The Silver Package is ideal for individuals with moderate negative items, such as collections, charge-offs, or inaccurate late payments, who want a structured dispute process without litigation escalation.

Most clients complete the Silver Package within 120–150 days, depending on bureau response times and creditor investigations. Results vary based on the complexity of the credit file.

If an account is verified, it becomes a compliance and procedural review issue. Under FCRA guidelines, the bureaus must be able to document how the investigation was conducted. Many deletions occur in later rounds when procedural weaknesses are identified.

Yes. Active credit monitoring is required to track changes, confirm reporting accuracy, and ensure disputes are processed correctly. Monitoring is billed separately by the monitoring provider.

Yes. Clients may upgrade to higher-tier programs if additional escalation, extended dispute cycles, or litigation-prep strategies become appropriate.

The Silver Package is paid in full and includes four locked dispute rounds, allowing time for bureau responses, follow-ups, and procedural challenges—because meaningful deletions often require multiple cycles.
