FundCharm / Personal Credit
Credit Sweep Program
Negative items don’t have to define your next chapter.
A focused program designed to pursue removal of all eligible negative items that are inaccurate, incomplete, outdated, or unverifiable—with potential results as early as 60 days.
Free analysis. No obligation. A plan built around your report.
60 days is a potential earliest-results timeframe, not a guarantee or typical outcome. Some cases take longer. No deletion or score increase is guaranteed. Accurate, current negative information cannot legally be removed simply because it is negative.
A fresh look at your report
Find what’s holding you back.
Start with a review—not a promise. We look at the facts behind each item and the next steps available to you.
Collections & charge-offs
Late payment reporting
Duplicate or incorrect accounts
Outdated negative information
Identity-related reporting errors
Inaccurate balances & account status
Items are reviewed for dispute eligibility. A negative item is not automatically an error, and not every account qualifies for removal.
A focused plan. A personal approach.
01 / Review
Your free credit analysis
Review your report, concerns, and goals with FundCharm before deciding whether to enroll.
02 / Strategy
Dispute eligible items
If you enroll, your written agreement defines the services. We help prepare fact-based disputes for eligible reporting issues.
03 / Progress
Review the responses
Track bureau and furnisher responses, review updates, and discuss appropriate follow-up and credit-building steps.
See the difference
Client experiences, in their own words.
Read six submitted client testimonials and explore the results shared by FundCharm. Past outcomes don’t predict yours.
Before you take the next step.
Your next chapter starts with clarity.
Let’s review your credit report, identify what can be disputed, and map out your next steps.
Start Free Credit AnalysisFree analysis. No obligation. Appointments in Eastern Time.
Results vary. No deletion, score increase, funding approval, or completion date is guaranteed. Accurate, current negative information cannot legally be removed simply because it is negative.