Fromdeclinedtoapproved.
Attorney-backed dispute methods that challenge inaccurate collections, charge-offs, and errors across all three bureaus — then we line up the capital, so you can fund the mortgage, the car, or your next business move.
Credit repair, without the gimmicks
No empty promises — a real dispute system, run by people who do this every day, in the language you're most comfortable in.
Attorney-backed dispute methods
Not template letters — a real dispute system with the follow-through that actually moves reports.
Built for real approvals
We work alongside mortgage brokers, realtors, and dealers to get clients from declined to approved.
Focused on what's hurting you most
Collections, charge-offs, and late payments — we go after the negative items actually dragging your score down.
Repair and funding under one roof
Fix the credit, then unlock HELOCs, business lines, term loans, and 0% stacking when you're ready.
The dispute, made visible
See exactly what we go after
We pull all three bureaus and flag what's holding your score down. Inaccurate, outdated, or unverifiable items get formally challenged — and you watch them clear off, item by item.
- Every negative item reviewed across Equifax, Experian & TransUnion
- Attorney-backed disputes on anything inaccurate or unverifiable
- Track each item from in-dispute to cleared in your portal
Credit score
ClimbingIllustrative — results vary.
Repair the credit that's holding you back
Attorney-backed dispute programs — from an aggressive 30-Day Sweep to multi-month plans built for lasting results.
- Standard Credit Repair$1,500
- 30-Day Sweep$2,500
Credit ready?
Capital opens up.
Once your profile is approval-ready, we match you to the capital that actually fits — for the home, the vehicle, or the next move in your business.
- HELOC
- Hard Money
- Private Money
- Cash Out Refi
- Short Term Working Capital
- Line of Credit
- Term Loan
- Credit Card Stacking
- Revenue-Based / MCA
- SBA Loan
The clients you decline, handed back ready to close.
Capova isn't just credit repair — it's a branded portal. Send the buyer credit just killed; we repair it under your name, you both track every step live, and the moment they're loan-ready they're back on your desk to close the deal you wrote off.
- Your own tracked QR + linkEvery referral is attributed to you automatically — no codes to remember.
- Live status on every clientWatch each one move from intake to loan-ready. Never chase an update again.
- A “ready to close” pingWe alert you the second a client is back and ready for you to close.
- Free, and the client stays yoursNo cost to join, no fees either way — the payoff is the deal you recover.
Good morning, Marcus
Sunrise Auto Group · Dealer Partner
Ready to close (2)
Maria Lopez
Ready 2h ago
3
In repair
2
Ready
5
Recovered
Andre Wallace
Loan-readyPriya Shah
In repairDevon Carter
Intake doneIllustrative sample — not real client data.
A clear path from where you are to approved
- 1
Free consultation
Tell us your goal — mortgage, auto, business, or a clean slate. We review where you stand, no cost.
- 2
Custom dispute plan
We pull your reports, target inaccurate and unverifiable items, and pick the program that fits your timeline.
- 3
We do the work
Attorney-backed disputes go out, cycle by cycle, with ongoing coaching so good habits stick.
- 4
Get approval-ready
As items clear, we line you up with the right mortgage, loan, or funding partner to act on it.
Credit repair isn't magic — it's the law.
When you formally dispute an item, the bureaus have 30 days to investigate it. Here's how the dispute process actually works — and why attorney-backed disputes carry more weight.
- When you formally dispute an item, the credit bureaus generally have 30 days to investigate and verify it.
- When a disputed item can't be verified, the FCRA generally requires the bureaus to correct or remove it — outcomes depend on your report.
- Attorney-backed disputes carry weight because they're grounded in the consumer-protection laws creditors have to answer to.
Individual results vary. Credit improvement depends on each person's situation; we do not guarantee specific score increases or outcomes.
The proof is in the texts
Real messages from real clients — not stock quotes, not us talking about ourselves.
Individual results vary. Credit improvement depends on each person's situation; we do not guarantee specific score increases or outcomes.
Remote credit repair, in all 50 states
We work with clients everywhere — 100% online and by phone, coast to coast. No office visit and no driving across town; the same team handles your file wherever you are.
Credit repair questions, answered straight
It depends on where you're starting. Our 30-Day Sweep is a true 30-day program for clients who need fast results before a mortgage or loan decision, while Standard Credit Repair runs 3–5 months for a full clean-up across all three bureaus. We'll set realistic expectations on your first call.
However you found us, there's a place to start
Capova works directly with clients — and hands the brokers, dealers, and agents who refer them their own deals back, loan-ready. Pick your door.
For clientsNeed your credit fixed?
Start a free consultation and we'll map the fastest path to mortgage-, auto-, or business-ready credit. Intake takes a couple of minutes.
Get back the clients you had to deny
Brokers, dealers, and realtors: hand off a client you turned away for credit, watch the repair progress live, and get them back loan-ready — to close the deal you'd already written off.
Attorney-backed dispute methods · CROA-compliant · No guaranteed outcomes
Take the first step toward your approval
Free consultation, no obligation — attorney-backed disputes.