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No upfront fees.

(800) 400-ZINU (9468)
Zinu Credit Repair

Credit repair, handled by a legal team.

We challenge the inaccurate, outdated and unverifiable items on your credit file with all three bureaus, and with the creditors who reported them.

Start free analysis(800) 400-ZINU
Day dispute cycle
30 to 45
Due upfront
$0

What we do

Dedication to your financial goals.

It starts with our team of attorneys and paralegals, who tailor a strategy to each client rather than firing off template letters.

  • Attorneys and paralegals

    Our team works your file directly, which matters the moment a bureau or creditor pushes back on a challenge.

  • A strategy per client

    No blanket disputes. What gets challenged depends on what is actually wrong on your three reports.

  • Monitoring and protection

    Finance management and identity protection tooling, so corrected items do not quietly reappear.

Items removed for clients
15M+
As of 2026
Bureaus challenged
3
Equifax · Experian · TransUnion
Day dispute cycle
30 to 45
Typical bureau investigation time
Due upfront
$0
You're billed after we start work

Explore

The process, the price, the proof.

Three things worth knowing before you start. Each takes a minute to read.

What's included

Everything working on your report.

One engagement puts the full toolkit to work across your credit file.

  • Bureau challenges

    Formal disputes filed with Equifax, Experian, and TransUnion.

  • Creditor interventions

    We go straight to the original creditors on your behalf.

  • Inquiry assist

    We address hard inquiries you didn't authorize or don't recognize.

  • Score analysis

    We break down exactly what's pulling your score down, and why.

  • Report watch

    Ongoing monitoring so corrected items don't quietly reappear.

  • Credit Bureau alerts

    You're notified the moment something changes on your file.

  • Intervention letters

    We stop unwanted contact from debt collectors.

What we review

Where credit reports go wrong.

Every dispute needs grounds. These eight categories are where we find them.

  • Late payments

    We check whether the date, amount and status were reported correctly by the furnisher.

  • Collections

    Frequently reported with errors: wrong balance, wrong original creditor, or past the reporting period.

  • Charge offs

    We verify the charge off date and balance, and check whether the account is duplicated across bureaus.

  • Hard inquiries

    Inquiries you never authorized can be challenged with the bureau and with whoever pulled your file.

  • Accounts that are not yours

    Accounts that genuinely are not yours are the strongest dispute category under the FCRA.

  • Identity theft

    Accounts and inquiries someone else opened in your name, and everything they left behind on your file.

  • Personal information mismatch

    Names, addresses, employers or dates of birth that are not yours, which often means your file has been mixed with someone else's.

  • Bankruptcy or public record

    Public records have to be accurate and within the reporting period. We verify both.

Straight talk

What credit repair cannot do.

Any company that will not tell you this is a company to walk away from.

  • It cannot remove accurate information.

    Accurate, current and verifiable entries cannot be taken off a credit report by anyone. What can be challenged is information that is inaccurate, outdated or unverifiable.

  • It cannot guarantee a score increase.

    We do not guarantee specific results, and outcomes vary with your situation. Any company promising a set number of points is one to walk away from.

  • You can do this yourself.

    You have the right to dispute inaccurate information yourself, free, by contacting the bureaus directly. Clients come to us for the process and the follow through, not because the door is closed to them.

Understand it first

Learn about credit

How scoring works, what counts as bad credit and how a dispute actually runs. No sales pitch attached.

Read more

What it costs you

How bad credit affects you

Where a damaged file quietly reaches: your mortgage rate, insurance premium, phone contract and job search.

Read more

Free, no obligation

Start with a free 10 minute credit analysis.

A specialist walks through your three reports with you and tells you what could realistically be challenged. No cost, no obligation, and no upfront fees.

Start my free consultation(800) 400-ZINU
Rated 4.9 out of 5

4.9 stars from 183 reviews on Trustpilot and Google

  • No credit card, nothing to sign
  • No hard inquiry on your file
  • About ten minutes, start to finish
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