Credit Removal & Restoration

Your Rights Under the FCRA

The Fair Credit Reporting Act gives you powerful rights most people never use: the right to a free copy of every report, the right to dispute anything inaccurate or unverifiable, and the right to have investigations completed — typically within 30 days — with corrections made in writing.

Amari Equities turns those rights into a working process. We pull and analyze all three bureau reports line by line, identify every item that is inaccurate, incomplete, outdated, or unverifiable, and build a documented dispute strategy around each one.

Our Dispute Methodology

Effective credit restoration is procedural, not magical. We work in disciplined rounds: bureau disputes first, then direct furnisher disputes and debt validation demands where appropriate, then escalation with regulatory complaints when a bureau or furnisher fails to verify properly.

Every round is documented. You receive clear reporting on what was challenged, what came back verified, what was deleted, and what we escalate next. Most files move through several rounds over three to six months, and we keep you informed at each one.

• Tri-bureau report analysis
• Inaccuracy and unverifiability disputes
• Debt validation demands to collectors
• Hard inquiry review and challenges
• Goodwill interventions for isolated late payments
• Documented, round-by-round reporting to you

What Can Be Challenged

Items that are inaccurate, duplicated, misreported, out of statute, or impossible for the furnisher to verify can all be challenged and, where the law supports it, removed: collections with broken documentation chains, charge-offs with balance errors, late payments reported against the wrong dates, and hard inquiries you never authorized.

We are direct about the honest limit of this work: no legitimate company can guarantee the removal of accurate, verifiable, current information — and you should not trust anyone who promises otherwise. What we guarantee is rigorous process, full transparency, and relentless follow-through on everything that is challengeable.

• Collections and third-party debt
• Charge-offs with reporting errors
• Late payment histories with inaccuracies
• Unauthorized or stray hard inquiries
• Outdated items past reporting limits
• Duplicate or misattributed accounts

Rebuilding While We Restore

Removal is only half the equation — a thin or empty file still produces a weak score. In parallel with disputes, we build the positive side: strategic secured or credit-builder accounts, utilization management across your existing lines, and authorized-user and tradeline guidance where it genuinely fits.

The goal is never just a number. It is eligibility — for the apartment, the mortgage pre-approval, the car, or the business line of credit you came to us for. Because Amari Equities also runs the financing and housing teams, your rebuilt file goes straight into the application it was rebuilt for.