Educate & Restore Credit
Specialty Bureau Dispute & Cleanup
ChexSystems • EWS • Innovis • NCTUE • LexisNexis
Mon–Fri 9am–6pm EST
FCRA Compliant Dispute Process
No Hidden Fees
30–90 Day Results
Educate & Restore Credit
Specialty Bureau Dispute & Cleanup
ChexSystems • EWS • Innovis • NCTUE • LexisNexis
Mon–Fri 9am–6pm EST
FCRA Compliant Dispute Process
No Hidden Fees
30–90 Day Results
Specialty Bureau Dispute & Cleanup Services

The Hidden Files That Are
Blocking Your Financial Life

Most people have never heard of ChexSystems, TeleTrack, or LexisNexis. But these specialty databases are quietly denying you bank accounts, loans, rentals, and more — and you have the federal right to dispute every one of them.

✨ Start Cleaning My File See All 20+ Bureaus
20+
Specialty Bureaus
$0
Upfront Ever
30-Day
FCRA Window
100%
CROA Compliant
The Problem

Denied — And Don’t
Know Why?

Equifax, Experian, and TransUnion are just the beginning. There are 20+ specialty consumer reporting agencies quietly collecting data about you.

🏚

Can’t Open a Bank Account

ChexSystems, TeleCheck, TeleTrack, and EWS are used by nearly every U.S. bank. One negative entry can get you denied everywhere.

🏠

Rental Applications Rejected

Landlords use CoreLogic SafeRent and LexisNexis. Inaccurate eviction records or address data can follow you for years.

💳

Loan Denied by Alt Lenders

FactorTrust, Clarity, TeleTrack, and DataX score you for payday and installment loans. Errors here block emergency credit.

📋

Checks Declined at Stores

Certegy and CrossCheck are used by grocery stores and pharmacies. A negative entry means checks declined at the register.

🔍

Your Data Sold Everywhere

LexisNexis, Verisk, and Ansonia aggregate your public records and payment history — and sell it to lenders, insurers, and landlords.

⚡

Utility & Telecom Shutoffs

NCTUE tracks your utility payment history. Poor records result in security deposits or service being denied entirely.

The Bureaus

20+ Specialty Bureaus
We Clean for You

These are the specialty and third-party consumer reporting agencies that affect your financial life — and that most people have never disputed or frozen.

ChexSystems
Used by 80%+ of U.S. banks. Tracks overdrafts, returned checks & account closures.
Banking
TeleCheck (Fiserv)
Real-time check verification at retail POS. Negative entries cause check declines.
Check Verify
TeleTrack
Used by payday, rent-to-own & subprime lenders. Contains loan application history.
Alt Lending
LexisNexis Risk
Aggregates public records, court filings & address history for financial and insurance screening.
Data
Innovis
The 4th credit bureau. Collects credit data used by lenders under FCRA security freeze rights.
Credit Data
NCTUE
Tracks utility & telecom payment history. Used by phone carriers & utility companies.
Utilities
SageStream
Used by alternative financial providers. Contains alternative credit data for thin-file consumers.
Alt Credit
Early Warning (EWS)
Co-owned by major banks. Operates Zelle fraud database & bank account screening.
Banking
MicroBilt
Used by landlords, utilities & subprime lenders. Tracks payday loan and payment history.
Alt Lending
CoreLogic
SafeRent tracks rental & eviction history. Credco used in mortgage underwriting.
Rental
Clarity Services
Experian company. Used by non-traditional lenders. Contains alternative credit data.
Alt Credit
Verisk Financial
Insurance industry data, claims history & financial risk records.
Insurance
FactorTrust
TransUnion-owned. Used by fintech and short-term lenders. Tracks repayment history.
Alt Lending
DataX (LexisNexis)
Used by payday lenders & check cashing companies to screen applicants.
Alt Lending
Certegy (Fiserv)
Check verification at grocery stores, pharmacies & retailers nationwide.
Check Verify
CrossCheck, Inc.
Check guarantee & verification for retail, healthcare & service businesses.
Check Verify
ARS
Advanced Resolution Services. Alternative credit data for thin-file consumers.
Alt Credit
PRBC
Tracks rent, utility & phone payments for thin-file credit building and screening.
Alt Credit
Ansonia Credit Data
Used in commercial and B2B credit decisions. Tracks trade payment history.
Commercial
OptOutPrescreen
Federal opt-out registry removing you from pre-approved credit & insurance offers.
Opt-Out
Why It Matters

What a Clean File
Unlocks for You

01

Open a bank account — and keep it

A ChexSystems or EWS entry can ban you from banking for up to 5 years. We dispute errors, place freezes, and restore your access to mainstream banking.

02

Stop check and retail declines

TeleCheck, Certegy, and CrossCheck entries cause real-time declines at the register. We dispute inaccurate entries so your checks clear where they should.

03

Qualify for housing and rentals

CoreLogic eviction and rental data follows you for 7 years. We dispute inaccurate records so your past doesn’t unfairly block your next home.

04

Access emergency and alternative credit

FactorTrust, Clarity, TeleTrack, and DataX determine access to short-term credit. Clean records mean more options and better terms.

05

Control what data brokers know

LexisNexis and Verisk sell your public records and address history to anyone who pays. We help you opt out and dispute inaccuracies at the source.

06

Stop identity theft from spreading

Security freezes across 20+ specialty bureaus lock your data so identity thieves can’t open new accounts using your information.

“I had no idea ChexSystems even existed until every bank turned me down. One entry from 4 years ago was ruining everything.”

