Nationwide Credit Repair Support
Improve Your Credit WithA Personal Strategy.
Melissa Got Me Right helps clients nationwide understand credit reports, identify information that may be inaccurate or unverifiable, and choose clear next steps around their goals.
Get My Free Credit ReviewCredit Repair With Melissa
Get Clear on What Is Really on Your Report.
Whether a home purchase feels out of reach, a car payment is too high, business funding is on hold, or you are simply tired of avoiding your report, you deserve to understand the information lenders may see.
In this video, Melissa explains her personal approach: reviewing your reports, identifying information that may be inaccurate, incomplete, outdated, duplicated, or unverifiable, and helping you understand the next steps. No score promises. No generic plan. Just clear guidance around your actual file.
Watch: Melissa shares how a focused credit review can help you move from uncertainty to a clearer next step.
What Is Credit Repair?
If Information Is Not Accurate,
It Deserves a Closer Look.
Credit repair is the process of reviewing report information and questioning items that may be inaccurate, incomplete, outdated, duplicated, or unverifiable. Under the Fair Credit Reporting Act (FCRA), consumers have rights to dispute information they believe is incorrect or incomplete.
Many people assume every negative item is permanent or do not know where to start. Melissa reviews reports across the three major bureaus — Equifax, Experian, and TransUnion — and helps clients nationwide understand which concerns may be appropriate to question and what else can support stronger credit over time.
You have rights. Melissa helps you use them, then helps you build stronger positive history for the future.
What's Holding Your Score Back
Late Payments
Even one late payment can drop your score significantly. We review whether it was reported accurately and dispute what's wrong.
Collections & Charge-Offs
Old debts sold to collectors or written off by lenders. These are often inaccurate or unverifiable — and can be challenged under the FCRA.
Incorrect Personal Info
Wrong addresses, misspelled names, or mixed files can attach someone else's negative history to your report.
Duplicate Accounts
The same debt reported twice — once by the original creditor and again by a collector — is a common error that inflates damage.
Outdated Information
Most negative items must be removed after 7 years. Many creditors leave them on longer. We catch this and dispute it.
High Utilization
Using too much of your available credit hurts your score even if you pay on time. We help you develop a strategy to bring it down.
Three Steps to a Cleaner Credit File
01
Pull & Review All 3 Bureaus
We obtain your full credit report from Equifax, Experian, and TransUnion and review every single account, inquiry, and personal detail for accuracy.
02
Dispute Inaccurate Items
Using your rights under the FCRA, I dispute items that are inaccurate, outdated, incomplete, or unverifiable. Credit bureaus generally have 30 to 45 days to investigate and respond.
03
Rebuild & Maintain
Once negative items are removed, we help you build positive history — on-time payments, low utilization, and smart account management — to keep your score climbing.
Questions About Credit Repair
Straight answers before you decide whether a review is right for you.
No. I do not dispute information that is accurate and verifiable. My work focuses on items that are inaccurate, incomplete, outdated, duplicated, or cannot be verified under the Fair Credit Reporting Act.
Ready to Start Cleaning Up Your Credit?
Get a free credit analysis and find out exactly what's on your report and what can be removed.
Get My Free Credit Review