Nashville, Tennessee

Your credit report shouldn't be held hostage by errors.

We remove inaccurate post-bankruptcy and chargeoff reporting using the Fair Credit Reporting Act. You don't pay until we win.

⚖ FCRA-compliant disputes
◈ Metro 2 compliance strategy
○ 100% contingency — you pay nothing upfront
10 Years bankruptcy stays on your report
30 Days bureaus must verify or remove disputed items
7 Years chargeoffs can legally remain — but only if accurate

How we differ from typical credit repair

Typical credit repair

  • Monthly subscription fees regardless of results
  • Generic dispute letters sent in bulk
  • No specialized post-bankruptcy expertise
  • No verification of Metro 2 compliance
  • Volume-focused, not outcome-focused

CreditBridge

  • Zero upfront cost — we earn only when you win
  • Metro 2 compliance challenges — force creditors to prove accuracy
  • Post-bankruptcy and chargeoff specialization
  • Direct disputes under FCRA § 611 with bureau escalation
  • Result-focused: we track your outcome, not just our process

The Metro 2 advantage

Every piece of credit data must be reported in Metro 2 format — the standardized format all three bureaus use. When an account fails to meet Metro 2 compliance standards, it must be removed.

We don't just dispute. We challenge creditors to certify their reporting is in full compliance with FCRA requirements, Metro 2 format standards, and CDIA guidelines. If they can't verify — they have to delete.

01

Review your report

Identify Metro 2 violations and inaccurate entries

02

Challenge the creditor

Require certification of factual, compliant reporting

03

Bureau escalation

FCRA § 611 enforcement if verification fails

Built for people rebuilding after financial difficulty

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Post-bankruptcy expertise

Most credit repair ignores the specific challenges of post-bankruptcy credit files. We live there.

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Contingency structure

You pay nothing unless we successfully remove inaccurate items. Our incentive is aligned with yours.

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Legal framework

FCRA, Metro 2 standards, CDIA guidelines — we use the law as designed, not as a marketing claim.

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No empty promises

We don't promise to remove accurate items. We focus on what the law actually requires to be removed.

Inaccurate credit reporting is fixable.
You have the law on your side.

The Fair Credit Reporting Act gives you the right to challenge what's wrong. CreditBridge Consulting exists to exercise that right on your behalf — methodically, legally, and with your interests first.