Solar loan reporting first, and everything else on your report.
Solar financing is where most of our work is, so it leads the list below. Pick the program that matches what you are seeing for a full explanation of how it may affect you, what we review, and how to start. Not every negative item can or should be removed. Our job is to find what may be inaccurate, incomplete, or unverifiable.
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Solar Loan Review
Solar financing is often large, long, and passed between several companies. We review your loan documents against how the account appears on your reports.
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Late Payments
A single late mark can weigh on your payment history. We compare what is reported against your bank records, autopay changes, and any hardship or deferment agreements.
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Collections
When a debt is sold and resold, details get lost. We check who is reporting it, the balance, and the dates, and look for the same debt listed more than once.
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Charge-Offs
A charged-off account can still be reported with the wrong balance or status after it was sold or settled. We review the full account trail across all three reports.
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Medical Collections
Insurance delays and billing errors can push medical bills into collections. We compare itemized bills and insurance statements with how each account is reported.
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Repossessions
A repossession can create more than one entry, including a deficiency balance or a related collection. We follow the numbers to make sure each one is reported accurately.
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Bankruptcy-Related Reporting
After a discharge, some included accounts may still show a balance or a past-due status. We check each one against your bankruptcy paperwork.
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A clear, four-step process
Every situation is different, so timelines and outcomes vary. Here is what you can expect from us along the way.
Review Your Accounts
We review the information and documents you provide to understand your concerns.
Create Your Personalized Plan
We identify priorities and explain the proposed next steps.
Address Eligible Disputes
With your authorization, we assist with appropriate disputes and follow-up, requesting additional information when needed.
Support Your Credit Rebuilding
We explain the results and practical steps that may support healthier credit habits.
You have the right to dispute inaccurate information directly with the credit bureaus at no cost. Working with Royal Freedom is optional. We do not guarantee deletions, approvals, debt elimination, score changes, or a specific timeline.
Not sure which program fits?
Tell us what you are seeing on your reports. We will review your answers and help you understand the appropriate next steps.
Review Your Situation