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The case against credit confusion
· Every report tells a story
· Know the evidence
The opening statement The case against credit confusion
The evidence is in your credit report. Do you understand what it’s telling you?
Collections. Repossessions. Late payments. Credit card balances. Inquiries. Verified accounts. Every item can play a role in your overall credit profile.
But not every negative account is inaccurate. Not every deletion increases a score. And not every high credit score means a lender will approve an application.
That’s why Score Rise Up approaches credit differently.
We don’t just enroll. We service.
The suspects Six items under investigation
What’s under investigation?
Case 01
Collections
Third-party accounts, often sold more than once and reported with details nobody can verify.
Case 02
Repossessions
Balances, dates and deficiency amounts that frequently disagree between bureaus.
Case 03
Late payments
A single 30-day mark carries more weight than most people expect, and the dates are often wrong.
Case 04
Credit utilization
The fastest-moving number on your file, and the one most often working against you quietly.
Case 05
Hard inquiries
Applications you made, applications you didn’t, and the ones that shouldn’t still be showing.
Case 06 · Not charged
Verified reporting
Accurate and provable. It stays on the record, and anyone telling you otherwise is selling you something.
The goal isn’t to dispute everything. It’s to know what belongs, what may be wrong, and what you can actually do next.
Exhibit A What's included
The 90-day Credit Takeover program.
✓
Credit report review across all three bureaus
Equifax, Experian and TransUnion, read in full.
✓
Up to three rounds of disputes
Filed when there is a legitimate basis to challenge reported information.
✓
Educational guidance
Utilization, payment history, inquiries and credit-building habits.
✓
A client portal
Review available reports, updates and action plans in one place.
✓
Ongoing communication and support
Throughout the program, not just at enrollment.
Exhibit B How the investigation works
Five steps, start to finish.
1
Open your case
Enroll, review your agreement, send your onboarding information
Complete enrollment, read and sign your agreement, then activate your monitoring and submit the intake form so I can see what I'm working with.
I review your available credit reports to identify potentially inaccurate, incomplete or otherwise disputable information.
3
Challenge the reporting
Disputes go out where there's a basis
When appropriate, disputes are prepared and submitted to the relevant credit reporting agencies or information furnishers.
4
Review the findings
We look at what changed
Updated reporting is reviewed during scheduled reimports, generally around 35 days after a dispute round, subject to reporting and investigation timelines.
5
Build beyond the dispute
You learn how the profile actually works
Payment history, credit utilization, responsible account management and the financial habits that shape your credit profile going forward.
The record Exhibits A through E
Real client files. Not stock screenshots.
Round summaries and score reports pulled straight from client accounts.
In re: Client credit files
Case no. SRU–2026–BF
Exhibits A through E, submitted
Filed November 2026
EXHIBITA
ExperianDeletions & updates, single round
Client fileProduced in discovery
$53,666 struckEntered into evidence
Ten negative items removed in one round — collections, charge-offs, and an employer the client never worked for.
Prepared by — Score Rise UpIndividual results vary
EXHIBITB
All three bureausScore report, changes since intake
Client fileProduced in discovery
+191 pointsEntered into evidence
64 items deleted and every bureau moved — Equifax +191, Experian +108, TransUnion +62.
Prepared by — Score Rise UpIndividual results vary
EXHIBITC
All three bureausScore report, changes since intake
Client fileProduced in discovery
+113 pointsEntered into evidence
A file that opened in the 400s — 21 deletions, all three scores climbing in the same round.
Prepared by — Score Rise UpIndividual results vary
EXHIBITD
EquifaxDeletions & updates, single round
Client fileProduced in discovery
9 items struckEntered into evidence
Charge-offs and collections cleared across several lenders in a single round.
Prepared by — Score Rise UpIndividual results vary
EXHIBITE
EquifaxDeletions & updates, single round
Client fileProduced in discovery
Mortgage intactEntered into evidence
Negatives removed while the mortgage kept reporting positive — what an underwriter wants to see.
Prepared by — Score Rise UpIndividual results vary
These are actual client outcomes. What happens on your file depends on what's reporting, how much of it is inaccurate or unverifiable, and how each furnisher responds. No specific deletion, score increase, or approval is promised or guaranteed.
Exhibit D Testimony
What clients said after their rounds closed.
"I disputed on my own twice and everything came back verified. First round with Tamika, five collections were gone. I didn't know that was possible."
J. Mitchell
Charlotte, NC
"She explained every item before she touched it. I went from being scared of my credit report to reading it every month."
D. Reynolds
Completed all 3 rounds
"I got approved for my car at a rate I wasn't embarrassed by. That's the whole reason I signed up, and she got me there."
T. Walker
Auto approval after round 2
Exhibit E Your counsel
I'm Tamika. Sixteen years reading files like yours.
