We read the whole report first
Nothing gets disputed before the file is read end to end. Line by line, we mark what is dragging the score down. You hear what can be challenged and what cannot.
579–762Score on file
4–0Negative marks
+113Points to a 705 FICO
Dearborn Heights, MI — clients in all 50 states
You get the deletion in writing, with a date on it.
Credit analysis, repair and building for clients in all 50 states — every removal escalated, documented and confirmed by the bureau.
Mon–Fri · 12–5 ET · 9–2 MT
What the work is
We read first, dispute second, and build after that.
Three pieces of work. Most people need all three, in order: an honest read of the report, disputes pushed until items come off, then building the score back so the gain holds.
Credit Analysis
We read the whole report before anyone disputes anything, line by line, and tell you plainly what is dragging the score down. You get a straight answer on what can be challenged and what cannot.
First review · no charge
Credit Repair
Disputes are written for your specific file, escalated when a bureau or furnisher stalls, and followed until the item is gone. Written confirmation is requested every time, so a deletion comes with a date on it.
Items removed on past files include bank cards, store cards and collections.
Credit Building
Removing negative marks is half of it — the score still has to be built back. We work with you on what goes onto the report from here so the gain holds after the deletions land.
The receipts
Here’s what came off, and when.
579–762Negative marks 4 to 0
+113To a 705 FICO
SevenDeletions on one letter
Jul 27
Complaint filed with the CFPB
Jul 29
Response received
Jul 30
Items removed
Three days
- Bank cards
- Store cards
- Collections
- Property management accounts
- Phone service accounts
A screenshot of a score is not the same thing as a letter with a date on it.
The method
Here’s how an item actually comes off.
The dispute is written for your file
No templates. Each item is challenged on the grounds that fit your report. That is slower to write and harder to wave away.
We escalate when someone stalls
A furnisher or bureau that drags gets pushed further up. On one file a CFPB complaint went in July 27, drew a response July 29, and every item was removed July 30.
The deletion comes back in writing
Written confirmation is requested after every removal. You end up holding a dated letter rather than our word for it. Most files turn around in one to two months.
Who does the work
We run this remotely, out of Dearborn Heights.
Ocean Wealth Management works one report at a time. Every file starts with an analysis — the whole report read through before a single dispute goes out. From there the disputes are written for your file rather than pulled from a template.
The practice serves clients in all 50 states from the Dearborn Heights, Michigan area. Everything happens by phone and by mail, so where you live does not change how the work gets done. Phones are open Monday through Friday, 12 to 5 Eastern and 9 to 2 Mountain.
Remote practiceAll 50 statesMon–Fri 12–5 ET / 9–2 MT
Before you call
Questions, answered.
How long does this usually take?
Most files turn around in one to two months. Some move much faster — on one documented file, a CFPB complaint filed July 27 got a response July 29 and every item was removed July 30.
Do you work with people outside Michigan?
Yes. The practice runs remotely and takes clients in all 50 states. Everything happens by phone and by mail, so where you live does not change how the work gets done.
What does the first conversation cost?
Nothing. The initial credit review is free — you tell us what is on your report, and we tell you what can realistically be challenged before you commit to anything.
How do I know an item was really removed?
We ask for written confirmation after every deletion, so you end up holding a dated letter from the bureau or furnisher rather than taking our word for it.
When can I reach you?
Monday through Friday, 12 to 5 Eastern time and 9 to 2 Mountain time. Call during those hours or send your details through the form and we will come back to you.
Get your free credit review
The first review costs nothing.
Tell us what is sitting on your report and you will hear what can actually be challenged.
Mon–Fri · 12–5 ET · 9–2 MT
Remote practice · clients in all 50 states · Dearborn Heights, MI area
Send us your details
We come back to you with what can be challenged on your file.