— Common client situation

×
Bank account application denied
×
Zelle / EWS fraud flag on file
×
Payday loan application blocked
×
Check declined at grocery store
×
Apartment rental application rejected
×
Utility deposit required — $300+
How We Work

Done-for-You.
Start to Finish.

You hand us your documents. We handle every bureau — requests, disputes, freezes, opt-outs, and escalations. No homework for you.

Step 01

Intake & Authorization

You sign our CROA-compliant service agreement and authorization form. 3-day right to cancel applies.

Step 02

Request All Reports

We submit disclosure requests to every bureau on your plan by mail, online, or phone.

Step 03

Review & Dispute

We analyze every report, identify disputable items, and send certified FCRA dispute letters.

Step 04

Freeze & Opt-Out

We place security freezes on all selected bureaus and submit your OptOutPrescreen opt-out.

Step 05

Follow Up & Deliver

We track every response, escalate to CFPB if needed, and deliver a full written summary of all actions taken.

CROA Compliant
FCRA Dispute Rights
No Upfront Fees
Certified Mail Tracking
3-Day Right to Cancel
Investment

Simple, Flat-Fee Pricing

You pay nothing until all services are fully delivered. No monthly retainers. No hidden fees. No surprises.

Basic
$297
one-time fee
Bureaus Covered
  • LexisNexis
  • SageStream
Included Services
  • Report request & initial cleanup
  • AnnualCreditReport.com pull
  • OptOutPrescreen enrollment
  • DoNotCall.gov registration
Get Started
Most Popular
Standard
$397
one-time fee
Bureaus Covered
  • ChexSystems
  • Early Warning Services
  • LexisNexis
  • SageStream
  • NCTUE
Included Services
  • Everything in Basic
  • Security freeze requests
  • Dispute letter filing
  • Progress tracking & updates
Get Started
Premium
$497
one-time fee
Full Coverage — All 20+ Bureaus
  • All bureaus in Standard
  • TeleCheck, Certegy, CrossCheck
  • TeleTrack, MicroBilt, Clarity
  • CoreLogic, FactorTrust, DataX
  • Verisk, Innovis, Ansonia & more
Included Services
  • Everything in Standard
  • CFPB escalation if needed
  • Full written summary report
  • Priority support & follow-up
Get Started
Apply Now

Start Your Bureau Cleanup

1
Package
2
Your Info
3
Authorization
4
Review

Choose Your Package

Select the coverage level that fits your situation. You pay nothing until services are fully delivered.

Basic
$297
LexisNexis + SageStream
Most Popular
Standard
$397
5 Major Bureaus
Premium
$497
All 20+ Bureaus
Please select your primary concern.

Your Information

We need this to pull your specialty bureau reports and file disputes on your behalf.

Required.
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Valid email required.
10-digit phone required.
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5-digit ZIP required.
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4 digits required.

Authorization & Agreement

Please read and acknowledge the following before we begin your cleanup.

By enrolling in this service, you authorize Educate & Restore Credit to submit disclosure requests and dispute letters to specialty consumer reporting agencies on your behalf, including but not limited to ChexSystems, Early Warning Services, LexisNexis, NCTUE, Innovis, TeleCheck, Certegy, CrossCheck, CoreLogic, MicroBilt, Clarity, FactorTrust, DataX, SageStream, Verisk, Ansonia, ARS, PRBC, and OptOutPrescreen.

Review & Confirm

Please confirm your order details before submitting.

Package
Name
Email
Phone
Address
Primary Concern
Fee
✓

Application Received!

Thank you for enrolling in our Bureau Cleanup service. Our team will reach out within 1 business day to begin your full specialty bureau audit and dispute process.

FAQ

Common Questions

What is ChexSystems and why does it matter?+
ChexSystems is used by over 80% of U.S. banks to screen new account applicants. If you have a negative entry — even from an old overdraft or account closure — banks can deny you a checking or savings account. A record can stay on file for up to 5 years.
What's the difference between specialty bureaus and the big 3?+
Equifax, Experian, and TransUnion track traditional credit. Specialty bureaus like ChexSystems, TeleCheck, LexisNexis, and NCTUE track banking behavior, check writing, utilities, rentals, and more. You can have clean credit and still be denied at every bank due to a specialty bureau record.
How long does the process take?+
FCRA requires bureaus to complete investigations within 30 days (45 days in some cases). Most clients begin seeing results within 30–90 days. We handle all follow-up and escalate to the CFPB if bureaus fail to respond properly.
Do I pay anything upfront?+
No. Per CROA (the Credit Repair Organizations Act), we cannot charge you until all services in your package have been fully performed. You also have a 3-day right to cancel after signing your service agreement.
Can you guarantee my records will be removed?+
No credit repair or dispute service can legally guarantee removal. We dispute every inaccurate, unverifiable, or improperly reported item and use our full process to maximize your results — but outcomes depend on the individual record and the bureau's investigation.
What if I don't know which bureaus have negative records?+
That's exactly why we recommend starting with our Standard or Premium package. We pull your reports from every bureau included in your plan and identify all negative items. Most people don't know what's in these files until something gets denied.

Stop Being Blocked by
Files You've Never Seen

One flat-rate program. 20+ specialty bureaus. No hidden fees. Results in 30–90 days.

Start My Bureau Cleanup →

ERC is a credit services organization. We operate in compliance with the Credit Repair Organizations Act (CROA) and the Fair Credit Reporting Act (FCRA). Results vary. No specific outcome is guaranteed.