Free · no obligation
Find out what is actually on your report.
Ten minutes with a specialist, who will walk your three reports with you and give you a straight answer on what could realistically be challenged.
- No credit card and nothing to sign
- No hard inquiry, so it will not affect your score
- About ten minutes, and you can end it at any point
Step 1 of 3
Free · 60 seconds
Step 1 of 3: Your report
What’s showing up on your report?
Pick everything that sounds familiar. Not sure? That’s an option too.
Choose at least one to continue
What happens on the call
No script, no pressure.
A specialist walks your credit report with you, points out the entries that look inaccurate, outdated or unverifiable, and explains what challenging them would involve.
No credit card, no commitment
Nothing to pay and nothing to sign. You can end the call having decided we are not for you.
It will not affect your score
Reviewing your report with you involves no hard inquiry. Looking costs you nothing, in either sense.
Ten minutes, not an hour
Long enough to walk your three reports and tell you what is realistically challengeable.
If you decide to go ahead
What happens next.
The consultation is step one of six. Nothing beyond it happens without you asking for it.
- 01
Free consultation
Talk with a specialist about whether credit repair actually makes sense for you. No cost, no obligation.
- 02
Report audit
We review your files from all three bureaus. Don't have copies handy? We'll pull them for you.
- 03
Flag questionable items
Mark the entries you believe are inaccurate, outdated, or unverifiable. One click is all it takes.
- 04
We start to resolve the conflict for you!
We challenge those items directly with the credit bureaus and the original creditors on your behalf.
- 05
Bureaus investigate
Investigations typically wrap up within 30 to 45 days, and updated reports come back to you.
- 06
Dedicated customer service
A dedicated specialist stays on your case from start to finish, answering questions and keeping you posted as your report improves.
Before you book
The things people ask first.
Still not sure? Call (800) 400-ZINU and ask us directly.
What happens during the free consultation?
It is a free 10 minute credit analysis. A specialist reviews your free credit report summary with you, points out the negative items that may be affecting your score, and explains what could realistically be challenged. There is no cost and no obligation to sign up.Can't I dispute these items myself for free?
Yes. You have the right to dispute inaccurate information in your credit file yourself, at no cost, by contacting the credit bureaus directly. Clients come to us for the process, the follow through across all three bureaus and the direct creditor interventions, not because self disputing is unavailable to them.Will working with Zinu hurt my credit score?
Disputing an item does not lower your score, and our review does not involve a hard inquiry on your credit file. Scores can move in either direction during the process as your report is updated by the bureaus.Do you guarantee a specific score increase?
No. Zinu Credit Repair does not guarantee specific results, and individual outcomes vary based on your unique credit situation. Any company promising a guaranteed number of points is one you should walk away from.
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.
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