Not as a salesperson. As a practitioner — sitting across from people who'd been told no, reading their reports, learning what actually moves a file and what just burns ninety days.
I built Score Rise Up because both options people had were broken. Dispute it yourself with a template that gets rejected, or pay a company every month forever with no idea what they're doing. Neither one teaches you anything.
This has an end date. Ninety days, and you leave understanding your own file well enough that you don't need me again.
2X Award-Winning Mentor3X Award-Winning Tax Office2024 Entrepreneur of the Year16 Years In Industry
The final verdict Knowledge is power
Your credit deserves a strategy.
The goal isn’t to promise a perfect score. It’s to help you understand your reports, address legitimate reporting concerns, and make more informed financial decisions.
Limited-time case opening Closes Nov 30
Every good case starts with a decision.
The 90-day How To Get Away With Good Credit takeover, by Score Rise Up.
✓Credit report review across Equifax, Experian and TransUnion
✓Up to three rounds of disputes where there’s a legitimate basis
✓Educational guidance on utilization, payment history and inquiries
✓A client portal for reports, updates and action plans
✓Ongoing communication and support throughout
Promotional enrollment
Regular $447
$77
How to get away with Good Credit 90-day credit takeover
A 90-day credit education and dispute support program. Credit monitoring at $39.99/mo is required and billed separately by the monitoring service. Review the full enrollment terms before purchasing.
✓You have collections, charge-offs or lates dragging your file
✓You're getting denied, or approved at terms that punish you
✓You're preparing for a car, a home, or business funding
✓You've disputed on your own and gotten nowhere
✓You'll keep monitoring active the full 90 days
Not your case
✕You want accurate, provable debts erased — that isn't this
✕You're expecting a guaranteed number by a specific date
✕You plan to open new collections while we're working
✕You won't activate monitoring or finish the intake
Exhibit G Cross-examination
Ask me the hard ones.
Is "get away with good credit" a nice way of saying something shady?
No. The campaign name is a play on words; the work runs on the Fair Credit Reporting Act, which gives you the right to challenge information that's inaccurate, incomplete, outdated, or that the company reporting it can't verify. Accurate, verifiable debts stay — nobody can lawfully remove those, and anyone telling you otherwise is selling you something. Disputes are filed only where there's a legitimate basis to challenge what's being reported.
What does the $77 cover?
The full 90-day Credit Takeover: report review across all three bureaus, up to three dispute rounds where there's a basis to file, educational guidance, your client portal, and support throughout. One payment, not a monthly program fee. The $39.99/mo is separate and goes to the monitoring service — I don't bill it and I don't take a cut of it.
Why do I have to pay for monitoring?
Disputes get worked off what's reporting today, not a PDF from three weeks ago. Monitoring gives me live access to all three bureaus, so I catch a deletion the day it posts and escalate accurately in rounds two and three. It stays on the full 90 days. Activate it here.
How many points will my score go up?
I won't give you a number, and be careful with anyone who does. Not every deletion increases a score, and not every high score means a lender approves the application. Movement depends on what's reporting, how much of it is challengeable, and what stays. What I commit to is the work, done properly and documented.
How fast do I see something?
Updated reporting is reviewed during scheduled reimports, generally around 35 days after a dispute round — subject to reporting and investigation timelines, which aren't mine to control. You see each round's findings as they come in, not everything at the end.
What happens when the 90 days are up?
You get your closing review and your plan for building beyond the dispute, and the $77 is done — there's no renewal. If items remain and you want more rounds, those are available separately. You can cancel monitoring once the program closes out.
What do you need from me?
Two things, both on day one: activate monitoring, then complete the intake form, in that order. After that, forward any mail the bureaus send you and don't take on new collections. The letters, tracking and escalation are mine.
Is $77 going to come back after Black Friday?
No. Promotional enrollment is available through November 30, 2026. After it closes, the next enrollment goes in at standard pricing.
Closing argument
Knowledge is power.
Ninety days from now you'll either understand what your credit report is telling you, or you'll still be guessing. Promotional enrollment closes November 30.
Plus $39.99/mo credit monitoring · Cart closes Monday Nov 30, 11:59pm ET
Case notes Read the fine print
Read the fine print.
Results vary by consumer. No specific deletions, score increases, credit approvals, financing or other outcomes are guaranteed. Accurate, current and verifiable negative information may remain on credit reports, and removing an entry from a credit report does not by itself eliminate an underlying debt.
Credit monitoring is separately required and carries its own cost, billed by the monitoring provider. Dispute and reporting timelines vary and are set by the credit reporting agencies and furnishers, not by Score Rise Up. Review all written service terms, cancellation rights and payment requirements before enrolling.
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