Full-Spectrum Services

Restore, Rebuild, and Access Capital

From credit report disputes to business funding strategies — every service is law-based, AI-accelerated, and backed by human expertise. One platform. One standard.

The 4-Pillar System

Everything we do follows a proven, repeatable framework. Dispute what's wrong. Rebuild what's broken. Optimize for your goals. Fund your future.

01
📋

Dispute

Systematic challenges across Equifax, Experian, and TransUnion under FCRA & FDCPA. We target inaccurate, unverifiable, and obsolete negative items with law-based letters.

02
🏗️

Rebuild

Strategic tradeline optimization, secured card laddering, authorized user programs, and payment history reconstruction to build credit from the ground up.

03
📊

Optimize

Goal-based reverse-engineering of your target score. Mortgage readiness, auto financing prep, credit card tier upgrades — every strategy is purpose-built for your outcome.

04
💰

Fund

Business credit setup, 0% credit stacking, regional bank relationship deposits, and capital access through our funding partner network — including our IDIQ partnership.

Every Service, Explained

Each of our plans includes the tools and support you need. Details on what's included at each tier.

Credit Report Disputes All Tiers

Systematic challenges against inaccurate, unverifiable, and obsolete negative items across all three bureaus — Equifax, Experian, and TransUnion — under FCRA, FDCPA, and 20+ additional statutes.

  • 3-bureau analysis & dispute strategy
  • Inaccurate, unverifiable, obsolete items
  • FCRA & FDCPA compliance enforcement
  • Creditor intervention letters
  • 8-wave automated dispute engine

Credit Building Program Accelerator+

Strategic tradeline optimization, secured card placement, and authorized user programs designed to build strong credit from the ground up or accelerate recovery after disputes.

  • Secured card placement guidance
  • Authorized user tradeline strategy
  • Credit mix optimization
  • Payment history reconstruction
  • Utilization management

Regulatory Escalation Accelerator+

When creditors won't cooperate, we escalate through the CFPB, state AG offices, and regulatory bodies to enforce your rights under federal and state consumer protection laws.

  • CFPB complaint drafting & filing
  • State Attorney General escalation
  • Formal violation notices
  • FCRA 611/623 compliance letters
  • Legal coordination when needed

Business Credit Setup Elite

Establish and build business credit separate from your personal profile — DUNS number, EIN credit, vendor tradelines, and business credit scores on Dun & Bradstreet and Experian Business.

  • DUNS number registration
  • EIN credit establishment
  • Vendor tradeline setup
  • Business credit scores (D&B, Experian)
  • LLC structuring guidance

Monitoring & Protection All Tiers

Ongoing credit monitoring across all three bureaus with real-time alerts for score changes, new hard inquiries, account activity, and potential identity theft indicators.

  • 3-bureau continuous monitoring
  • Real-time score change alerts
  • New inquiry notifications
  • Account activity tracking
  • Identity theft indicators

Custom Credit Strategy Accelerator+

Personalized roadmap based on your specific goals — mortgage approval, auto financing, business funding, or credit card optimization. We reverse-engineer your target score.

  • Goal-based score target setting
  • Mortgage readiness assessment
  • Auto financing preparation
  • Credit card tier optimization
  • Reverse-engineered action plan

🏢 Proudly partnered with IDIQ — one of the nation's leading credit restoration platforms. This partnership gives Untapped FS clients access to enterprise-grade dispute technology, compliance infrastructure, and a proven track record across thousands of successful credit profiles.

Ready to Transform Your Credit?

Get a free assessment of your credit reports. We'll show you exactly what can be removed and build a custom roadmap — at no cost.

Start Free Assessment →