If you’re serious about credit repair — not surface-level fixes, but real, lasting power — the first thing you need isn’t a template letter or a motivational quote.
It’s data. Your data. From all three credit bureaus.
Because you can’t fix what you can’t fully see.
And Credit Karma isn’t showing you half the game.
Step One: Pull Your Official Credit Reports — All Three of Them
Go to the only site authorized by federal law to give you direct access:
✔️ 100% free
✔️ Updated weekly
✔️ Full, official reports from:
– Experian
– Equifax
– TransUnion
You’ll download them as PDFs — and what’s inside?
That’s the blueprint we use to clear out inaccuracies, challenge illegal reporting, and rebuild your profile with precision.
Why This Matters (and Why Credit Karma Isn’t Enough)
Credit Karma is fine for casual monitoring — but if you’re ready to make real moves?
It’s missing:
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One-third of your credit data (no Experian report)
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Full account details needed for 609/611 disputes
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Legal-grade accuracy for formal challenges
Credit Karma is built for consumers.
You’re stepping into strategy. And that starts with all three reports — no shortcuts.
Once You Have Your Reports, You Have Two Options:
Option 1: Go DIY with Precision
Here’s the roadmap:
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Review each report line by line
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Highlight inaccurate, outdated, duplicated, or unverifiable items
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Build a custom dispute plan using Sections 609 and 611 of the FCRA
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Track responses, escalate legally when needed, and round out your rebuild strategy
You can access our full DIY breakdown — plus letter templates, violation checklists, and dispute stacks — in our Help Center:
Option 2: Partner with Professionals Who Know the System Inside Out
If you want speed, clarity, and results, this is where we come in.
We do this work daily — with strategy, legal backing, and relentless precision.
Our Credit Repair Package includes:
✅ Full report analysis from all 3 bureaus
✅ Custom-built 609/611/Direct-to-furnisher letters
✅ Dispute sequencing for maximum deletions
✅ Escalation support (CFPB, FTC, legal readiness)
✅ Ongoing credit rebuild guidance and compliance coaching
Book a strategy call at thesfieldsgroup.com
We’ll review your reports with you, map out your top opportunities, and design a plan that puts you back in control — legally and financially.
This Isn’t About a Letter. It’s About Leverage.
The credit system was not built for you — but the law was.
When you understand how to use it — or have the right team behind you — the game changes.
This is how people go from denied to approved. From overlooked to unstoppable.
Start by pulling your reports.
Then decide — DIY with guidance, or done-for-you with precision.
Either way, The Sfields Group is your partner in power.