Fix errors that hurt your score
We review your credit reports, identify inaccuracies, and file disputes with bureaus on your behalf to get errors removed.
Credit report audit
We pull and review all three bureau reports to find errors, duplicate accounts, fraud, and incorrect balances hurting your score.
Score monitoring
Track your credit improvement over time as disputes resolve. We keep you informed of every change and bureau response.
See How Score Savvy Helps Houston Clients
Real people have improved their credit scores by fixing errors on their reports with Score Savvy's professional audits and dispute services.
Score Savvy found errors on my report I didn't even know were there. After they filed disputes, my score went up and I finally qualified for a home loan.
Marcus T.
Mortgage applicant
I had duplicate accounts and wrong balances hurting my credit. Score Savvy handled everything with the bureaus while I focused on my family and job.
Jennifer L.
Small business owner
Getting rejected for a car loan was frustrating. Score Savvy identified fraudulent accounts on my credit and got them removed. Now I can finance what I need.
David R.
Auto loan applicant
I didn't know I had the right to dispute inaccurate items. Score Savvy explained the process and did the work for me. My credit improved in months.
Angela M.
First-time homebuyer
Fix errors on your credit report fast
Score Savvy identifies inaccuracies and files disputes with bureaus so you can qualify for the loans and housing you need.
Credit repair built on accuracy and action
Jumal Williams founded Score Savvy to help Houston residents reclaim their financial standing. We audit your reports, identify real errors, and file disputes that work.
Get your free credit audit today
Score Savvy reviews your reports for errors at no cost. Find out what's holding your score back and start fixing it now.
Questions about credit repair?
Get answers about how Score Savvy audits reports, files disputes, and helps you improve your credit standing.
What exactly does Score Savvy review on my credit report?
We audit your full credit reports from all three bureaus (Equifax, Experian, TransUnion) looking for errors like wrong balances, duplicate accounts, fraudulent activity, and incorrect personal information. We identify what can legally be disputed.
Can you remove negative marks from my credit history?
We can dispute inaccurate information with the bureaus. If items like late payments or charge-offs are accurate and still within reporting time limits, they typically can be removed. Our focus is correcting errors, fraud and deleting negative history.
How long does the dispute process typically take?
After we file disputes, bureaus have 30 days to investigate and respond. Some disputes resolve faster, others take longer. We keep you updated on progress throughout the process and follow up on any unresolved items.
Will this hurt my credit score further?
Disputing errors doesn't damage your credit. In fact, removing inaccurate negative items or lowering incorrect balances can help your score improve. The audit itself doesn't trigger a hard inquiry.
Do you handle identity theft or fraud on my credit reports?
Yes. If we find fraudulent accounts or suspicious activity tied to your name, we dispute those items and help document the fraud for your records. Identity theft cases may also require additional steps with creditors.
What happens after disputes are filed?
Bureaus investigate and respond within 30 days. If they verify the information as accurate, it stays on your report. If they can't verify it, it gets removed or corrected. We monitor responses and follow up on any incomplete investigations.
Ready to get started?
Contact Score Savvy today to schedule your free credit report audit and learn your options.