Core Audit
Metro 2® Credit Audit
We audit every trade line for Metro 2 reporting errors. Inaccuracies must be corrected or deleted by law.
Microflair Financial• FCRA & A2P Compliant
Fix Your Credit. Unlock Your Future.
Lawful credit restoration under the FCRA & CROA. We challenge inaccurate collections, late payments, and charge-offs — with real-time SMS updates every step.
- Expert dispute management
- Real-time SMS status alerts
- IdentityIQ® monitoring included
- Transparent pricing, no hidden fees
No Credit Card Needed
Free Credit Audit
Credit Score
Your Goal
Monitoring
Report
Your Details
The Microflair Advantage
A Legal Method For Better Credit
1 in 5 credit reports contains errors. We hold bureaus accountable to federal law.
A2P Verified
SMS Status Alerts
Real-time texts every time a bureau responds or an item is removed. Fully TCPA & A2P compliant.
Federal Law
FCRA & FDCPA Disputing
Custom, evidence-backed dispute letters invoking federal consumer protection law.
Score Lift
Credit Building Blueprint
Step-by-step guidance on utilization, tradelines, and score optimization.
1-on-1 Support
Dedicated Strategist
1-on-1 consultant who knows your homeownership or funding deadline.
Items We Challenge
What Can Be Disputed?
Any data that can't be 100% verified, is incomplete, or contains errors must be updated or removed.
Late Payments
Collections
Charge-Offs
Public Records
Hard Inquiries
Mixed Files
Repossession Errors
Wrong Status Codes
Free Audit Slots Filling Fast
Claim My Free AuditStop Paying Higher Rates For Bureau Errors
Every month you wait costs you in elevated APRs. Get your dispute roadmap within 24 hours.
Transparent Pricing
Ethical Plans, No Hidden Fees
CROA-compliant — we never charge upfront fees before work is performed. Every plan starts with a signed agreement.
Essential Repair
Fast StartIdeal for individuals with a few late payments, collections, or excessive inquiries.
$119/ month
First work fee: $99 (charged only after initial audit is completed)
IdentityIQ® Monitoring Included
IdentityIQ® Secure Plus (or Pro): $21.49/mo IdentityIQ® cost bundled in.
- Full Comprehensive Audit
- Up to 5 Item Disputes Per Cycle
- Bureau Direct Escalations
- IdentityIQ® Credit Monitoring Included ($21.49/mo value)
- A2P 10DLC Real-time SMS Status Alerts
- Client Dashboard Access
- Signed Service Agreement Required
Accelerated Path
Our most popular tier for clients preparing for a mortgage, auto loan, or business credit line.
$159/ month
First work fee: $149 (charged only after initial audit is completed)
IdentityIQ® Monitoring Included
IdentityIQ® Secure Pro: $21.49/mo IdentityIQ® cost bundled in.
- Everything in Essential, plus:
- IdentityIQ® Secure Pro Daily Monitoring ($21.49/mo value)
- Unlimited Negative Item Challenges
- Creditor Direct & Collector Intervention
- Debt Validation Demands (FDCPA)
- Credit Rebuilding Strategy & Tradeline Guidance
- Priority 1-on-1 Strategist Reviews
- Dedicated Escalation Desk
Executive Restoration
Full ConciergeFor complex credit profiles, business owners, or dual-applicant couples.
$219/ month
First work fee: $199 (charged only after initial audit is completed)
IdentityIQ® Monitoring Included
IdentityIQ® Secure Max: $31.49/mo IdentityIQ® cost bundled in.
- Everything in Accelerated, plus:
- IdentityIQ® Secure Max ($31.49/mo value) with $1M Insurance
- Monthly 3-Bureau Reports & Score Simulator
- Dual Bureau In-Depth Inquiry Scrubbing
- Public Record & Judgement Verification
- Monthly Score Simulation & Mortgage Prep
- Priority Strategist Support Line
- Co-Applicant Couple Discount Included
Credit Snapshot Audit
One-TimeA single one-time payment covering a full audit, up to 4 dispute rounds, and 4 months of active IdentityIQ® monitoring — no ongoing subscription.
$459 one-time
Single payment — full audit + up to 4 dispute rounds, no recurring charges
4 Months IdentityIQ® Monitoring Included
IdentityIQ® Secure Pro: 4 months × $21.49/mo = $85.96 IdentityIQ® cost bundled in.
- Full Metro 2® Audit Report
- Maximum of 4 Dispute Rounds Included
- Itemized Dispute Roadmap & Strategy
- Creditor & Bureau Contact Directory
- Score Optimization Action Plan
- 4 Months IdentityIQ® Secure Pro Monitoring Included ($85.96 value)
- 30-Day Strategist Email Support
- Signed Service Agreement Required
CROA Consumer Disclosure
You have the right to dispute inaccurate information directly with credit bureaus. No one can have accurate, verifiable info removed before it ages off (7 years, or 10 for bankruptcy). Microflair Financial is committed to ethical, compliant service.
Real Outcomes
Measurable Results
Achieved through lawful FCRA disputing. Individual outcomes vary.
12,400+
Items challenged
+87
Avg. score lift
94%
First removal in 45 days
4.9★
Client rating
“Three erroneous collections were deleted in two cycles. Closed on my home six months later.”
Marcus T.
Homebuyer
582 → 711
“SMS updates kept me informed. A repossession error got fixed and my APR dropped to under 6%.”
Danielle R.
Auto loan
614 → 738
“Late-payment errors removed on both our files. Refinanced into a 5.1% rate.”
James & Priya K.
Refinance
596 → 724
A2P 10DLC & TCPA Compliance
Ethical, Consensual Messaging
We strictly follow CTIA, FCC, and TCPA rules for A2P 10DLC business messaging. No cold texts, no purchased lists.
Opt out anytimeReply STOP to unsubscribeReply HELP for assistancecompliance@microflairfinancial.com
Explicit Consent
Every SMS requires an active checkbox opt-in. No unprompted solicitations.
Easy Opt-Out
Text STOP, CANCEL, or UNSUBSCRIBE to permanently remove your number.
Data Security
Your number is never sold or shared. Stored with 256-bit encryption.
SMS Terms: By opting in, you agree to receive texts about your credit evaluation and dispute results. Avg. 2–4 msgs/month. Msg & data rates may apply. Carriers are not liable for delayed messages.
Support: support@microflairfinancial.com.