lenders.

Balances divided by total limits. The estimate treats 30% as a typical starting point: slide lower to see your score rise, higher to see it fall. Scores are strongest at 1–9%.

Late payments you believe are inaccurate

Collections or charge-offs to challenge

Hard inquiries (last 12 months)

Each new credit application adds a hard inquiry. The estimate treats 2 as typical: more inquiries lower your score (roughly 5–10 points each at first), fewer raise it slightly. They stop counting after 12 months.

Estimated score in 6–12 months

620–660

+80

From Poor to Fair

300580670740850

Credit card utilization+0

Corrected late payments+0

Resolved collections+0

Hard inquiries+0

Lock in my free review →

Educational estimate only, based on general scoring factors. Results vary; Raven Credit Solutions can't guarantee any specific score change or removal of accurate information.

Client stories

Real people, real progress.

Highlights from clients who went through the Raven Credit Solutions process.

★★★★★

548 → 681 in 7 months

"Two collections I'd never heard of were dragging me down. Raven Credit Solutions got them off and walked me through paying down my cards. We closed on our first house in May."

Marisol T.First-time homebuyer · Nashville, TN

★★★★★

602 → 714 in 9 months

"What sold me was the dashboard. I could see every dispute, every bureau letter, every response. No mystery, no runaround — and my car loan rate dropped by more than half."

Darnell R.Refinanced auto loan · Memphis, TN

★★★★★

511 → 640 in 11 months

"After my divorce my credit was a mess. My coach was patient, honest about what could and couldn't change, and checked in every month. I finally qualified for my own apartment."

Kendra L.Rebuilt after divorce · Franklin, TN

Individual results vary.

FAQ

Straight answers.

Is credit repair legal?

Yes. The Fair Credit Reporting Act gives you the right to dispute inaccurate or unverifiable information. Raven Credit Solutions operates under the Credit Repair Organizations Act, which means a written contract, a 3-day cancellation right, and no fees before services are performed.

Will checking my credit hurt my score?

No. You order your own reports through CreditHero Score, and checking your own credit is never a hard inquiry, so it doesn't affect your score.

How long does it take?

Bureaus generally respond to disputes within about 30 days. Most clients see meaningful changes within 3–6 months, depending on their report.

Can you remove accurate negative items?

No one can legally remove accurate, timely information. We focus on errors, outdated items, and unverifiable accounts, and coach you on the factors you control.

Why do I need CreditHero Score?

Disputes are built from your actual bureau data. CreditHero Score gives you, and us, all three reports and scores in one place, and it connects directly to our client system so your items import accurately and we can track changes after every dispute round. Its $1 seven-day trial and monthly membership are billed by CreditHero Score, separately from Raven Credit Solutions, and you can cancel it at any time.

How do I log in to my client portal?

Use the Client Login button at the top of this page, or go to secureclientaccess.com. You can also download the free Secure Client Access app for iPhone or Android and sign in with the same email and password.

Free consultation

Start with a free review.

Tell us a little about your goals. A Raven Credit Solutions specialist will reach out within one business day.

Your information is encrypted and submitted through our secure client portal.

Soft-pull review only — zero impact on your score.

Your info is never sold or shared with third parties.

Better credit starts today.

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