Our Story

AI-Enhanced. Human-Guided.
Legally-Backed.

We built Untapped FS for the 80% of Americans who don't have time to navigate credit law alone — and shouldn't have to overpay for the privilege.

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Ian Walcott — Founder

Why We Built It This Way

The credit repair industry has two extremes. We created a third option.

AI apps are great at automation but terrible at strategy. They can't negotiate. They can't spot legal violations. And when something goes wrong, there's nobody to call.

Traditional companies have the expertise — but they charge premium prices for processes that should be faster and cheaper with modern technology.

So I built the middle ground: AI for speed and efficiency. Humans for strategy and accountability. Legal backing for results that stick.

— Ian Walcott, Founder

How We Work

Three Pillars. One Standard.

Every client gets the full spectrum of technology, human expertise, and legal advocacy.

🤖

AI-Powered Speed

We scan credit reports across all 3 bureaus, identify every disputable item, draft legally-grounded letters, and track every response. What takes others weeks takes us days.

👤

Human Strategy

Every dispute is reviewed by a real credit specialist before it goes out. We negotiate with creditors, spot violations, and escalate when needed. No chatbots. No dead ends.

⚖️

Legal Foundation

All disputes are grounded in the FCRA, FDCPA, and CFPB guidelines. When creditors don't comply, we file formal complaints through regulatory channels.

Credentials & Trust

Licensed. Bonded. Compliant.

We operate with full regulatory compliance. Your information and results are protected by law.

📋 Licensed Producer

Ian Walcott — Licensed & CROA Compliant

Full compliance with all state and federal regulatory requirements.

🏛️ CROA Compliant

Full compliance with the Credit Repair Organizations Act. Transparent pricing, written contracts, and 3-day cancellation rights on all plans.

🔐 Data Security

256-bit SSL encryption on all connections. Your personal and financial information is never shared, sold, or stored beyond what's required for dispute processing.

✅ 90-Day Guarantee

If you're not satisfied within 90 days, we'll refund your payments. No questions asked. No prorated fees. No long-term contracts required.

🏢 Walcott Marketing & Investments LLC — Margate, Florida. Proudly partnered with IDIQ for enterprise-grade dispute infrastructure and compliance technology.

Professional

Professional
Credit Repair

3-bureau credit report analysis
FCRA & FDCPA law-based disputes
Certified mail with return receipts
8-wave automated dispute progression
Glowing credit report — real results
CROA Compliant

Ready to See What's Possible?

Take our 2-minute free assessment and get a personalized credit repair plan — no commitment, no credit card.

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