Whether you're recovering from a tough season or working toward a major financial goal, we help you understand your credit, dispute what's wrong, and build a strategy that actually moves the needle.
Your credit score touches almost every part of your financial life — what mortgage you can get, what apartments you can rent, what jobs may consider you, and how much you pay for car insurance. When inaccurate items, old mistakes, or identity theft drag your score down, the cost over time adds up fast.
Frelot Tax Notary helps you understand exactly what's on your reports, dispute items that are inaccurate or unverifiable, and build the kind of healthy credit profile that opens doors. We are direct and honest: no one can legally remove accurate, verifiable negative information, and anyone who promises that is likely operating outside the law. What we can do is dispute what's incorrect, help you build positive history, and coach you through the habits that turn a score around.
We tell you what credit repair can and can't do. No promises to remove accurate items, no inflated guarantees, no shady tactics.
Our pricing structure follows the federal Credit Repair Organizations Act. You only pay for work performed — no upfront fees for promised future results.
We work with all three credit bureaus and review every line of every report — many issues only show up on one bureau and can be missed.
Removing bad items only goes so far. Real credit growth comes from positive history — we help you build it the right way.
If you've been a victim of identity theft, we'll help file FTC affidavits, freeze reports, dispute fraudulent accounts, and lock things down.
Real credit repair is a marathon, not a sprint. We set honest expectations: meaningful progress takes 60–180 days, and lasting growth takes longer.
We pull (or you provide) your three credit reports and walk through every account, balance, and negative item line by line. Together we identify what's wrong, what's right, and what your goals are.
For inaccurate, outdated, or unverifiable items, we draft custom dispute letters. We do not use templated mass-mail tactics that bureaus often dismiss.
We send disputes, track responses (typically 30–45 days per round), escalate with method-of-verification requests where appropriate, and keep you updated.
In parallel, we coach you on credit utilization, on-time payments, secured card strategy, and authorized-user opportunities — the actions that grow your score long-term.
No — and neither can anyone else, legally. Accurate, verifiable negative items (late payments, charge-offs, collections you actually owe) typically remain on your report for 7 years. What we can do is dispute items that are inaccurate, outdated, or unverifiable, and help you build positive history that improves your overall score over time.
Initial dispute results typically come back within 30–45 days per round. Most clients see meaningful changes in 60–180 days, but full credit rehabilitation often takes 6–12+ months depending on what's on your report and your starting point.
We bill on a per-service or monthly basis depending on the scope of work. Per the federal Credit Repair Organizations Act, we cannot charge upfront fees for future-promised results — you pay for work as it's performed. We'll quote you specifically after the consultation.
Filing a legitimate dispute does not hurt your score. While an item is under investigation, it may temporarily be flagged "in dispute," which some lenders view neutrally. If a dispute results in removal, your score typically improves.
No — in fact, the opposite is usually better. Continuing to make on-time payments and keeping balances low (under 30% of limits, ideally under 10%) builds positive history that's often more impactful than any single dispute outcome.
We'll help you file an FTC identity theft affidavit, place fraud alerts and credit freezes, dispute fraudulent accounts directly with the bureaus and creditors, and develop a recovery plan. Identity theft cleanup is one of the strongest legitimate uses of dispute rights under the FCRA and FACTA.
Take the first step today — fill out our intake form and we'll be in touch within 24–48 hours.