The Full Credit Sweep
Four Rounds Of Disputes. One Complete Credit Sweep.
Start with a full credit sweep, then keep three additional rounds ready when new issues come up. Personalized pricing, a written agreement, and a plan built around your credit.
—Everything in writing—Personalized strategy—Built around your credit
What you get
One sweep, then three rounds held in reserve.
A Full Credit Sweep is four dispute rounds. The first is the sweep itself. The other three stay available for later, because credit files rarely stop changing the day you start.
Your complete dispute round, filed across your credit file. This is the work that begins once your documents are in.
Available after the sweep for new items or issues that need attention.
A third round available as additional negative information or debt appears.
Your last available dispute round, there when another issue needs to be addressed.
How it works
Talk to a person first. Everything else follows from that.
There is no sign-up form that takes your money before anyone has looked at your situation. It starts with a conversation.
You tell us where your credit stands and what you are trying to accomplish. We tell you honestly whether a Full Credit Sweep is the right fit, including when it is not.
There is no single price, because no two credit files are the same. After the call you get a figure that reflects your file, in writing, with the terms attached.
Before any work begins you receive a written contract and a statement of your rights, including your right to cancel within three business days. Nothing starts until you have signed.
You upload what we need through your own portal — never by email or text. We ask for your ID and your credit report. We never ask for the password to any of your accounts.
The sweep is filed, and you can see where it stands from your portal at any time.
Three rounds stay on your plan. Use them as new items surface.
Why SCII
Three things worth knowing before you choose anyone.
Documents go through an encrypted portal, not your inbox. We store only the last four digits of your Social Security number. We never ask for the login to your credit monitoring account, because a password you give away is a password you no longer control.
Your price is set on a call, given to you in writing, and does not change afterward. No enrolment fee hidden behind a monthly charge, and no figure you only discover at checkout.
You speak to the same person who handles your file. When you call, someone who knows your case answers.
Questions
The things people actually ask.
What does a Full Credit Sweep cost?
There is no fixed price. Cost depends on what is actually in your credit file, which is why it is set after a consultation rather than published on a page. You get the figure in writing before you agree to anything.
How long does it take?
It depends on your file and on how quickly the credit bureaus respond, and we would rather not give you a number we cannot stand behind. What we will tell you on the call is what the process looks like and what typically drives the timeline in a situation like yours.
Can you guarantee my score will go up?
No. Nobody can, and anyone who does is telling you something they cannot deliver.
What we do is dispute information in your credit file. Accurate, current negative information cannot be removed by anyone, including us. What can be addressed is information that is inaccurate, incomplete, or unverifiable — and that is the work.
What do you need from me?
Government-issued ID, your credit report, and the details needed to file on your behalf. Everything is uploaded through your own secure portal. We will never ask you for the password to your credit monitoring account, your bank, or your email.
Could I just do this myself?
Yes. You have the right to dispute inaccurate information in your credit file yourself, directly with the credit bureaus, at no cost. You can also obtain your credit report at no cost.
People hire us for the same reason they hire anyone: the work takes time, it has to be done correctly, and it has to be kept up over multiple rounds. If you would rather handle it yourself, that is a legitimate choice and we will tell you so on the call.
Ready when you are
Start with a conversation.
Tell us where things stand and we will tell you honestly whether we can help.