Credit dispute services

Welcome to Armor Rights

Our team has helped thousands of people dispute unverifiable accounts on their credit reports, including charge-offs, repossessions, collections, late payments and hard inquiries. We prepare and send the disputes on your behalf, and we keep you updated the whole way.

Typical timeline: 3–6 months
Support 24 hours, 5 days a week
Updates every two weeks

Fill out the intake form See how it works

Our mission

At Armor Rights, we believe every consumer has the right to protect themselves financially. Our credit team works on your side to protect you and your rights as a consumer. We handle the disputes and the follow-up, so you can focus on building a stronger financial future.

What we do

Negative items we can challenge

We dispute items with Equifax, Experian and TransUnion when they are inaccurate, incomplete or can't be verified.

Charge-offsAccounts written off as a loss

CollectionsDebts sold or assigned to collectors

RepossessionsAuto and property repos

Late payments30, 60, 90+ days late

Hard inquiriesCredit checks you didn't authorize

Public recordsJudgments and bankruptcies

Duplicate accountsThe same debt listed twice

Personal info errorsWrong names, addresses, employers

How the process works

Four steps from form to first results

STEP 1

Fill out the form

Give us your name, contact details and the items you want disputed. This is the information we need to open your dispute file.

STEP 2

Sign your agreement

Review and sign the Credit Repair Agreement through GHL Documents & Contracts. It authorizes us to prepare and submit disputes on your behalf.

STEP 3

Notified within 24 hours

Your agent welcomes you, completes onboarding and sends screenshots of the disputes we filed so you can see the process has started.

STEP 4

Round 1 results in 15–45 days

You'll get an email with your first round of results. Reply anytime to talk with your agent about next steps.

What to expect

Straight answers before you start

No guaranteed results

We can't promise any item will be removed. Accurate, current and verifiable information can legally stay on your report.

3 to 6 months, on average

Your timeline depends on how many negative items you have and how the bureaus and creditors respond.

Someone is always available

Our support team is available 24 hours a day, Monday through Friday. You'll always have a person to contact about your file.

Updates every two weeks

You'll get a status update on your disputes every other week, even when nothing has changed yet.

We are not a credit bureau.

Armor Rights is not Equifax, Experian or TransUnion, and we are not affiliated with them. We prepare and submit disputes on your behalf. The bureaus and your creditors decide the outcome.

Step 1

Start your dispute file

Fill this out, then sign your Credit Repair Agreement through GHL Documents & Contracts. You'll be notified within 24 hours that your process has started.

We'll never ask for your full Social Security number on this page. We collect it securely during onboarding.

Disclaimer

You can repair your credit yourself, for free

Anything a credit repair company can do legally, you can do on your own at no cost. You have the right to dispute inaccurate information directly with each bureau. When you sign our agreement, you're authorizing our team to help prepare and submit those disputes on your behalf.

Get your free reportsannualcreditreport.com CFPB credit guidesconsumerfinance.gov FTC: disputing errorsconsumer.ftc.gov Dispute with Equifaxequifax.com Dispute with Experianexperian.com Dispute with TransUniontransunion.com

Your rights as a consumer

You can dispute inaccurate information directly with Equifax, Experian and TransUnion at no cost.
You can get your credit reports for free at annualcreditreport.com.
No one, including a credit repair company, can legally remove accurate, current and verifiable information from your report.
You can cancel your agreement with any credit repair company for any reason within 3 business days of signing it.