Credit Report Review
A line-by-line review of your Equifax, Experian and TransUnion reports so you know what is reporting, what looks inaccurate and what is simply negative but accurate.
Credit & financial readiness
Know what lenders and screeners may see.
Review your starting point before you submit another application. RoseFAS helps you read your reports, find what is holding you back, and build a plan you can follow.
What we help with
Credit services built around your next application.
Every service starts with your actual credit reports and the goal you are preparing for.
Credit Readiness Assessment
An educational score range and the factors affecting it, matched to the goal you are working toward.
Start the assessment →Disputes of Inaccurate Items
Written disputes of information that is inaccurate, incomplete or unverifiable, with tracking of every bureau and furnisher response.
Denial Review
We read the adverse action notice with you, identify the reasons given and plan the next step before you apply again.
Start a denial review →Homebuyer Credit Preparation
Credit, utilization and debt-to-income preparation before you speak with a mortgage professional.
Credit Building & Education
Plain-language coaching on payment history, utilization, account age and new credit so progress lasts.
Open the credit tools →How it works
A clear process from first review to ongoing support.
Free consultation
We talk through your goal and timeline, and explain our services and fees before you enroll.
Report review
We review all three reports with you and agree on which items are worth disputing and why.
Dispute rounds
We send disputes for items that appear inaccurate, incomplete or unverifiable, and track every response.
Build and maintain
You get a plan for payments, utilization and new credit so your profile keeps improving.
Your rights
Know your rights before you hire anyone.
Federal law protects you when you work with a credit repair organization. RoseFAS follows these rules with every client.
- You can dispute inaccurate information with the credit bureaus yourself, at no cost.
- You receive a written contract that lists the services, total cost and estimated timeline.
- You may cancel within 3 business days of signing, without penalty.
- No fee is charged for credit repair services before those services are performed.
- No one can legally remove accurate, timely negative information.
Avoid credit shortcuts
Never use a CPN, a different Social Security number, or a new identity to "start over." These schemes can lead to denial, financial loss and legal consequences. RoseFAS only pursues legitimate options.
Questions
Common credit questions.
How long does it take?
Bureaus usually have 30 days to investigate each dispute. Most plans run in monthly rounds, and timelines depend on your reports.
Can you guarantee a higher score?
No. Results depend on what is reporting and how bureaus and furnishers respond. We never promise a score, deletion or approval.
Do I need credit monitoring?
Yes. An active monitoring account lets us see updated reports after each round. We will help you choose one.
Ready to see where your credit stands?
Start with the free assessment, then talk with RoseFAS about a plan.