DELETE
BAD
CREDIT.
GET APPROVED.
The 86 Bad Credit™ Method removes collections, charge-offs, late payments, and unauthorized inquiries from all 3 bureaus — fast, legal, FCRA-backed.
EVERYTHING KILLING
YOUR SCORE — DELETED
The 86 Bad Credit™ Method attacks every negative item across all 3 bureaus simultaneously using FCRA-backed strategies and Metro 2 compliance.
THE NUMBERS
DON'T LIE
Real clients, verified on Trustpilot. These are outcomes — not testimonials we wrote ourselves.
FROM LOW 500s
TO THE HIGH 700s.
Credit wasn't something I was taught growing up. By the time I understood how important it was, I was already buried in collections and charge-offs — constantly denied, embarrassed, stuck.
I spent years learning the law, testing dispute strategies, rebuilding the right way. When I finally hit the high 700s, everything changed — top cards, travel rewards, business credit. Denied for nothing.
That's why I built Hospitality Approval Pros™. No judgment. Just results.
Started in the Low 500s
Buried in collections, denied everywhere, no idea where to start.
Learned the FCRA Inside Out
Mastered dispute strategies, Metro 2 compliance, and how bureaus really work.
Hit the High 700s
Top cards, travel rewards, business credit. Denied for nothing.
Built the 86 Bad Credit™ Method
Packaged everything into a proven system — now available to you.
HOW IT WORKS
Three bureaus. One proven system. Zero confusion.
Onboard & Pull Report
Complete your client intake form, set up credit monitoring via ScoreFusion, then book your call. We audit your full 3-bureau report live.
Dispute & Delete
FCRA-backed letters sent certified mail to all 3 bureaus. Round by round until every disputable item is gone.
Rebuild & Get Approved
As negatives fall off, we layer in credit-building strategies to push your score up — and get you approved for what you deserve.
📊 Start Here — Pull Your Credit Report
Complete your client intake then sign up for ScoreFusion ($25/month) before your free consultation. This gives us live 3-bureau data to audit your file in real time on your call.
REAL PEOPLE.
REAL RESULTS.
Every review unprompted and verified on Trustpilot.
"He helped my score go up almost 200 points in just a few months. Make an appointment — you won't regret it!"
"Super professional and got a collection deleted in less than 30 days!!! Amazing."
"Knowledgeable, professional, and genuinely cares about helping clients achieve their goals. Rian is the person to trust."
"Transparent, responsive, and organized and stress-free from day one. Five stars without hesitation."
"Rian made me feel comfortable by guiding me step by step. If you need help with your credit — reach out."
"Always resourceful and doesn't stop until what he promises comes to fruition. Excellent to work with!"
TWO PLANS.
ZERO SURPRISES.
CROA-compliant — you only pay for work already done. No long contracts on the Gold Plan.
Credit monitoring is required for both plans and is not included. We recommend ScoreFusion at $25/month. Pull your report first, then book your free audit before selecting a plan.
- ✓3-bureau credit audit & strategy session
- ✓Dispute letters — all 3 bureaus
- ✓Collections, charge-offs & late payments
- ✓Unauthorized inquiry removal (FCRA §1681b)
- ✓Certified mail handling & tracking
- ✓Round 1 + Round 2 disputes included
- ✓CFPB escalation path if needed
- ✓Monthly progress updates
- ✓No long-term contract — cancel anytime
- ✓Everything in the Gold Plan
- ✓Priority processing — disputes sent first
- ✓Full 6-month roadmap for your file
- ✓Aggressive multi-round dispute strategy
- ✓Credit-building tool recommendations
- ✓Bi-weekly check-ins with Rian
- ✓CFPB & attorney escalation if needed
- ✓Direct access to Rian throughout
QUESTIONS?
WE GOT ANSWERS.
Straight talk — no fluff.
Many clients see their first deletion within 30 days. Full restoration typically takes 3–6 months depending on the number of items and bureau cooperation. We keep you updated at every step.
ScoreFusion gives us live 3-bureau access to track every deletion and score change in real time. Required before your audit call at $25/month — separate from your plan. Sign up using our ScoreFusion link.
We dispute items that are inaccurate, unverifiable, or reported without proper documentation. If a furnisher can't prove the item with competent evidence — which happens more than you'd expect — it must be removed under the FCRA. Everything we do is 100% legal.
Gold Plan: $150 start, then $99/month with no contract. Cancel anytime. The 6-Month Elite Package is $499 for priority service, bi-weekly check-ins, and direct access to Rian throughout. Multiple items to dispute? Elite is the better value.
100% legal. We operate under the FCRA and fully comply with CROA. Every dispute is grounded in federal law. We never advise anything fraudulent or recommend creating new credit identities (CPNs).
Government-issued photo ID, proof of address (utility bill or bank statement within 60 days), and active ScoreFusion monitoring. Onboarding takes about 20 minutes on your first call.
We don't stop at Round 1. We escalate with an aggressive Round 2 letter demanding the method of verification and citing specific FCRA violations. If that fails, we guide you through a CFPB complaint — pulling your case out of the automated system entirely.
Yes. No long-term contract on the Gold Plan. Cancel anytime with written notice. Per CROA you also have a 3-business-day right to cancel after signing. The 6-Month Package is non-refundable after the 3-day window.
COMEBACK
STARTS NOW
Pull your report, complete your intake, and book your free consultation. We'll audit your file live and build your personalized dispute roadmap.
Free consult · No commitment · Results in as little as 30 days